what happens now

[barneybear71]

Ok so i now have had my statements and sent them the letter asking for my money back and i got a letter saying " sorry you are unhappy iwth the charges we have 8 weeks to investigate and respond so say the financial services authority" My 14 day wills be up on Monday so do i move on to the next letter or do i have to wait for them to investigate ????? Any advice please

[dpick]

Hi this is your claim the letter is just a stalling tactic keep to your time scale

 

I am 5 days into the 14 days I gave them on prelim letter.

 

good luck dpick

[jaxads]

Hi Barneybear71

 

Good luck with the Halifax.

 

Stick to your timescales and you WILL get your money back.

 

Have a read of my thread to see how I got on with the Halifax :D

 

Only problem with me now is I've had another two charges and I don't want to risk them closing my account, so don't want to claim again. Halifax don't seem to close accounts after one claim.

 

Best wishes.

 

jaxads xx

[sea-sidelady]

Hi barneybear.

 

Like the others have said. At the end of YOUR 14 days just send the next letter (lba).

 

They are just stalling. Ignore it.

[barneybear71]

I am nearly at the end of the tunnel now but just wanted to check that i am doing the right thing.. I have got a letter from my bank offering a full and final settlement which is about £243.01 short. What letter do i send them now and do i wait untill the 14days are up even tho they have replied.Or just send the next letter on Monday. Its so nerve racking turning money down . Any advice would be gratefully received thanks

[ladybird17]

Hi Barneybear - I really would suggest you have a good read around the site, and look at all the template letters, the FAQ's and the step-by-step guide. All your questions are answered in these sections. If you do this, you will understand the process, it will save you posting and waiting for an answer. This is what you now need. Rejecting Offers

[gemmabe]

No refuse it unless you are really desperate for the money straight away. You can reply with a short letter saying thank you but you will only settle for the full amount as previously stated, and if not received within 14 days from the recript of the LBA then you will be claiming in court. There is no need to send a letter though, you could phone them or just wait for the 14 days to expire then file.

[ladybird17]

sorry gemmabe, I'm going to have to disagree - a phone call at such a crucial time in the negotiation process is definitely NOT the way to go. If this goes as far as court there MUST be a paper trail.That is why there are template letters on the site to deal with partial acceptance.

How can you ever prove what was said in a phone call? Plus the court must see you have taken all reasonable steps to negotiate correctly.

[barneybear71]

Thanks for your reply i have read the info on this site but there is so much to take in and when you have the memory span of a goldfish it is'nt that easy to remember everything i will send the rejecting offer . Only qusetion that was'nt answered is do i wait for the 14 days to be up from sending the lba or do i send this letter out straight away ? :o

[dpick]

Hi wait the 14 days then send LBA, They then cannot say you did not give them time etc.

 

Good luck dpick

[barneybear71]

thanks for that dpick but i have allready sent them a lba and how now received a full and final offer :o

[ladybird17]

how much did they offer Barney- is it what you claimed?

[barneybear71]

hi ladybird they offered 885.00 and i claimed 1128.01

[barneybear71]

i have done the fisrt letter of the rejection letters as there no terms set by them in the letter sent is that the right one to do ??

[barneybear71]

also do i send the rejection letter to the same address as the others or send it to the address that the offer came from . I know i ask alot of questions ..

[ladybird17]

Hi Barney - send letter to the address that was on your offer letter. Are you doing the partial acceptance letter from the templates?

[barneybear71]

i think so the letter is worded i will accept the sum offered only as part settlement and on the clear understanding that i will pursue recovery of the remainder with a county court if necessary is that the right one they would pay the money into my account if i signed the letter accepting the full and final payment offer .

[ladybird17]

yes, that's the right one - and I think you have EVERY chance of getting the whole amount as what they have already offered is very close to what you are claiming. Hardly think it likely they would go to court over less than £250 squids. Fingers crossed for you! Keep posting (and you are not asking too many questions, you are doing everything you should do by the sound of it, and just coming back here to confirm you're doing it right, which is what this site is all about:) )

 

Oh - & if it was you who clicked my scales - thankyou!

[barneybear71]

Thanks You Have Been A Great Help Will Keep You Posted

[ladybird17]

you're very welcome. Yes do keep the thread updated I shall wait for the good news!