Laddie18 Vs not IF but when.....***won***

[laddie18]

Just received my bank charges through the post today. Just to let everyone know, i rang IF on the standard number and asked for the information over the phone - they duly sent it within 2 weeks and with no charge... very nice of them!

 

The charges come to £2859. i think i am in correct in saying that i now send the prelimary letter by recorded / registered post?

 

Does anyone fancy holding my hand thru this so that i do not get things wrong? Would really appreciate it.

 

Thanks in advance

 

John

[laddie18]

I wonder if someone can please tell me which address to put on the prelim letter.. either Intelligent Finance in Scotland or Intelligent Finance part of Halifax addressed to Halifax

 

Cheers

 

John

[andromeda411]

hi

 

i too am chasing IF and i have been using the following address

 

Intelligent Finance

Trinity Road

Halifax

HX1 2RG

 

they have just received my LBA yesterday so the next stage for me is to go to court.

 

good luck

 

andromeda411:)

[laddie18]

Thanks Andromeda,

 

Perhaps we can work thru this together as i am a little nervous?

 

John

[laddie18]

Well that is the Prelim letter sent (recorded delivery of course),,,

 

Roll on 14 days for LBA, jusr preparing it now.

[laddie18]

The Bl@@dy post office have lost my recorded letter, its a pity we dont have a website that helps us claim against them!

 

Prelim being resent today by special delivery, see if that works!!

[andromeda411]

the post office seem to be losing lots of things these days. i lost a couple of recorded letter so i have started paying the extra and sending special delivery. have you checked the post office website for track and trace as this is not updated sometimes. i would get in touch with IF and double check.

 

maybe the banks are now working in collusion with the post office to accidentally lose the items????

 

 

regards

 

andromeda411

[laddie18]

Resent Prelim letter on Friday, rec'd by Halifax on Saturday morning!

Let the countdown begin 14 days...

[laddie18]

Just recieved standard letter form IF dated 2nd May so they must have recieved by initail request.

 

Time to send off the LBA me thinks!!

[laddie18]

Just read through the letter that they have sent me.

The letter is dated 14th May.

 

It starts by thanking me for my letter dated 02.05.07....

 

Then on the next page titled OUR PROMISE TO YOU...

It states that they will try to resolve the matter within 48 hours of recieving the complanit, if they are unable to do so, they will acknowledge within 5 days with a letter...

 

I wonder how it has taken them 12 days???

[laddie18]

Very quiet in here........

 

LBA just been sent today as 14 days are up.

Lets hope the Post Office can deliver this one without any problems!

 

Anyone else at the same stage as me? could do with a buddy!

 

Thanks

 

John

[laddie18]

Does anyone have any Terms and conditions hidden away in a draw from 2001?

Reading the Lloyds case this may or may not be important for the court bundle (which hopefully we will not need!)

[babynan]

Does anyone have any Terms and conditions hidden away in a draw from 2001?

Reading the Lloyds case this may or may not be important for the court bundle (which hopefully we will not need!)

 

HI, I am helping my son with his claims against IF (one on current account and the other for the credit card) he is getting ready to file these claimss with the court so I think that we are at about the same stage as you. I will ask my son if he has a copy of these terms and conditions as we will also need them. I cannot contact him until Monday though, I will let you know if he has these and if so I will send a copy to you.

If not then we are in the same boat as you and would like to get a copy if anyone else does have one.

 

Good luck:)

[pete16]

Hi.

 

I have been an IF customer for about a year and have an overdraught allowance of £100 on my current account that seems normal for their customers. I unintentionally overspent and it went to £105 for one day. They sent me a letter telling me they are charging me £28 for going over the agreed limit.

 

I know it's nothing like the charges detailed on this thread, but can I do anything about that? I am afraid to complain in case they close my account, but as soon as I realised I gone over (checking my balance at an ATM the day after it happened) I immediately paid cash to the nearest Halifax branch - it was over the limit for less than a full 24 hours, yet they still sent me a letter dated after I had funded the account.

 

They did nothing - no bounced cheques, or returned direct debits, just sent me one letter after the account was back in credit (I made a deposit that also covered the agreed overdraught) and charged me £28. Are they not allowed only to charge the real costs to them?

 

Regards,

 

Peter

[laddie18]

Hi Peter,

 

I would first try ringing them and explaining the situation, they may give you back the mnoey as 'a gesture of goodwill'.

 

I think it depends on who you get on the phone with IF, some are really nice and some are right b@@&ards

 

John

[moon1970]

Hi

 

Sorry to jump on the band wagon here!!

 

I read your post and rang IF direct on the normal number (like you say) and they said they would post out the details, no charge!

 

She did say it may take up to 40 days but it will normaly arrive withing 14, so I will watch this space.

 

Not sure if they are sending me statements or a list of charges but we will see.

 

Good Luck with yours

 

 

:o

[laddie18]

Hi Moon,

 

Everyone welcome here, it gets a bit lonely in the Intelligent Finance section sometimes.

 

I got my list of charges, not statements, sent through FOC. i have used these as the basis of my claim.

 

Thanks

 

John

[laddie18]

Just spoke to Morag in customer relations 0845 605 0625 who has confirmed receipt of my LBA.

 

She told me that they now have 4 weeks to investigate the claim and a further 4 weeks to sort out what they are going to do about it. i told her that as it was me calling the shots, they would hear something from me when the 14 days were up as per the LBA.

 

John (getting nervous now!!!!)

[laddie18]

Just spoke to IF whilst sat at work, who have confirmed that a resolution letter was sent yesterday...

 

Cannot wait to see what it says....

[andromeda411]

hi laddie,

 

if is anything like my resolution letter they will be offering you 50% of what you have claimed. use IF messaging on their site to reject it and send letter aswell and they will cave in like they did with me.

 

regards and good luck

 

andromeda411:)

[laddie18]

Hi Andromeda,

 

You mean the messaging feature on the IF website?

 

How long did it take from rejection to them offering you the full amount?

 

Cheers

 

John

[andromeda411]

hey,

 

yep in the contact us section of the if website. i copied and pasted my rejection letter in to the message area and sent that. you also get a reply saying it has been delivered. then i went to post office and sent letter.

 

it took them about 3-4 days.

 

regards

 

craig

[babynan]

hi laddie,

 

if is anything like my resolution letter they will be offering you 50% of what you have claimed. use IF messaging on their site to reject it and send letter aswell and they will cave in like they did with me.

 

regards and good luck

 

andromeda411:)

 

Yes ours was offering 50% as well, have sent rejection letter:razz:

[laddie18]

How did you reply in Rejection letter.

 

My timescale is up on LBA and i was going to file on Friday as i finish work early.

 

I want to accept the offer as a part settlement

 

John

[laddie18]

Sorry should have said, they did offer 50% same as Andromeda & Babynan.

 

I have sent rejection letter by email and will send recorded delivery in the morning.

As my LBA time was up and i should have sent the court claim in, i have given them another 7 days to respond to my rejection letter. I just hope i have done the right thing. £1400 + is an awful lot of money....