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Hi there, I started a claim against HBOS about this time last year, but due to work commitments I was unable to follow up my claim with a legal action. Claimed for around £1500, was offered £230 as a full and final settlement, but did not respond. Can somebody tell me if I can still claim? I've been through the letters they sent me and cannot find anything to stop me re-starting the claim. If I do would I need to go all the way back to the beginning? Or could I just send a letter saying I am now ready to proceed with action, giving them last chance to settle? Have noticed a few people negotiating a quick settlement by foregoing interest. Any advice would be greatly appreciated.

Hi L, I sent my first letter to the head office in Edinburgh on 17th May, got first reply this morning. The Telephone office informed me I should have sent it to; HALIFAX Plc Customer Relations Trinity Road Halifax HX1 2RG If you use this I hope it is a bit faster than head office. Let me know how you get on.

UPDATE: Got reply from Bank today. They did recieve my letters after all and are offering £230 in full and final settlement. I will refuse this and continue with my LBA in pursuit of the £1200+ they owe me. I must admit the even though everyone seems to get a full refund eventually it is still daunting to be serving papers against a huge Bank. However, I am determined to see it through and will file my claim as soon as the deadline is up.

daniel_r_clarkeTry sending your letter via recorded delivery, its only a pound and it acts as proof they are delivered. I sent my first copy of my LBA two weeks on Monday and there has been no word as of yet. When i call them on Monday, they will no doubt say they have never delivered it so recorded delivery it is. To say that the bank should forward your mail is a liitle bit cheeky don't you think? A quick look around this site soon tells you exactly where letters should be sent and who to. I did send my letters recorded delivery. The reason I did not send them to the 'right' address is that I did not have access to that info while compiling my letters. But, I have learned that it has been standard practise to submit these kinds of letters to the Head Office on the Mound for many years. I believe that this line about the Head Office been unable to deal with these letters is nonsense, and that they are just trying to buy time. I am, tomorrow morning, sending the indentical letters to the Halifax address given to me by BOS, I will give them 7 days notice, and have been assured that that is ample time for the Bank to evaluate my claim. Why should I give them another 14 days?

Sent my first letters to Bank of Scotland Headquarters on 17th May, using template from Govan Law site and giving 7 days notice, as Goan advised. Still had no response from Bank, so decided to phone the 0845 number this afternoon( Thurday 1 June). I first spoke to a customer advisor who told me they had no record of the letters, but that they should have been passed from the HQ to the customers relations. She then said she would find out what had happened from HQ, after been put on hold for about two minutes, a very condescending gentleman came on the phone an began quizzing me about the letters. When I told him they were in pursuit of a refund of charges he told me that I had sent the letters to the wrong address and they could not be dealt with there, he then gave me an address for Halifax. My sister who is a legal secretary has told that they always send such letters to the BOS Headquarters on the Mound, Edinburgh, and that they are always forwarded to the correct department. Should I just proceed with the next step or should I start again using this Halifax address? This will set me back two weeks Is this a new delaying tactic from BOS? Has anyone else had their claim ignored in this way? Thanks Alex.

Hi, I've been reading site for about a month and only last week got round to putting my own claim in against the Bank of Scotland, totalling £1200+. Submitted first letter last Wednesday, giving 7 days notice, via recorded delivery to the Head Office, still not had any sort of acknowledgement, by phone or letter. Is this normal? Have Many others had their letters just ignored?