Abi113 V Halifax

[abi113]

Hello

 

I obtained all my statements and wrote my intial letter for request of refund of charges, this was 14 days ago and I have recieved my first offer of £1330 when my original claim was £2260 BUT I was claiming partially for charges which were still currently on my account but not paid ( ie - charges) . They have now closed my account so it appears the - charges have gone with it, if that is the case the offer is only approx £100 off the charges I have paid for. I have tried to contact the bank to find out what has happened to the negatove charges but noone can get my account details now it is closed. Would my best bet be to ring the claims department and ask them more about this? I dont want to hold out for the full whack if I am not owed it all and then I don't know where to repay the negative charges since no one recognises my account details. I hope this has made sense. I want to get it all sorted and begin the next stage but this has put a spanner in the works!!

 

Thanks

[abi113]

Cheeky BUMP for evening advisors!!

[ab123uk]

Hi abi113,

Ok, the charges due to debit will not debit until today- the a/c was already closed- they can't debit.

To clarify this, Customer relations (01422 333880) might order an ACR - account report, which basically shows your information for the past 6 years- (NOT MANUAL INTERVENTION THOUGH!!!! everyone!)

If they wont do an ACR request, tell them you would like it in writing that at no point you will be contacted as oweing these charges.

 

Hope this clarifies it.

[abi113]

Thanks ab123uk

 

I have spoken to Halifax and they said their offer was on top of clearing the £500 current neg charges and he also said he would ensure the default was removed from my credit rating ( I didn't even know their was one) I asked for this in writing confirming the default removal and bit about the negative charges , purely so I can reject it and go for the furthur 300-400 . The letter didn't mention clearing neg charges and removing the default so shall await the new one to reject! Feeling really confident about it all at the minute. Fingers crossed!

[abi113]

..stuck again. They have sent a cheque for £1336 and won't send a letter confirming what they verbally offered which was the above cheque + all the negative charges cleared and no longer persued and the default removed off the credit record. Can anyone point me in the right direction for the next letter to send? Also do I send the cheque back or accept it as part payment even though they said it was a FULL AND FINAL offer

 

With thanks