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heatengine

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About heatengine

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  1. Ok, just had a letter this morning stating: Thank you for your recent letter, as a gesture of goodwill my colleague offered you £1200, which you do not wish to accept. I confirm that we will not refund all the charges you have incurred on your account over the last six years. i must also stress that future charges will stand and we reserve the right to close your account if you do not manage it correctly!!! Blah Blah. I am assuming that this letter will have been superceded by the NOI, and they are just trying to drag things out? Has anyone had this?? Also had a Notice that acknowledgement of service has been filed and that Halifax have ticked the box that they intend to defend all of this claim. Again is this usual? Has anyone else had this?? Thanks all!
  2. Reference the above, do I sit tight and wait for the Halifax response????
  3. I've recieved the Notice of issue from the county court. Just got some questions if anybody can help out? I'm not sure wether I just sit tight now and wait for the bank to respond, or if I should be doing or sending something? The NOI was deemed served on the 17th of this month.. Also it states Northampton county court but we are in the North East! Would I have to travel down there if it goes to that stage?? Thanks all
  4. Just paid my money (£120) to small claims and sorted all the info online for court, so Im now officially bricking it! worked out all the extra interest with excel as you said doo, very easy to use. Works out at another £570 interest, so got to be worth doing the whole hog. Halifax just seem to be sitting tight hoping I won't bother. Had no contact from them since the partial offer, so if they can't be bothered.. I can! :D
  5. Thanks for advice doo, much appreciated.
  6. Just been doing all research before claiming and had a look at the Library section for claiming online. Need some help for what to do next here as it says STOP! If you have not already sent a full schedule of charges and overdraft interest to your bank -- then -- stop! I'm in a dilemma here as I only sent the Halifax a list of charges and did not total up the overdraft interest.... Does this matter or do I have to send them another letter with overdraft interest charges added on????? Any advice would help me out loads, as I'm aware that I need to start court claim soonest. Thanks all
  7. Well, I've missed a couple of notes but to update.. Halifax sent me a letter saying they were offering a partial amount on the understanding it was a full and final amount blah blah blah. So sent them a rejection letter and am now into the period of going to court. They are over the time limit now by a day, so I'm just swotting up on what to do next on the step by step instructions, seems simple enough so that suits me. And I get to add the 8% interest now :grin: ! I'll keep you posted - Cheers
  8. Well, I've missed a couple of notes but to update.. Halifax sent me a letter saying they were offering a partial amount on the understanding it was a full and final amount blah blah blah. So sent them a rejection letter and am now into the period of going to court. They are over the time limit now by a day, so I'm just swotting up on what to do next on the step by step instructions, seems simple enough so that suits me. And I get to add the 8% interest now ! I'll keep you posted - Cheers
  9. Thanks, sorted letter to reject offer last night and got in post recorded delivery this morning, so reckon that is one week left before small claims procedure.. Think I'll try and get hold of the person who signed the letter though, just to see if a phone call may change anything? Think it was Mr Yule if anybody has had dealings with him at Halifax???
  10. Thanks, just put together the rejection letter and worked out that my LBA gives them until 27th Feb but the rejection letter gives them 7 days so think I'll go off that date as they will probably only recieve this letter by 27th. Might try and ring customer relations aswell just before deadline as Doo reccommended. All in all though I feel like there has been some good progress with Halifax . Seems like Abbey are nearly the worst reading some other threads, won't be banking with them then! Should hear something next week so I'll let you know. Thanks all
  11. Had a reply from Halifax saying they had been unable to contact me on the phone and offering back £1288. (Claim is for £2606) This is a gesture of goodwill ans has an acceptance form for me to sign!! Anybody know where and what letter format I need to reply with? And do I send them back the acceptance form if I am accepting this amount even though I will be claiming the full amount?? Any advice more than welcome - Cheers all
  12. Thanks for the feedback, it's nice to know you're not alone with this!! I'm still within my 14 day set period from the 1st letter at the minute, (not their stated 4 weeks) but I'll be firing off the LBA on Monday coming up if there is no reply before this. Did anybody include their home tel number on the letters or just address?? Just thinking if they did want to offer anything! I suppose they can do it all on paper and that stops confusion? Anyway I'll keep you posted, thanks once again
  13. Got a reply letter from the Halifax yesterday morning. Seems to be a standard format letter saying basically they will take 4 weeks to reply.. not the 14 days I'd asked for on my first letter, also sent a bog standard customer complaint leaflet back. I'm pleased they've responded but I'm not giving them 4 weeks. I'll give them two weeks as stated then send the next letter. Oh it's good to play them at their game!! Any advice on anybody who's at this stage or been through this with Halifax welcome...
  14. Many thanks for all the feedback, decided to follow all the advice from this site and just claim the charges with no interest yet unless it gets to court stage.. Just put it all onto a spreadsheet and done initial letter, I'll get that in post tommorrow:)
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