michelle v's halifax

[michellemeenan]

hello

 

Sent my prelim. letter to halifax recorded....will sit tight to hear from them!!! ( am also going after ulster bank)

 

 

 

 

 

 

Halifax....£852.00 sent prelim 06/09/06

[callumsgran]

Good luck Michelle!

[michellemeenan]

hi everyone

 

Received letter today from my own halifax branch... "charge complaint"...transferred to Constomer Regulations will be in touch in due course!

 

sented prelm.letter on 6th sept to my own branch and head office( no reply from them) have until 20th sept to reply..

 

have read on a couple of thread people have asked for payment to be made by cheque can you request this in your LBA???

[mechs]

Yes its up to you how you want to be paid, but if you owe them money they also have the right to offset the, the charges to repay what you owe them

[michellemeenan]

Received gesture of goodwill letter today 22/9 ... Am about to post LBA letter..do I have to send refusal letter for goodwill 1st.

 

Since Prelim letter I was charged antoher £97 can I add this to LBA or do I have to wait for the next stage (court)..

hope this makes sence??

michelle

 

Prelmi sent 6/9/06 ....£852

Received Goodwill offer £392.00 22/9

LBA

[Tinkerbelle]

You can conitnue to add charges up until you file your claim.

 

There is a template letter in the library about goodwill offers.

 

Good Luck!

[michellemeenan]

thanks tinkerbell

 

abit confessed??

 

Read refusals letter .. LBA seem to be sent before offer came...

how should I word my next letter

Should I return unsigned acceptance with LBA and mention I will accept as 1st insalement???

Or send rejection letter, and tell them that they will be receiving LBA.????

 

want to post them in morning??

 

michelle

[Michael Browne]

Merely delete the first sentence of the LBA and substitute this from the rejection letter:

 

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer of settlement. I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder,

[michellemeenan]

quick update on progress!

 

sent Prelim letter ,got reply with goodwill gesture offered... sent letter back(RD), declined this offer at the same time I sent LBA(SD) response from halifax..

QUOTE

"As a gesture of goodwill I offered to refun six months worth of charges, which you declined. Halifax does have to recover costs(did someone forget to add "not" here) and I would confirm therefore, that we will not refund all the charges your have incurred over the last six years/since opening your account. If your still not happy contact FOS" bah bah bah.!!!!

 

Should I take this letter as reply to "gesture" and await reply to LBA.. or do you think this one covers both my letters???

I sent me letters to leeds this one came back from Brimingham!

 

michelle

timelimit up on 10/10/06

[callumsgran]

You probably wont get another response so start your claim on the 10th as per your timetable ok?

[jonni2bad]

4 threads merged. Please do not start new threads for each query or update...

[michellemeenan]

sorry.... jonni2bad for upsetting the apple cart!

[michellemeenan]

knew there was a question I was meent to ask in that last thread,

 

sent court claim away... but since that halifax has slapped on another £58.00 in charges...can I claim these and how???

 

michelle

[Michael Browne]

Not with this claim unless you amend it for £35 (unreclaimable)