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

[sea-sidelady]

Thanx for the click, I love the comment... :lol:

[change-it]

I believe in fairies etc.

[Liasmum]

Well done change it:D

[change-it]

Thank you all

It will be YOU one day very soon:D

[Bigmac versus]

CONGRATS Lynn

[b49]

Many many congratulations that is such fantastic news, I am really looking for some advice.

I have received my statements and sent of the 14 day letter to HBOS, they still have approx 10 days to reply, what I am really concerned about is what i do when they say i can't have the refund.

I live in Scotland and have read so much about this subject my head is fit to burst, i would really appreciate any help that you could give me, as my blood is boiling thinking about all the money they have taken from me over the years

 

Thanks in advance

[change-it]

Thanks b49.

Its best to stick to one thread and then everyone can follow your progress and you can get all the help and support you need.

Theres a reply at this thread -claiming-scotland-me-hbos.

They will try and tell you that you are not due the refund but YOU ARE.Just wait the 14 days and then follow the procedures-if no response send out the LBA.

Best of luck

[change-it]

recieved my acceptance letter-don't want to agree to not claiming more charges in future(as Ive already another since I started this!)Don't know whether to send a seperate letter or amend their's.Thought I saw something about this but can't find it now. Any help?

 

thanks

change-it

[sea-sidelady]

Send this one..

 

 

Date

Dear Mr bank man

Ref: Your Offer of Settlement (thank you very much..... )

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I trust that you will find this arrangement acceptable.

 

Love and kisses

Change-it xx:D

[change-it]

O thanks Seaside!

 

You are a STAR:)

 

change-it

[blue eye]

hi change it, recieved letter from halifax saying it would take up to 8 weeks dealing with my complaint. Should i just go ahead now with my next letter? Thanks blue eye

[blue eye]

can anyone advise me. Not sure what to do. Thanks

[sea-sidelady]

Hiya blue eye.

 

The first thing you need to do is start your own thread. That way when you have any questions we all can see and you will get help faster.

On the top and bottom of the page it says "new thread"

 

Click there, add your title, and that is yours.

 

But to answer your question....Ignore that letter, it is just a stalling one. Yes send your next letter. Keep us up to date with your progress...

[blue eye]

Thanks sea-sidelady will do that. You can tell am not a pro. Much appreciated hun. Blue eye

[change-it]

Sending 'thanks for the money and get it into my account soon and also i'll be claiming any more future charges' letter (thanks to SeasideLady)off tomorrow. Hopefully money in bank soon.

[blue eye]

Thanks sea-sidelady, will do that. You can tell am not a pro. Much appreciated hun .......Blue eye

[sea-sidelady]

No problem, We all had to start at the begining. You learn sooo much on here.

I will keep a look out for your thread blue eye.

 

 

Our way right till the end! Hope it will be soon for you change-it.

If you need me, i will be as you say "flying around"

[blue eye]

hi blue eye here again. Heads wreck,d on what to put in next letter. Basically what i put in perlm and stating another reply within 14 days. Help.

[change-it]

Our way right till the end! Hope it will be soon for you change-it.

If you need me, i will be as you say "flying around"

 

Lol:p thanks seaside

[change-it]

Well,

 

Phoned Halifax to get an indication as to when money would be in account to be told that it wouldn't be!because i hadn't send them their standard acceptance letter back and had sent my own!

 

I said it was because I couldn't say that at any time in the future i would not claim more charges. She said I had to send them their acceptance form before I would get my money!!and accept this as full and final settlement!!

No way!

[Bigmac versus]

Hi Lynn sounds like court action or through the FOS, both these will include the interest at 8%, just when you think you are getting somewhere, they are playing games with you by the sounds of it.

George

[change-it]

Thanks George

I knew it was too good to be true. Looks like a long wait now.Wonder when they were going to let me know?!

[chancer]

Hang in there change-it - perhaps the longer the money is in there account it will gathering interest for them? No doubt they will say they sent a letter to inform you which never arrived. This is what I was told over the years when money got taken from my account.

Thanks George

I knew it was too good to be true. Looks like a long wait now.Wonder when they were going to let me know?!

[Bigmac versus]

I would write to them and inform them as they have failed to settle the matter within an acceptable timeframe and without conditions attached you are not accepting their offer and are now going to pursue the claim to its conclusion through the FOS where you will be claiming for your charges and the judicial interest of 8%.

Personally speaking i would complain through the FOS immediately and remember to add on the interest to your charges before sending.

George

[change-it]

Thanks George

I'm going to go FOS,I'll have to read up on that now,hadn't bothered much as I THOUGHT I was done and dusted!And yes ,feels like they are playing games, oh here you are but if we slap charges left right and centre you can't claim them back. Am really annoyed.