halifax credit card..ohh the joys

[middenmess]

Good luck with the letter.

 

I would imagine that they will probably offer around the £300 mark that you were originally asking for as that will still be a result for them as they will deduct it from what you owe.

 

A complaint to the Ombudsman will cost them a mandatory £450 so you could include your intention to complain there if you so wished as an alternative to going to court.

 

£300 settled or £450 for an investigation?--no brainer for them really:D

[Wato]

On my lba for the amount im asking for should i put down the total for the charges or the total amount including CI + 8%,also should i mention that there offer of 80 was unaceptable etc etc

 

cheers Wato

[letsdothis]

On my lba for the amount im asking for should i put down the total for the charges or the total amount including CI + 8%,

 

If you are going for that then yes, but show all the charges and interest etc on a spreadsheet and enclose it with the letter so that they can see how you have arrived at that figure.

 

also should i mention that there offer of 80 was unaceptable etc etc

 

cheers Wato

 

If you are using the LBA above, then you have already told them this.

 

As I have not received a satisfactory response,

[middenmess]

Send a copy of the spreadsheet.They'll do their own calculations as well anyway.

[should i mention that there offer of 80 was unaceptable etc etc/QUOTE]

Can if you so wish but not that material to your claim.

[Wato]

Sent off both lba and a PPI letter today,will keep you all posted on how I get along

 

cheers Wato

[financialfreedom??]

Hiya,

 

Could I quickly jump in and ask how you got them to freeze your interest in the first place? I called them to close the account (which they did), but they said I would still be charged interest until the debt is cleared.

 

I'm can only afford to pay £50 a month at the moment, and the interest is roughly £40 a month, so I'm basically stuck. The debt is £2700 and I feel like I'll never be able to pay it off.

 

Could you please advise me on what to do? I have been charged late fees and overlimit fees in the past. Do you think I would be able to get those charges back including the interest PLUS have them freeze the interest aswell?

 

Thanks in advance.

[Wato]

I was in financial difficulties and after a while I think halifax passed me to there customer priority team,I agreed to go a on payment plan and they froze the interest for the duration of me been on the plan,I didnt ask them to but they did it off there own back,sorry I cant give you any more info but maybe you could give the customer priority team a ring and see if they are handling your account

 

cheers Wato

[Wato]

Well its been more than 14days since I sent them off, I recieved a response from them about the ppi claim and they are looking into it,but I have heard nothing back about my lba letter I know they have got it as it has been signed for,will I recieve a response or should I jsut move on to the next stage?

 

cheers Wato

[Wato]

Well I'v had 2 bits on good news today,I rang up halifax to see if I would be getting a response to my LBA letter and the the bloke on the phone looked into my account and said leave it with him and he'd ring me back in 1 hour,sure enough he rang back and offered me a refund of £300 of which I accepted,I know I could of got abit more If I had pushed it but all in im quite pleased with this to be honest.

 

Also recieved a response about my PPI claim in the post, It says that "they have completed their investigation and agree that the policy may not have been suitable for me, and have aranged their redress team to work out how much Im owed that would put me back into a position had I not taken the insurance"

 

It goes on to say I should recieve an offer within 10 days

 

All in a very good day for me

 

Just want to say a big thanks to everyone whos helped me with this

 

cheers Wato

[middenmess]

Excellant news,Wato---what a great start to the week;)