ocharged v halifax ***SETTLED IN FULL***

[ocharged]

Hi,did you have to take yours to court?

[aardvark the lecturer]

The common theme seems to be that they will make an offer to cover the last 6 months of charges. If this is turned down then they will make no further offers etc unless you file your court case. I'm not aware of any cases that are solely based on charges having made it to a court hearing at all. They seem to be acknowleging the court papers (they have 14 days to do this), and then settling for the full amount within a couple of days of that.

 

My next step is mcoll online as well, I had their standard "we offerred you 6 months, you said no, go away and talk to the ommbudsmen" letter and am tempted to treat this as their final response therefore jumping straight in to mcoll early.

 

Good luck.

[Guest Niklowe]

No Mine didn't get to that stage. They payed up at LBA time

[ocharged]

Hi,recieved an offer from Halifax offering 652.00.Due to send LBA on 9th Oct.

CLAIMING 2`144.00.

MONDAY 28TH SEPT.GOT STATEMENTS BACK.

MONDAY 25TH SEPT.SENT LETTER FOR PAYMENT.

28/9/06.GOT LETTER FORM HALIFAX,(SOORY YOUR NOT HSPPY)

SATURDAY 7TH OCT.LETTER OFFERING 652.00.

[Guest ian cognito]

Not sure from your post whether you sorted your first queries out.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Hope this helps

[ocharged]

Hi, thankyou,I`m not sure if I sorted it ,I suppose I was worried about money claim bit,not sure how to fill in the paper work but I`m not at that stage yet.I will just keep reading and try to work it out.

[Springer]

Hi Ocharged!!

 

We are at exactly the same stage! I am also sending my LBA on the 9th!! (Nice we are keeping the halifax busy!!)

 

In a way I hope they don't pay up, then I get my 8% interest, which is about £150!! hee hee!! (I'm claiming £1800 since June 04)

 

I will keep an eye on your thread and see how you are doing. We are nearly there now! I have had a look at the MCOL site and it looks quite straight forward, and I have read up lots on what to include on the claim form by reading other people's posts. Bet i'll still have lots of questions when it comes to actually doing it!!

 

The very best of luck (not that you will need it!) and let us know how you get on!!!

[ocharged]

Hi,I recieved an offer on the 7th oct 2 days before LBA is due, so I`ve hit a stumbling block,not sure if I should send letter accepting as partpayment or just send LBA on the 9th.

[Guest ian cognito]

Send the rejection of settlement letter from the templates library amended to suit, then your lba to timetable.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

[ocharged]

ok,thanks.

[Springer]

I hadn't received an offer, jsut a standard letter saying they were looking into it, so have amended my LBA to include the following paragraph:

Thank you for your letter dated 5 October 2006 and its enclosed leaflet.

In my previous letter, I advised I would give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. This has not happened.

Don't know if you could send the ROS letter as janquinny advised and maybe adjsut your LBA slightly? As they haven't met with your original request?

[ocharged]

Ok,now I`m confused,PLEASE SOMEBODY ADVISE ME!!!!

[rogerebaker]

I would send one letter which is a combination of the declining offer and LBA. Tell them you accept their offer but in part payment only and give them 14 days to pay in full or its court time.

 

They will reply withdrawing offer and your back on track.

 

They are working from a flow chart .

 

sod off letter ----- Part payment ------ sod off ------ defend claim ------ pay in full if it appears its going to court. or something like that.

 

nothing you do is going to change that so make sure you do the same

 

Initial approach ----- accept offer as part payment ------ LBA-------MCOL-----AQ------ Settled:)

 

 

keep to the timetable anything else will delay you getting repaid.

[Springer]

Whoops! Sorry, didn't mean to confuse you?

 

I think you can just send your LBA as planned tomorrow, then send your rejection of charges (which is in the templates section) on Tuesday? This may be best as in the ROC letter, you refer to the LBA, so it would make sense if this is sent first?

 

Does this help? x

[ocharged]

Right so what letter do I send LBA including accepting part payment?where do I find that letter then?

[Springer]

I don't think there is one in the template, it would mean you drafting one up, by refering to the LBA and ROC letters in the library.

 

That's why I thought it might be easier to just send your LBA tomorrow, followed by ROC Tuesday, that way you can just use the standard letters, if you are worried about drafting a merged one?

[ocharged]

Ok,thats sounds like a better idea,sorry its just when everyone jumps in with differant advice my head starts spinning.

[Guest ian cognito]

Think the basic advice is (or should be) follow the step by step instructions and stick to your timetable. Use the standard templates wherever possible, if in doubt - ask! where opinions differ either/or has probably been tested in the past and proved to work, sit back, have a think then take the one most appropriate to you. Too many hands make light broth? or is it many hands make broth work? oh never mind!!!!!

[ocharged]

Right ok,thanks.

[ocharged]

If anyone can help can I send a letter accepting as part payment and then send LBA for the rest?

[nona]

Amend the LBA to say you will accept the part payment but intend to pursue the rest through the courts.

[ocharged]

Ok,so what kind of thing do I put?sorry for being thick.

[jonni2bad]

Read the letter from the templates library.

[jonni2bad]

7 threads merged - please do not start separate threads for each question on the claim.

[ocharged]

ok Sorry.