PPI cheque bounced! What now??

[uaka]

Basically I got a PPI offer for my loan and CC from Halifax they sent 2 cheques one for ~£150 one for ~£3700 but the smaller cheque got returned (bounced) saying there was no account.

 

I have made various phone calls and they said it was cashed on a particular date. So then I sent a letter with photocopies of all documentation from Natwest (my bank) proving it bounced along with a screen print of my online banking seeing the amount go in and 3 days later leave!

 

I can't seem to get an answer to this please can someone offer advice this is more a matter of principal than money. I am thinking about sending a CCJ to them.

[citizenB]

You received a refund cheque from Halifax - which has been bounced ?? - Priceless

 

Sorry, it isnt funny from your perspective - I would say you have two choices

 

A complaint to the Financial Ombudsman or

Issue a claim against them.

 

When you sent the proof that it HAD bounced - did you mark your letter as an Official Complaint?

 

If not, then I would resend, heading as above, but send it to their Registered/Head office.

 

I will also flag your thread for others to see and comment.

[dx100uk]

there was no account to drawer from i take it?

 

seems very strange!

 

were they both drawn on from the a/c?

 

dx

[uaka]

I have to admit it is a bit ironic

 

Sent letter to PPI department and wasn't official so I will do that first and see what happens. Thanks

 

They had different account numbers on the cheques the smaller one arrived a few weeks earlier too.

[rebel11]

Hi uaka

 

Write a Letter of Complaint, mark it as such. Explain whats happen, (you could be sarcastic and tell them that they can use your account as they are struggling to manage their own) how they have let you down and what you want them to do. Don't forget to charge them for a 'bounced cheque'.

 

Send it to:-

 

David Nicholson, Managing Director

[email protected]

 

Some tips:- http://www.dailymail.co.uk/femail/article-1242161/How--write-letter-complaint.html

[AndyOrch]

When goods or services are paid for by cheque, a separate contract is entered into between the seller and buyer to the contract that was entered into for the supply of goods or services. Thus, when a cheque is returned unpaid, the seller may sue either under the contract for supply or, independently of the contract of supply, the contract created upon issuing the cheque to the seller. The seller may commence proceedings based on the Cheque Rule, as the cheque has been returned unpaid.

 

 

Regards

 

Andy

[knoxvillain]

Charge them £25 for a returned payment and a £30 admin fee

[uaka]

Right I have waited over 4 weeks and no reply to either letter! (It was an AA card so needed to send to BOS who I can't find out who the MD is!)

 

What shall I do now? CCJ? How do I go about taking them to court?

 

Thanks

[citizenB]

Did you send your letter recorded / special delivery ?

 

Has it been signed for.

 

I will try and find someone who can advise on next step.

[citizenB]

Just a suggestion

 

 

 

tell them to ring the bank' date=' tell them if they don't send another cheque A.S.A.P. a complaint will be lodged with the FOS that will cost them £500, if they look into the matter.[/quote']

[uaka]

Yes I sent it recorded, unfortunately I cant find the receipt to track it.

 

Think I just need to play hard ball now