Hi

I recieved a letter today 9 days after prelim was sent saying they are not going to give me anything back should i bother to send the lba or not

Hi Seashell!

How much was your claim for? I found with HFC that if I just rang them after the fob off letter and just said "look we all know where this is going - I send you a LBA, you say no - I file a claim - you pay, why don'y you just settle now" then they coughed raight away. Had a cheque for my GM Card and one for Beneficial on the way.

Suspect they have a cut off limit for this.

Regards

M

thank you

I will definately try this and let you know what happens

If not just follow "the step by step" they will pay:)

Hi

I have just phone hfc to say I am not happy with the £350.00 they have offered me and I am going to file a claim with the court and he said he would refund all the charges back

Good on you just out of curiosity how much were you claiming i have sent off my initial request and not heard anything from them yet my charges amount to £250 which would greatly help reduce my current balance with them

How can that be? I asked for the same amount back and they told me the charges were fair. I then told them that i wasn't happy and that i will take them to court:-( what shall i do now? Suppose im gonna have to take them to court.

I recieved a letter from hfc saying they were not going to give me anything back.

Then I sent them the letter before action I got an offer for £350.00

I called them on friday to say I was not accepting the offer and was going to take them to Court then on Saturday I recieved a letter offering me the full amount ( £696.00 ) I am really pleased now I don't have to go to Court

Hi Seashell, who were you dealing with at HFC. I just sent my LBA off and am thinking of trying the same tract when they reply.

Well done and thanks for the info.

Hi All

The person I was dealing with was a man called James Ball he was very nice the telephone number I have for him is 0121 214 5841 the total I was claiming was £696.00 and they are giving me the full amount back

Thanks for that Seashell. Its the same guy that has sent me the first refusal so theres hope its going to be easier than i thought. If not im prepared to go all the way.

He will give it to you after they offered me £350.00 I phoned them and told them I was taking them to court and he told me not to be hasty the next day I recieved the full amount offered

Good Luck with your claim

Hi All,

just got a letter today from James Ball - seems to be doing the complaints at the mo! Going to send LBA and then give him a call to follow it up

Thanks for the tips

This has to be the shortest victory thread on this forum....

CONGRATULATIONS !!!!

Hi Seashell. You were right about Mr Ball. He is a very nice man. Offered me half so i phoned him. All he asked was if i was not happy with the offer. When i said no he said he would have a word wit his manager and ask if he can give me the full claim then said he would send the revised offer out today (friday)

I just phoned James Ball and he came back with the full amount, after the LBA he originally offered £125 - very easy win on this one....just followed the FAQS on the site!

;-)

I accepted the offer and sent it back but.............

How long did it take since sending back the acceptance slip for the money to appear.

I sent mine off 1st class ( not recorded this time ) over a week ago today.

I am going to call James Bell up if I dont hear soon.

Anybody able to let me know how long it took or is there another letter coming to tell me?

Hi,

I asked for a cheque rather than a credit to the account and it came within a week, as promised. He seems amenable so it will be worth phoning him to find out where the money is

Thanks for that

I phoned and spoke to them. They confirmed that the cheque was posted thursday and so it should be on the mat when I get home today. Imust say that James Ball and co do seem rather friendly. So credit to them ( no pun intended )

Hi ,

could you tell me what an LBA is please?

regards

Letter Before Action

Great stuff!

Were these loans or credit cards?

Are LBAs on the templates. ( ok dumb question- I should look. Still having navigatio problrms on day 2 but will persevere.) Great site even if my back aches & I'm half blind after browsing for a few hours!

sand1