tilly49vhalifax **won**

[**Tilly**]

hi all just thinking ahead if no joy from lba and i have to take them to court my charges are over 5.000 how do i go about it

[**Tilly**]

just wondering if its worth a try adding a paragraph on to lba letter goes something like this without prejudice the charges and interest i have claimed above xxxxx however if you are prepared to pay me xxxxxwithin 14 days of the date of this letterand for such purpose time shall be of the essence i am prepared to accept this lower figure in full and final settlement of my claim and interest.i look forward for a full response to this letter within 14 days otherwise i will commence court proceedings to reclaim my money

just wondered if anyone else has gone down this route

[**Tilly**]

hi cosmo any updates on your claim ive got 3 days to go before i send lba

[**Tilly**]

im just about to wriye my lba ready to be posted on friday but dont know weather to send the lba or to send the one were it says however if you are prepared to pay me within 14days of this letter i am prepared to accept in full and final settlement can anyone advise or has anyone done this and comment welcome

[happyolddog]

Hi Tilly,

Heres the address I used, It got me a result.Good Luck.

 

halifax complaints address

 

Halifax Bank PLC

Trinity Road

Halifax

HX1 2RG

[**Tilly**]

thanks happydog will send it there recorded delivery

[**Tilly**]

happydog can you tell me did you send the standard lba or the one asking to negotiate a lower amount

[suze1]

Hi TillyI've just started the ball rolling by sending my prelim letter yesterday by RD to Trinity Road, I await 8 May with anticipation. My claim is only £1,202 w/o interest but I intend to send standard LBA on my claim. This has to be your decision, but it is your money and the Halifax are surely going to want to negotiate if your claim is for a considerable amount. have you looked at the "successes" threads, they've given me a lot of confidence this morning and I intend to hang out for the full amount plus interest if it means court action, this will be just over £1500 and will sort out our overdraft with a little left over for a celebratory meal whether it's in a month's time or 3 months. The decision is yours, I know it must be hard knowing that you have only 2 days to send it and I bet you've got it written out both ways just wanting someone to tell you what to do. It totally takes you over doesn't it. Watching your thread with much interest as you are 12 days ahead of me.Best of luck, Suze

[**Tilly**]

thanks for your reply suze1 yea you are right i have written both out but have now decided to just send the lba and go for it they have got two choices pay up or go to court dont no wether to send thursday so they get it on the 14th day or friday in which case they wont actually get it until the monday but up until now still had the only one reply from them we have 8weeks blah blah will keep u posted

[suze1]

Hi TillyI am going to send mine on 8th May which is exactly 14 days. I am not allowing for Sundays or Bank Holiday Monday (which is within my timescale, but have counted Day 1 as today 25th April 2007). Whenever we get demands for money it is 7 (or whatever) days from the date of letter, so I am doing the same to the Halifax. I would send it on Friday 27th May (if that is your 14th day) and then allow your next 14 days to Friday 11 May.Suze x

[**Tilly**]

thanks suze1 yea i will post on the friday woll be interesting to see if what reply iget if any

[suze1]

Hi TillyI will be watching and learning from your experience too. By the way, in your prelim did you ask them for refund of charges plus interest or just the charges? I only asked them for charges in my prelim, but when it comes to my LBA I will then obviously ask them for interest too, that's ok isn't it? Is that what you're doing? Suze x

[**Tilly**]

just asked for my charges in prelim i think you ask for interest when you take them to court not really sure on that one myself perhaps some else could tell us

[PPMAN159]

Corect Tilly

 

Claim the basic charges back on the LBA and then add the 8% when you file at court

[**Tilly**]

thanks ppman149 wasnt sure but thanks for confirming

[**Tilly**]

on the note of interest how do you work it out month by month or year by year any advise would be most welcome

[PPMAN159]

Tilly

 

The spreadsheet is contained on the attached link.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

All you need to is detail the charge,the amount and the date levied and it work the interest out for you

[**Tilly**]

cool thanks ppman159 will a look

[**Tilly**]

been trying to get the interest calculator spread sheets but seem to be having trouble getting them any suggetions anybody

[happyolddog]

http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls

 

I used this link and got it, have a try.

Good Luck

Hod

[suze1]

Hi again Tilly

 

I had a look on Martin Lewis' website www.monseysavingexpert.com and he has an interest calculator on that. You just type in your charge and the date and it automatically works out the interest for you and keeps the total going til the bitter end. Suze x

[**Tilly**]

great thanks suze1 will have a bash at that one let you no if i succeed

[**Tilly**]

hi all sending my lba of on friday got a feeling its to court all the way just wondered when you file your claim and you get a date do you have to attend

[**Tilly**]

hi all hit a problem due to send lba tomorrow cant find my prelim copy anywere which had copy of charges but i had two original copys just added up charges on the this one but the amount adds up to more than the first can i still send in this one HELP

[**Tilly**]

back again just writing lba letter might sound a bit thick here but were its got bank address is that your branch or trinity road