Playbhoy v Halifax

[playbhoy1967]

WOOOHOOO!!!!

 

I have just got off the phone to the customer relations and they said that an offer has been sent out to me this morning.

 

I don't expect it will be the full amount I will get offered but will wait and see.

 

I am so excited that I have finally got to this stage!!!

 

The refund is close I feel.

 

CMON.

[playbhoy1967]

I was just thinking.

 

My bro said his initial offer was only £300 of the £1200 he requested.

 

What is the next stage if I am unhappy with the initial offer?

 

The amount is £1380 and I would probably accept around £1200 just to get it done and dusted.

 

Would I phone them when I receive the offer and say it isn't good enough and try and get the figure up?

 

Thanks again.

[dolphin939]

Hi send them the rejection letter stating that you will accept the offer as part payment x

[playbhoy1967]

Ah right nice one.

 

Thanks.

[playbhoy1967]

Still haven't got the letter through yet so rang them up today and asked the girl to read what was on the letter etc.

 

The charges claimed were £1348 and the offer was £627 so I was transferred to Steve Hodgson who then said that he could up my offer to £1200 which I accepted.

 

He is now going to send a new offer letter out to me for £1200.

 

All very good however, I asked him how it would be paid and he said it would be paid into my account. I don't use that account anymore though and it has been sent to the collection agency as the account is overdrawn by £1200 so basically the money would go straight in to clear the overdraft.

 

On further digging I asked if my overdraft was still active and I was told that it wasn't so basically I wouldn't see a penny of the £1200 which is no use to me as I am relying on it to pay some bills and help me move house.

 

I would prefer a cheque so then I could start the process of settling my account with the Halifax gradually rather than all at the same time.

 

Is this possible?

[moneyhelp]

I don't think so, they will always use it to pay off any debts you have with them. It's what happened to mine, and will happen to my credit cards.

 

Just look at it as you being less in debt.

 

Congratulations too!

[playbhoy1967]

It's just that I was sure I had read on here that someone had got their money back in a cheque.

 

I sort of need it in a cheque tbh.

 

Aarrgh so frustrating.

[moneyhelp]

I think they give a cheque if the account is closed.

[playbhoy1967]

Aye but they have withdrawn my £1k overdraft.

 

I wouldn't mind if that was still in place but they have taken it away when I started this process which is out of order imo.

[playbhoy1967]

You know I am going to put the foot down with this one and say that the money getting put into my bank account is unacceptable and that I would just take it to the next stage if I had to I think.

 

Surely it's up to ourselves how we receive the money and the fact that my account is in arrears is nothing to do with it as that is a seperate issue altogether.

[sallysas]

As stated above they can legally clear any outstanding debts to themselves before paying you. Sorry, but perhaps it is worthwhile holding out and filing at court, at least you can claim 8% statutory which is backdated to when the first charge was incurred. Whichever way you go, you will owe less.

[Dusary]

I think this might be what you are looking for!

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

[playbhoy1967]

I can't believe they are allowed to withdraw my overdraft though.

 

Fair enough I can accept that they would clear the amount of £200 est. that I am over my overdraft but to withdraw my overdraft facility is pretty rubbish.

 

Hardly feels like a victory now.