Halifax offered me a partial refund today, now what?!

[laurawilliams]

hi i just need to clear something up.

 

ive read through the litigation section and unsure what actually happens to most people after they issue a claim?

 

ive read in some forums that no-one (or nearly no one-conflicting info) has ever actually had to go to court to claim back their money.

 

does this mean that banks will usually offer a full refund before going to court?

 

i know banks are claiming that they are settling because its cheaper than going to court, so that they dont lose face.. is this usually with the smaller amounts?

 

im currently asking for £566 from Halifax and am sending my LBA tomorrow.

 

any advice on what will probably happen would be appreciated!

 

Laura

[Seminole]

More likely than not you will receive a settlement offer before the court hearing but it is possible that your case could end up in court.

[dave]

Stephen Hone started legal action against Abbey for £860 - they paid him nearly £7000 not to go to court.

 

This was after they sent a barrister to the court to get a deafult ruling overturned through their not turning up.

 

You can make you own mind up.

 

There has been one case (to our knowledge) that has actually ended up in court.

[laurawilliams]

hi guys, im claiming £566 of halifax, and i got a letter today saying they will give me £160 as full and final settlement.

 

i want all my money, i need it and im only in debt becasue they kept charging me!

 

just wanted to run my idea for a letter past you all, see what you think.

 

Dear Ms Pollitt,

 

Thank you for your reply to my complaint, reference: xxxxxxxx.

 

I would be quite happy to receive the partial amount owed to me of £160, which can be paid into the following account: xxxxxxxx.

 

however, i am not willing to accept this as a full and final settlement, and i intend to persue the matter further to ensure that i receive all monies legally owed to me.

 

If I do not recieve a full refund of £566.00 within the next 14 days, then I shall issue a claim against Halifax, which will also include 8% interest as allowed by law, as well as any court costs.

 

 

Yours sincerely,

 

 

Laura Williams

[Guest blindman]

Looks good to me, only thing I would add is to title the letter Letter Before Action.

 

Good luck

[baconbuttyman]

hi guys, im claiming £566 of halifax, and i got a letter today saying they will give me £160 as full and final settlement.

 

i want all my money, i need it and im only in debt becasue they kept charging me!

 

just wanted to run my idea for a letter past you all, see what you think.

 

Dear Ms Pollitt,

 

Thank you for your reply to my complaint, reference: xxxxxxxx.

 

I would be quite happy to receive the partial amount owed to me of £160, which can be paid into the following account: xxxxxxxx.

 

however, i am not willing to accept this as a full and final settlement, and i intend to persue the matter further to ensure that i receive all monies legally owed to me.

 

If I do not recieve a full refund of £566.00 within the next 14 days, then I shall issue a claim against Halifax, which will also include 8% interest as allowed by law, as well as any court costs.

 

 

Yours sincerely,

 

 

Laura Williams

 

 

if you say you "accept the offer..BUT will still go after the rest of money owed"

 

they will recind the offer and say thats your choice, go for the letter before action option and reject the offer made, go for it

good luck

[Spiceskull]

Yes - the spirit is right, but you do need to 'tighten it up.' Your acceptance is conditional on the fact that you will be pursuing the rest in court, if not settled in full within 14 days.

 

Would also suggest that you run it through a spell checker before printing it off...

 

Good luck.

[laurawilliams]

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