drjimbo Vs HBoS Encouragement needed

[drjimbo]

Having spent time looking at old threads etc i would like some advice and encouragment as to my course of action.

 

Sent my 'Statement Request' letter in late March.

Cheque was cleared 13th April.

As of today no statements, reminder sent today.

 

Estimate charges to total £2-3k

 

Next step send the required letters

Once deadline of LBA letter past/final offer recieved contact FOS.

 

Does this sound like i've got things in hand or am i way off the mark???

 

Thanks in advance

 

[Rooster-UK]

Looks good to me.

 

Stick to your own timetable and don't le the bank delay you.

 

Regards, Rooster.

[Stornoway]

Having spent time looking at old threads etc i would like some advice and encouragment as to my course of action.

 

Sent my 'Statement Request' letter in late March.

Cheque was cleared 13th April.

As of today no statements, reminder sent today.

 

Estimate charges to total £2-3k

 

Next step send the required letters

Once deadline of LBA letter past/final offer recieved contact FOS.

 

Does this sound like i've got things in hand or am i way off the mark???

 

Thanks in advance

 

Keep pressing re the statements - if they are outwith the 40 days then complain formally to the information commissioner (although this does take time for them to write to halifax and get a response). Halifax now seem to be taking a tougher stance so you'll get a KB at prelim letter stage and a 50% offer at LBA - phone them at this point and negotiate - make it clear you'll accept nothing less than full refund. If they wont agree then take court action and they normally pay out quickly with 8% interest. Stick to the rules and you'll get there in the end.

[drjimbo]

Am going to go with FOS as charge total £2k+, when sending the prelim and LBA letters do i threaten with court action or with FOS?

[Stornoway]

Am going to go with FOS as charge total £2k+, when sending the prelim and LBA letters do i threaten with court action or with FOS?

Court action - if you dont then halifax treat the claim in a different less favourable way.

[drjimbo]

Have spent the night in the attic looking out old bank statements, am only missing three out of the last five years. Totalled the charge on the ones i have (£3300), do i wait for the missing ones or can i go ahead with maybe 1 or 2 missing? Quite happy to go for £3300.

[Dusary]

Why are you not going for the full amount? After all, it IS your money that they have half-inched!!!

 

I'm going the full way! If you look at my thread (Dusary vHBoS) - you'll see how much they have removed from my 2 accounts over the past 6 years.

 

Goodness only knows what they have taken BEFORE that - I'm awaiting my full banking history.

 

I'm not sure about Stornoway's comment, though.

 

Since we are in Scotland and are way over the financial limit for the Scottish Courts, are we not best to wait until we receive the bank's "This is our full and final offer - push off kiddo' " and THEN go running screaming to FOS?

[Stornoway]

in your letter you MUST use the templates in here which threaten court action. If you do that then Halifax will;

- offer nothing at prelim

- 50% refund at LBA

- they will be prepared to negotiate upwards following LBA to a max payout of 100% of charges

- if you launch court action they will pay out fairly quickly.

 

If you have to go to court you can do it in england as i have done by using an english correspondence address. I opened a mailbox with "mailbox etc" in preston and put this address on the claim docs - all docs then get posted up to me.

[drjimbo]

Am preparing my initial letter and am wondering what interest % to add. What is an appropriate amount that isn't over the top?

[drjimbo]

Have sent my prelim letter giving the 14 days, got a refusal reply today (7 days later). Can i send my LBA now or wait for the 14 days to expire? Anyone?

[stevokenevo]

you can send the LBA now, if you sent the template prelim, you will notice you have said to them

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect.

 

which states quite clearly the time limits, they have responded in a negative manner therefore you can send the LBA ;-)

[Dusary]

Take Stornoway's advice!!

 

He/she knows what they are talking about - believe me!

 

And stevokenevo's as well!

[chocolatte]

Wait for the 14 days as you have said that you will give them 14 days to accept unconditionally. Then send the LBA. They could have, unlikely, a rethink within the 14 days? Just keeps things all neat and you know you have complied and been reasonable.