Important info for reclaimers

[Armsoft]

Hi,

 

Not sure if I am in the right forum, but could someone advise me?

 

Have just had a telephone call from the Halifax offering me £560.00 against the £2024.00 I am claiming. This was in reply to the first letter I have sent, but they state the OFT ruling only applies to credit cards and not bank accounts. Do I carry on regardless?

 

Many thanks

Faye

 

Carry onto LBA stage for full amount, give them 14 days to respond and then file online at MCOL.

You will get all your money back (including your court fee)

 

Good Luck

[Armsoft]

Hi all,

 

I've sent my letter and have been contacted by customer services offering me a Gesture of goodwill of a third of what i'm owed, i told them i need to to think, should i accept and proceed or turn it down and proceed??

 

Thanks

 

Mark

 

Use the Template Letter to accept the GOGW payment which advises that you are going to persue them for the rest through the Court if needed.

They will proberbly then withdraw the offer.

Go through the process of LBA and then file in court, then you will get all your money.

.

.

[Armsoft]

I have a claim in against Halifax for 2 accounts, both card cash, one in my name and one in mine and my ex husbands name, they are both at N1 stage, they have until 19th Jan to respond. I haven't heard anything from them re the summonses yet but at the Prelim and LBA stages I had the standard responses - not paying etc but they didn't threaten to close the accounts. Just have to wait and see what happens re the N1s. Have you had threaten of closure?

 

I had a successful claim go through the MCOL stage, with Halifax agreeing to pay out in full before we got to AQ stage.

After the settlement I started a 2nd claim, and got to LBA stage, when they agreed to settle:o

In most letters I received there was a suggestion from Halifax that as they were obviously not able to provide me with the service I require I might wish to consider taking my account elsewhere, but no direct threat of closing my account (action which I think they would find difficult to justify under the current circumstances).

They`ve paid out now on my 2nd claim, and my account is still open:D

[Armsoft]

I am claiming £900 from Halifax credit cards. I sent them a letter before action on 29/12/06. Their first refusal letter arrived on the 27/12/06, dated 19/12/2006.

 

How much longer should I wait for their response?

 

JG65,

If you have followed the process so far, and have sent the LBA after the `polite` letter asking for your money back (and allowed 14 days from the polite letter before sending the LBA), you need to allow 14 days (plus 1 day for delivery).

If they have not responded (or responded with a further refusal) after 15 days from sending the LBA (13th Jan), then file with MCOL.

 

Hope this is of help.