Noddy6598 V Halifax

[noddy6598]

Just thought I would let you know that I had a change of mind since yesterday.

 

Still taking Monkey's advice, I called the number on my letter (and recorded the call) thinking....what have I got to lose.

 

I got directly through to a nice helpful guy and told him very politely that I appreciated the offer but it wasn't high enough. I said I would accept the offer as part payment, pending the rest.

 

When I pushed him for a better offer, he offered me £1439. This is £200 short of what I'm owed on this particular account.

 

I have now hit a point where I need some advice. If you have followed this thread, you will know that I am claiming charges back on 2 halifax accounts. One amounts to £1643 in charges (inc. interest) and the other £365.

 

The offer of £1439 concerns just the first account, I have had no offer on the other account.

 

Up until I did my MCOL, I kept the 2 accounts seperate, ie. seperate prelims and LBA.

When I did my MCOL, I added them together which is why my MCOL is for the total amount of both accounts.

 

If I accept the offer, this settles one account but leaves the other unsettled. Would I have to amend my MCOL in some way???

 

Any advice would be appreciated.

Noddy

[monkey_uk]

noddy, to be fair, I don't know why you're bothing to chase them.

 

You've told them how much you want, if they don't pay it you, then it's court time baby! Simple.

 

Do you think they'll let it go to court? I doubt it. Why they are offering £200 less beats me, it defies logic.

 

Just write to them and either reject the offer, or accept it in part-settlement (I'd just reject it, but that's me).

 

Let them do the leg work, you've done your bit for bnow, just sit back and wait for the cheque (as well as reading up about court, just in case)!

 

I hope you take this post in the spirit it is intended, I'm not having a go at you, I'm really not, but you're being waaaay too nice and helpful to them.

[doo]

Hi Noddy, I see they are not meeting your full claim, when I managed to get a result before court I was only down by £30, it was around end of December so maybe they have got a bit firmer on claims now.

 

It would seem your way forward now is through court action, at least you will get your interest now. I would do it asap, as monkey says you are being way to nice. Go for it.

[littlejam]

I agree with the 2 previous posts. You've been very reasonable but the offers just don't follow logic or consistency (as usual with Halifax!).

 

The point is if they accept these charges are unreasonable/unlawful and are making an offer why on earth are they trying to save £200. The point is if they offer the full amount they will avoid the 8% interest at court.

 

Also, have they explained why there is no other offer on your other account? I say, go to court and get your money back.

 

let us know what you decide...

 

littlejam8)

[noddy6598]

I must have been in too good a mood!!

 

Don't worry, I have taken the advice as intended and thankyou to all of you.

 

I have decided to reject anything but the full amount and will see it through to the end.

 

Cheers all.

[monkey_uk]

Noddy, to clarify, you've rejected the offer rather than accept it in part settlement yes? If so, good on you!

[noddy6598]

Yes mate, thats right!

 

Anything but the total amount will be rejected.

Cheers for the advice.

 

I'll keep you posted.

 

LlinB, hope you get some news soon.

[noddy6598]

Progress at last!!!!!!!

 

Having checked my accounts today via online banking, I have been credited with cash from Halifax cutomer relations.

 

My first account, which had bank charges and interest amounting to £396.06 has been credited with the full amount. SETTLED IN FULL. I had no phone calls, no letters, nothing.

 

The second account has charges and interest amounting £1643.98, has been credited with £1116.88.

 

I called customer relations and asked why they had credited my account when I had rejected their previous offers of £700 and £1439. They said that a mistake had been made and that I would be credited with a further £616.54 straight away. This would be a full settlement of both accounts.

 

So it seems I have finally won my claim. I am just waiting for the outstanding money to be paid into my account, so until then, I will hold back on the celebrations!

 

I'll keep you posted.

[LlinB]

That is brilliant news, well done for stickig to your guns.

 

Still no news here only a letter telling me they're sorry they haven't responded to my complain and a leaflet about how to contact the ombudsman!

 

Have a very good weekend to reward your efforts.

[LlinB]

Just thought I'd check my account on the off chance something miraculous might have happened and there are mysterious receipt saying CASH £1099 and CASH £261!!! This was the original amount and then the court fees and interest but I haven't even had a letter to warn me.

 

Am dancing a jig!!!!

 

Think I'll have a good weekend too!!!!!

[monkey_uk]

well done noddy! Told you you'd get it!

[noddy6598]

Well done llinB, enjoy!!

 

Thanks Monkey for your advice, I will sit tight and wait for the rest now!!

Fingers crossed.

[noddy6598]

Hoooooo Raaaaaaaa!!

 

Just checked again, all money now paid in!!

 

I Won!!!!!

 

Thanks to everyone who has contributed to this thread, especially doo, monkeyuk and LlinB.

 

Without your help, I may not have won.

 

I'm off to the pub now...........

 

Good luck everyone else who is still waiting for their money.

[doo]

congratulations noddy - you did it - enjoy the drink.

[holly essex]

Good luck

Hello everyone,

 

I'm brand new on this site and after hearing mates at work successfully claiming back bank charges, I thought I would give it a whirl!

 

I have started this thread as I'm right at the beginning and will hopefully lead to me being successful myself and for others to follow in their case.

 

My initial letters requesting the last 6 years charges/statements for both my halifax accounts were sent on 28/1/07, together with cheques for £10.

 

Thats basically it!! Heard nothing as yet and no cheques have been cashed..................

 

Just wondering how long people have had to wait, i'm guessing the full 40 days???

 

Anyways, I'll keep this thread up to date with all developments and thanks for reading and taking an interest.

 

Noddy