change-itvHalifax(Scotland) WON !!!!!

[chancer]

Patience is a virtue and it won't be long now.

LBA sent off today. Getting there.

[Liasmum]

Oh noooooooooo i ve made my cheque payable to Bank Of Scotland. Musta been having a blonde moment. Grrr will it matter?

[change-it]

Hi Lias mum

I wouldn't think it would matter-it is HBOS now isnt it.Just keep checking to see if its cashed.

 

change-it

 

 

Hi Chancer

It seems like ages to wait doesn't it ,but it'll all be worth it.

[Liasmum]

Thanks change-it lets hope it does nt delay my claim

[Aaronsdad]

A small point, but- we are actually dealing with three organisations.

Halifax, BOS and HBOS.

 

Shouldn't matter about the cheque though once it's cashed they are culpable.

 

Just thought I would point that out because I've got nothing better to do today!!!!!

 

A D

[chancer]

Patience is a virtue .

 

Hi Chancer

It seems like ages to wait doesn't it ,but it'll all be worth it.

[change-it]

Just thought I would point that out because I've got nothing better to do today!!!!!

 

A D

You're helping & supporting people on here!What better to do?

[Liasmum]

It does seem ages to wait but ive got ages lol

[Liasmum]

Well my letter was signed for a week ago but the cheque is yet to be cashed grrrr typical eh.

[change-it]

Hi there:)

Had a call from Halifax offering £240 short of my £2300 claim(excl. interest)which I asked him to go and check because our figures didnt agree.I asked him to call me back today once he had checked which he said he would.

 

(BTW I had claimed 6 years not 5 as should be in Scotland! )

 

Now having doubts as to whether i should have accepted the offered amount as this would have been the 5 year amount.

[change-it]

Hello

Just had a call from Halifax offering £240 short of £2300claim. (excl interest) which i haven't quite accepted as the basis of the call was :

1. To let me know that they didnt have details before 2003!!!!

2. to give me an offer.

I said no probs I had all the statements we could go over them on the phone,he said it was ok he would look into it. I asked him to call me back today which he said he would...........

 

BTW........ I had asked for 6 years not 5 as should be in Scotland!!The amount offered is nearly the 5 year total.

Thinking now i should have accepted!

 

(See how Ive got to this point in my thread in the Halifax forum.)

[change-it]

True to his word he did call back to say he still didnt have the other charge details so he would call again tomorrow!

[Bigmac versus]

Hi change-it and i see your LBA is up in the next couple of days, if you raise a small claim you will be entitled to judicial interest of 8%, you can do this if they dont offer you the full amount you have claimed, when they know you have raised an action against them they will settle over the phone with the interest, does the 8% make a difference to the size of your claim. This is not being greedy this is them trying to avoid the extra costs and yes at the very last minute also, so i would do them no favours, one more week they would have been served with the claim and would need to settle for charges, interest and costs. Good luck with your choice.

[change-it]

Thanks Bigmac (aka Herald centrefold)

My sentiments exactly but would I need to reduce claim to 5 years then?

My thinking is I'd probably need to claim thro' FOS too ?(as claim is £2300)

 

The bit Xtra would be nice!

[hardcore_alleigh]

hope you get it sorted soon change-it, didnt realise u were in wee bonny scotland! are the rules much different apart from the 5 years of claims as opposed to our 6 years worth in England?

[Bigmac versus]

Sending you a PM change-it.

[change-it]

hi hardcore

Thanks Looks like it will be soon! yippee altho ive got a huge overdraft to clear!!!so wont see much of it. But it will be great to be in the black again!!(well sort of!)

In scotland we can only claim up to £750 or £1500 in small claims court so not as good as £5000 in England!

[change-it]

Well my time has come to say:

 

YIPPPEEEE I WON

Phone call this morning (8.40!!!! are they keen to give me money or wot!!)to offer FULL amount. Didnt take long to 'find' the other statements and 'manually' add them up from after 6pm last night......sarcasm ....sarcasm....

However said am gonna continue claim until money received, 14 days he says....watch this space...

 

BIG BIG MEGA thanks to ALL on this site..... the support and help is wonderful.

And BIGMAC..thanks for last nite...(so to speak:p lol) Will PM you.

 

If I can do it ANYONE can .DO NOT GIVE UP.

Regards,

a very happy change-it

[stevokenevo]

Congratulations!!

[sea-sidelady]

CONGRATULATIONS....!!!

 

Thats great to hear. Its a great feeling when you can write that..... :D

 

Let us know when the money appears..

[change-it]

Thanks Stevo!

They called this morning offering FULL amount! YIPPEEEEEEEE

Didnt take long to find those missing statements!!..................or could it be my LBA is up tomorrow and his fob off diidnt work with me?..............hmmm I wonder.

[jimmyjoe]

Nice one change-it least the balls rolling on your case and they've nearly offered the full amount. very tempting offer but you done well knocking them back, keep going you will get the full amount. will keep an eye on how your case goes by the way, as its very close on for same as mine. get tore into them for your cash!!!

[change-it]

Thanks Seaside you're a great support and will do.

[jimmyjoe]

Ha ha that was quick!!! congratulations well done.

[Jaybabes]

Well done chanfe-it... wish the TSB were as quick to settle lol