Declining your complaint - Halifax ***WON***

[Tilgob]

I've been checking FAQs and threads since receiving response tonight, some very similar, but my decline letter (quotes below) seems to be more off putting and gives several reasons to stop (but guess that' the idea)

 

First post, sorry if it's a bit long winded - is it really just a ploy and I should carry-on regardless with LBA:confused:

 

 

"Carried out investigation....charges have been correctly applied to your account"

 

"when you opened your account, you agreed to our t&cs which explained that charges would be applied if you did not keep to terms of the account..... This information formed part of your agreement with us and we have applied them strictly according to the terms agreed"

 

"we apply these charges because when customers have insufficient funds in their account to cover a payment.....this means additional work for us. As a result we feel it is reasonable to charge for this service"

 

"you have asked us to explain how we calculate thes amount of charges....this is commercially sensitive....cannot provide this information"

 

"You referred to the guidelines on credit card default charges issued by he OFT. As the guidelines do not apply to bank account charges, I cannot comment in connection with your concerns. The guidelines are about default charges which people must pay when they break the terms of a credit agreement with the lender. The charges that you are asking us to refund are our fees for the additional work that we carry out when a customer requests a payment without sufficient funds in their account"

 

"If unhappy can refer my concerns to Financial Ombudsman Service (FOS)"

[sea-sidelady]

Yes carry on regardless...

[moneyhelp]

Have a look here http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

And welcome to the mad house!

[Mr mmmm]

Standard response letter...go for it !!!

[kennythecelt]

I've got one too. Wear it as a sort of badge- only kidding.

 

Should not be too long before you don't need it- keep going.

 

Remember and don't settle anything unless you have it in writing.

[Tilgob]

thanks for all the support, just needed that little extra push. I'll send LBA today.

[Tilgob]

No response to LBA, so guess it's time to send N1

 

I appreciate the 8% Interest under s.69 County Courts Act 1984 is calculated within spreadsheet.

 

But I'm unsure how to calculate "overdraft interest" or whether I need to claim this. How is it calculated?

[Tilgob]

How is overdraft interest calculated?

[Tilgob]

Like many others I've now recieved my gesture of goodwill letter from the Halifax, in which they offer only half the amount claimed. I was given a direct telephone number and got though staightaway to the Customer Relations guy, who was pleasant but firm and stressed the charges were fair, reasonable and applied correclty, but to avoid any futher inconvenience and as they value our relationship they were prepared to refund the full amount of charges incurred (double their goodwill gesture figure). I've actually declined this offer, based on if I pursue through the court I'm entitle to 8% interest - but am I right?

[sea-sidelady]

If they have offered you the full amount you have asked for then you should accept it as you have won!

 

You cant claim the 8% until you get to the court stage, and it wont look good in court if they know you have been offered the full amount you asked for and turned it down.

[Tilgob]

Thanks to Sea-SideLady, I've now reconsidered the offer and accepted the full amount in settlement of my claim against Halifax.

 

That's another success

 

Thanks to everyone for the advice

[sea-sidelady]

CONGRATULATIONS..!!!!

 

Glad to see another win. Well done. :D

 

Do you have any others to go after??

 

Dont forget to do the survey

http://www.consumeractiongroup.co.uk/survey.php

 

And maybe a donation..???

[sammy_b]

Hi, this is my first post although I have been reading the threads & updates regularly on the site.

I have recieved my gesture of goodwill letter from the Halifax offering half the amount I claimed. However, they state 'Thank you for confirming acceptance of our offer', I have not accepted anything. They then state 'I am pleased to enclose a cheque for this amount in full & final settlement of your complaint', but there was not a cheque enclose with the letter??? I then recived a second letter exactly the same as the first offer letter, but this time a cheque was enclosed. Now this is the best bit, the cheque had not been signed...helloooo. My local branch, who by the way had closed my account 6 months ago without informing me, said he as the branch manager had no authority to sign the cheque. I would have to send it back to the head office who issued the payment, who would then send a replacement. I now am very confused as to which letter to send when I return the cheque and decline the offer. I almost, due to personal circumstances accepted the offer, had the cheque been signed I would have done just that.

What next???? HELP:confused:

[sea-sidelady]

Hiya Sammy,

 

You need to start your own thread so you can get any help you need, as its easy to get lost in someone elses thread.

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=9

 

You need to send the rejection letter, tear the cheque in half and return it.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Letter 3.

 

You dont need to accept this, they will pay up.

Im not sure how far into your claim you are.

I look forward to seeing your thread.

[Dusary]

!!!! Congratulations !!!!

[Tilgob]

Many thanks, this is a great site.

 

I've completed the survey and made a donation

[Tilgob]

And now I'll start my husbands claim