overflow v Halifax

[sanand]

Hows my 'claim buddy' doing tonight & did you pm the 'top brass'?? x

[armillariahoneydew]

I know this may sound thick but can you not accept the deposit as partial payment and still pursue for full amount?

[sanand]

Yes you can, but im not sure where the template is for it, Overflow will though!

[Dusary]

Here you go (for keeping YOUR money) letter

YOUR Street

Town

City

Postcode

 

 

Date

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

 

Response to settlement offer.

 

Dear [named sender or Sirs]

 

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

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 claim if necessary.

 

My (Request for Repayment letter) (Letter Before Action) dated xx/xx/xx indicates that you have until xx/xx/xx to respond before I proceed to the next stage of my request (before I commence legal action). My deadline remains the same despite this offer.

 

If you do not accept my conditions for acceptance, or you do not respond within 7 days, I shall return the cheque to you. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

(If the bank have credited your account, please use this note in place of the above paragraph)

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer and the money transfered to my account should not be viewed as my acceptance. I hereby authorise you to remove this sum accordingly.

 

I trust this clarifies my position.

 

 

Yours faithfully

 

[signature]

 

[print name]

[Dusary]

Actually, Letter # 2 is better!

 

YOUR Street

Town

City

Postcode

 

 

 

Date

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

 

Response to settlement offer.

 

Dear [named sender or Sirs]

 

Thank you for your letter dated xx/xx/xx

 

I respectfully decline your offer of Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

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 claim if necessary. I also reject the further conditions of acceptance that you have attached to this offer, namely (describe the offensive parts here!)

 

My (Request for Repayment letter) (Letter Before Action) dated xx/xx/xx indicates that you have until xx/xx/xx to respond before I proceed to the next stage of my request (before I commence legal action). My deadline remains the same.

 

If you do not accept my own conditions for acceptance, or you do not respond within 7 days, I shall return the cheque to you. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

(If the bank have credited your account, please use this note in place of the above paragraph)

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer as Full and Final settlement and the money transfered to my account should not be viewed as my acceptance. I hereby authorise you to remove this sum accordingly.

 

I trust this clarifies my position.

 

 

Yours faithfully

 

 

[signature]

 

 

[print name]

[Dusary]

Who are you calling a BIG GUN?

 

I'm sure SSL and I object to being called:

 

B I G !!![/quote]

 

Your letter looks fine!

[sanand]

Hows TOP BRASS sound then!!!!!

[overflow]

Hi Dursary

 

Thanks for readin my letter. I sent a Rejection letter tho them on the 10th and requested they take money out. Ive also spoken to A Baker and requested they take money out, but to no avail.

 

Its still bl**dy in there.

 

Hope I didnt offend you by sayin "big",.

I only meant, Fantastic, Brilliant, Super, Great, Marvelous, Clever---

 

Can I stop now? Is that enough suckin -up:rolleyes: .LOL.

 

Back to letter , the letter they sent me with the offer did NOT have Full & Final. mentioned at all.

 

I was going to fax tis one to them , but , there again I may just ring them again.

Oh hee we go again , cant make my mind up.

 

Half of me is sayin ring the other half is sayin NO leave it till Monday . If I knew for sure that the have to pay back longer than 6 yrs then I woulnt bother, but there is no guarantee is there.Also I would deffo be going for the unpaid charges where-as if I cant claim from 1999 but only 2001 this would mean going to Court for just the contractual , I dont really want to do that. Lose anyway.

Perhaps they are thinking along these lines and are hoping for that end result.

 

Just wish they would do something, anything,

 

Regards

[overflow]

See Im so confused thought I had called you that somewhere in another post, I appologosed for nuffink then

 

Just realised it was Sanand . Naughty girl. .

[sanand]

Hi Overflow,

Not long for us now x

[overflow]

Just wonderin if perhaps i should give this "Jamie " fella a buzz as well.

 

I mean if hes helped you then-----------------

 

What do you think

[sanand]

Yes, what have you got to lose x

[jubaxt]

go for it overflow-give em a call-nothing ventured......

[sanand]

The suspense is killing me overflow.................................

[miz_print]

Me too overflow would be great if you could post some GOOD news xx really rooting for you x

[sanand]

Whats the latest?......................................x

[miz_print]

Omg hope overflow hasn't passed out in shock cos they have agreed to pay :o xx

[sanand]

I know, shes gone offline, hope her pc hasnt done one again at this CRUCIAL moment!!!!!!!

[jubaxt]

overflow!!!!!!!!!!!!!

 

where are you.lol???

[sanand]

This is doing ALL our heads in!!!!!

[miz_print]

How come its showing overflow as been online?? is it me ??? xx where are youuuuuuuuuuuuuu???

[andyford2000]

Hi all,

 

so sorry to interrupt this very informative thread, but I just had to say well done to all for pursuing your claims against the big boys.

 

I personnally havent done it as yet, little scared maybe, read all the bad press about them closing peoples accounts down and all.

 

may i actually ask a little question or two.

 

where do you actually start in all this against the halifax,

 

and how far back can you actually go in claiming costs and charges

 

cheers all.

 

Andy

 

PS, Mrs Overflow, well done and i hope you get the rest

[sanand]

No its not you Miz, overflow does show online now but she didnt earlier:confused: It must be her pc again??!!

[sanand]

Overflow has gone again :confused::confused:

[overflow]

HI Guys.

 

Sorry to keep you all in suspenders:p

 

I rang that number and got a young girl on the other end. C Lucy.

Very pleasantand helpful.

 

I told her why I was calling re claim she did all the mandatory security checks then asked how she could help.

 

Explaned about the offer Id had, the Rejection letter Id senty then the phone call to A Baker.

 

Asked her if she could enlighten me as to why the money remains in my bank when Ive requested twice for them to take it out.

 

She asked me what the figure was Iwas looking for!

 

AHA ! Thinks me perhaps were getting somewhere I told her it was only £300 more than the offer and she said that she would get in touch with A Baker could I hold.

 

Certainly says I no problem.

 

She came back to me and said that he was busy but she would e-mail him to say that I was willing to negotiate and would he ring me back.

 

 

the noise in the background was very loud and I said they sounded busy. To which she replied "Yea, Its been like this all day nothing but claims, they seem to be negotiating on a lot just now."

 

YIPEE I thought .

 

She read out the e-mail and said he would call me either today or tomorrow.

 

I thanked her for being so helpful and put the phone down with a glimmering feeling of hope.

 

HA HA . Within 15 mins the phone rang .

 

I nearly jumped on it. It was HIM so I thanked him for ringing so quickly.

 

He remembered our phone call the other day and said that he had an e-mail informing him that I was willing to negotiate.

 

Well yes I said. I asked him why the money was still in my account when they have had written permission to take it back and alsothat during our phone call he hadassred me he would arrange for it to be done.

 

He appologised and said that he did request this but it was not down to him, someone in the finance dept had to do it but he would make a note and get it chased up.

 

He asked me how much would I feel was due to me an I told him.

 

To which he replied -----------

 

" Well Im sorry Mrs Overflow but this will have to go to Court I am unable to ofer more than we have aready offered you, and we are prepared to go to Court with this. Im sorry"

 

"Its OK " I said (choked) smiling my best smile down the phone ( Ive heard if you smile whilst talking on phone it makes your voice sound lighter).

"Its not your fault ,thats fine, but will you remind them that their Defence is due in Court on Monday and I still want the money removed"

 

"Of course " he said.

 

"Thank you for your time and your help then " I said by now grimacing down the phone.

"Your welcome " says he.

 

I came off the phone and kicked the dog

 

JOKING ! I havent got a dog ,Not that cruel anyway.

 

I was mildly annoyed to say the least. (If you believe that youll believe anythin)

 

So heres me thinkin that at last I might get a result , HAH. Got a result all right ,but not the one I wanted.

 

You know Im beginning to think that perhaps Ive made one almighty c**k-up somewhere along the line and that they will go to Court just for the satisfaction of winning one and making me look stupid. (which wouldnt be hard)

 

Cant believe that they are doing this for a measly £300 more its not a fantasticly big claim by any stretch of the imagination.

 

Oh well never mind eh! Ill play the waiting game again roll on Monday but least Ill know either way what they are doing .Hopefully.

 

Im just so glad that you two seem to be getting somewhere at last youve both had it much worse than I have so I suppose shouldnt moan .

 

Regards