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Lown V Halifax (Is this normal for Halifax?)

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I sent my LBA which the time expired on today. Saturday 25 November, there was a reply from Halifax stating:

1 How the unpaid items costs them money and they feel they should pass it onto the people responsible and not their other customers.


2 Their charging policy is clearly outlined and they are commited to complying with the banking code.


3 They are keen to help me avoid unnecesarry charges.


4 As a gesture of goodwill they would like to offer £672.00 as full and final settlement.


5 I have requested information about calculating costs for dealing with transactions and they are not obliged to do so under the Data Protection Act and it is commercially sensitive information and they cannot comply with my request.


6 I can refer to the Financial Ombudsman if i'm still unhappy. (Very generous of them).


Enclosed with the letter is an Acceptance Form for the offfer of £672.00 which I pressume I would need to sign and send back to get the money.



Obviously, I will not be accepting, but here are my queries;


1 Do I need to respond to this letter?

I have read that if it's really close to the deadline (letter recieved sat, deadline today) then just proceed. Just checking.


2 Is this acceptance form the normal way of a bank making an offfer?


3 If it is, do I just use the template letter to write back saying I accept £672 as part payment but will be persuing the rest?

Link to the template letter


4 If I do send the letter (query 3), what is it that says they have to make the £672 payment to me and how much do I claim for in the N1 form? Would it still be the full amount with interest or do I knock off the £672?


I hope I'm not being too stupid, I have read a number of posts in these forums but there are so many you could be here all week finding all the answers. I thought it might just be quicker and easier to ask.


Many thanks in advance for any assistance,



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1. yes you can ignore it if you want.


2. Yes, don't sign it, again ignore it.


3.If you want to reply amend the rejection letter, along the lines of:


Thank you for your letter dated xx/xx/xx

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx


I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.


My letter before action sent previously indicated that you had until xx/xx/xx to respond before Court action commences. You were reminded that there would be no extension to this timescale and accordingly I have filed a claim at the County Court


I trust this clarifies my position.


4. Carry on and file for the whole amount

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