debbarker
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Posts posted by debbarker
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Thanks SSL. Have asked a mod to have a look.
I have registered with MCOL website in readiness for tomorrow.
Bring it on.......
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Hi DS,
Yes I sent the letter template from this website, accepting the £6k as partial. And he had received the letter because he was quoting from it, and in fact he said that the letter 'doesn't really say anything' (!!). I also deducted the £6k from the total - meaning that I am claiming for £5,300.
It is all clear as far as I'm concerned.
He said they can take the money back because if we go to court we are then saying that we're not accepting the £6k - maybe it's my weird grasp of the English language or something but we are not saying anything different from what I put in the letter.
On the one hand he was saying that the £6k was a goodwill gesture and not an admission of liability, and then he said that £6k was what I asked for in my first letter (so since when have they given us what we asked for?!!). The first letter I wrote was estimating £6k but i said I wanted the full list of charges from them to calculate exactly - I always made it clear it was an estimate and wanted them to clarify the amount (this was a letter I got off the MSE website before I found this site). They paid the £6k without even sending the list of charges!!!!!!!
DS, do you reckon we should still stick with Plan A and file for court after 17th May for the £5,300?
Thanks, Debbie
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Sorry guys ....have to keep this up top as I really do need advice on this.
Please....
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Nudge - anyone there?
Please?
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He phoned me again, saying that another £2,500 is the most they will offer, and that if we intend to go to court we are clearly not accepting the original £6k and they will remove it from the account. Well, can they do that? Ther eis now only £4,500 in there cos we were already £800 overdrawn when the amount went in and we have since spent some of it. We will be £1300 overdrawn if they remove it - but he said 'that will be an unfortunate consequence'.
Are they trying bully boy tactics, or are they right?
Do you know of them taking back the initial money paid if someone goes to court?
Am feeling sick right now. Don't want to go o/d again and incur charges again.
ANY ONE THERE?
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Well no more Mr Nice Guy.......
I phoned the guy in Customer Relations this a.m and asked what Halifax intend to do about the LBA we sent. He stalled for time and made me tell him what I had written about. He said that their charges AREN'T UNLAWFUL !! And that there no statutory body has said that.
He took my number and said he would get back to me......
He just phoned me again and offered £2,500 - I have asked for £5,300. I refused his offer and suggested he go and consider increasing it to the full amount. He says they can't do that cos they only offer 75% of what any customer asks of them (haven't heard of that before!!). I told him that actually I know of many cases where people have got 100% off them before filing for court.
I then confirmed that our next step will be to file for court on Thurs. He said that they will take back the £6,000 they already gave us ('as a goodwill gesture'). I told him that he won't do that because we already accepted that as a 'part payment' from them pending the return of the full amount.
- hope you're still with me......
he just phoned again and said they will take the £6k out of the account if we go to court. Will do that today - but if they do it will put us £1,300 in the red!!!!! Can they do this?
PLEASE HELP.......
I told him to go and ask 'them' for another £1500 taking the full offer to £10,000 and we'll forgo the other£1,300.....rigthly or wrongly....but I'm done in over this and my dad is ill in hospital and I really cant deal with this much longer.
HELP.........
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It will be 14 days up on this Thurs (17th) and we've heard nothing from the Halifax since they received the LBA.
Is it worth a phone call to the man I've spoken to previously in Customer Relations to see what Halifax intend to do, or shall we just wait for the 17th and file the claim in court?
btw, any help on this would be appreciated. I know about MCOL and the other way of doing it (sorry can't remember name!!) but am not sure what to do. Our claim will be for £5,300 plus around £3,000 in interest.
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Have seen on Royal Mail website that the LBA has been delivered today.....
Watch this space....
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Sent LBA yesterday by recorded delivery.
And you won't believe this but........you know they paid £6,000 into our account? Well, yesterday they took £28 in charges(!!!!???) out of the money they paid in......are they losing the plot??!!
Will just add that on to list of charges if we end up filing for Court!
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Yes, I have already written to them saying that I did not accept it as 'full and final payment' but as a partial amount, and that I would be claiming for the rest in due course.......will let you know.
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Well - today the list of charges finally arrived - it has crossed in the post with the non-compliance letter, because it took them almost 50 days to send them to me.
Anyway, have spent afternoon putting charges on spreadsheet and I was pretty much right in thinking the amount was considerably more than £6,000. It comes to £11,352!!
So am I right in thinking I now send the LBA and put the amount in the letter, minus the £6,000 they already paid?
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OK - I have sent (faxed one and also posted a hard copy) the rejection letter (regarding the money they paid in to our account), and if the list of charges etc has not arrived by the time I get home from work today I will send the non-compliance letter also this evening.
Thanks for your help
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Anyway, for time being have phoned Halifax and asked again for the list of charges to be sent to me. 'Nice' man on phone said he would see they were sent out today.......won't hold me breath then......lol!
I didn't say anything to him about their offer and he didn't mention it either.
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Yes, have statements back to December 2005. I put them on spreadsheet and charges total just over £3,000 back to then - thats only 16 months of charges!!!!!!
I sent SAR and £10 on 12th March.
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But they all talk about accepting the offer as part payment and not about wanting it all removed from the account. The only one that says that is the one mentioning court action......and I haven't even got my list of charges yet!!!!
Does this seem bizarre to you guys?? Cos I'm struggling to get my head around it.
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also......(sorry to be a pain!!) which template do I use as none of them seem to fit........
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ok, but can I send the rejection letter without including how much I am claiming for.......because I still don't know!
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Well that's sort of what I'm thinking. If they paid out £6k just like that, they must know exactly how much they owe and think they are getting off lightly, if we will accept that amount.
Am wanting to go for the rest - definitely - it's just knowing the best way to go about it, and I don't know much really!
Thanks for the advice x
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Thanks Ds, but I can't use that template yet because I don't know exactly what the total charges are that I'm claiming.
I guess I just have to hope the statements etc come very soon. The guy I spoke to today seemed to think we should have them by now.......and so the wait goes on......and it's also after the 40 day deadline now too.
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The only letter we sent originally was off the MSE website (before I came here) - the one where you have so many yrs statements and estimate the 6 yrs amount to claim from the figures you do already have. Great - only I didn't estimate right, did I? Being as they stumped up exactly what I asked for in the letter - am amazed about it - but does that mean I can't claim the rest?
Help........
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By the way - we haven't actually accepted their offer. They just paid it in!!!!
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Not sure what to do now...........
You know I said that we had been offered £6,000 by Halifax? Well I phoned and explained that w estill waiting for statements etc as I only estimated £6,000 but think it's actually a lot more in charges. We are STILL waiting for statements (I phoned them again today to hurry up) - but today they put £6,000 in our current account!!!!!!!!!
NOW - does this mean we can still claim for the rest - I reckon there's another £4-5,000.
I'm kind of thinking we carry on as we planned to - but their letter said it was 'full and final offer' and they wouldn't give us any more money.
Am confused......PLEASE HELP!!
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Thanks HOD!
I need to calculate all the charges first and then decide if they come to more than £6k, which I suspect they will do. Then I'll know what to do next.
Will keep posting on here as I'm sure I'll need more advice soon!
Thanks again.
Debbie
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To anyone taking the time to read this -
Further to my last post, am I going along the right lines. Is it what you would do?
Thanks.
Someone to hold my hand (doing battle with Halifax)***WON***
in Halifax and IF successes
Posted
Just another thing -
I will check everything through tonight and amend the spreadsheets to show just the £5,300 we are now claiming so I can calculate the interest, rather than the full £11k (as we already got £6k back).
I'm sure I'm right in thinking that I therefore discount the first £6k of charges and interest, ie from March 2001 onwards? Then I'll put on the Particulars of Claim the start date as from when the £5,300 of charges starts (e.g March 2004). Don't want to make a silly mistake at this stage.
Also, is it necessary to put the date I opened the account as I've been with the Halifax for about 20 yrs!! But not sure of exact date. First as single customer and then joint with hubby when we married.
Stiil - bring it on.......