Halifax OFFER

[stalibaker]

I wrote a preliminary letter with a schedule of charges to Halifax asking for them back. The charges and interest came to a total of £2500.00. Four weeks later, They(Halifax) wrote to offer £702.00 final offer.

I would have rejected it though if it wasn't for my dilemna.

The schedule of charges was for a total of 11years and I think as you can only claim for 6 years, I fear the worse if I don't accept this offer. Also, as I didn't have overdraft facilities, most of the charges were for bounced cheques and unpaid direct debits but I've added the 8% interest across all board. What should I do? I now have 11 days to consider this offer. Please advice!!!

[Guest louis wu]

out of interest, what would you be claiming if you only went back the 6 years? If its about £702 then you could consider starting again and claiming back the 6 years amount.

 

There are many points of view on the 'over 6 years' claims. I don't know enough, because it hasn't affected me, but it is something that is an ongoing concern.

 

Give us a few more details and you'll get more specific advice

 

Louis

[dx100uk]

woops!

you should of read the step by step instructions:rolleyes:

 

well unless this offer is close to a 6yrs [no int] figure

i think what i would do is use one of the letters in my sig

and reply saying you will reject or accept the offer as part payment only of [xxx] new figure, inc a new schedule of charges [without int] mention your error over the 6yrs rule and continue the course of your claim.

 

i dont think everyone gets it right & p'haps the banks are rather used to the claims by now anyhow.

 

should workout ok

 

dx100uk;)