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

[xpuser]

Well we are all behind you laddie. I have started against IF myself

 

Reading other threads, I feel they wil not offer you the 100% until you actually file your claim with the courts. Unfortunate, but its how IF (and other banks and CC companies) operate. They are hoping people will "chicken out" and not go through with filing their claim.

[laddie18]

I hope not, i hope that they will pay up as they did with Andromeda!

 

The 7 days are up tomorrow that i gave them when i rec'd my 50% offer. I will speak to someone tomorrow afternoon if i get a chance.

 

The story so far......

 

1st May:- Rec'd list of charges

2nd May:- Sent Prelim letter recorded delivery.

16th May:- Rec'd letter from IF, looking into complaint.

16th May:- Sent LBA

6th June: Rec'd letter offering 50%

6th June:- Letter saying thanks but no thanks sent to them. Gave them another 7 days to offer full amount.

[babynan]

I hope not, i hope that they will pay up as they did with Andromeda!

 

The 7 days are up tomorrow that i gave them when i rec'd my 50% offer. I will speak to someone tomorrow afternoon if i get a chance.

 

The story so far......

 

1st May:- Rec'd list of charges

2nd May:- Sent Prelim letter recorded delivery.

16th May:- Rec'd letter from IF, looking into complaint.

16th May:- Sent LBA

6th June: Rec'd letter offering 50%

6th June:- Letter saying thanks but no thanks sent to them. Gave them another 7 days to offer full amount.

 

Hi Laddie,

 

Hope that you do get something before having to file with the court. Our LBA is up on Thursday, and our rejection letter about the same time. Have spoken with IF, was a nice guy that we spoke with, they have acknowledged (via telephone) that they have the rejection letter, we have told them that we will not settle for less than the whole amount, and they said they will look into it and get back to us, so we have decided to allow a few extra days and will not file with the courts until towards the end of next week, but we will of course phone again in the meantime......................... will explain that if they are willing to settle we will not go to court and therefore would not claim court fees or our interest.

[laddie18]

Hi All,

 

Spoke to IF yesterday, they have told me that 'the matter' is being dealt with but would or could not tell me how.

 

Praying for a settlement......

 

One thing i have noticed recently when speaking to IF, is how much friendlier the staff seem to be! Anyone else noticed?

 

John

[laddie18]

Hi Folks,

 

Just had the best conversation with IF ever, they have sent out a resolution letter offering a full refund. Yipeeeeeeeeeee:D

 

Can i just thank everyone who has helped.... and offer a little bit of advice to anyone who is thinking about reclaiming their charges -

 

Please do it, i like everyone else was sceptical, nervous and worried but i have read and read until my head hurt. Followed the very simple advice on here and have just managed to claim nearly £3k back for the sake of 3 or 4 letters and a couple of telephone calls.

 

Please can a moderator move me to the won section, a donation will follow as soon as the cash hits the account.

 

Thanks

 

John

[andromeda411]

well done

IF crumble again.

 

enjoy the cash

 

 

 

 

 

best regards and well done!!!!

 

andromeda411

[laddie18]

Cheers Andromeda.

 

ALL WENT TO PLAN...

 

Just the HSBC to go now, i hope there as easy

[livelylad]

congratulations

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please donate so we can help others.

[xpuser]

Well done and congrats on the win.

 

Enjoy your money and spend it wisely!!!

[laddie18]

Hi All,

 

Just a quick update, i may have won but trying to get the money out of IF is something else.

 

They received my acceptance letter nearly 2 weeks ago but still no funds.

I called them first thing yesterday morning and was promised it would be in within 2 hours, they would even give me a call on my mobile just to let me know. I phoned back after 3 hours and was told that the lady who signs the refunds off was very busy and very very important and she had lots of meetings to go to and the funds would definately be in by 5 oclock.

 

I called back on the offchance at 4.45 and was told by someone else that it would not be today and there was no way that they could guarantee the funds being in the account by the end of the week. I was told that because it was such a large amount it had to go to authorisation from a higher level! I asked to speak to the person at the bottom of the letter offering the full refund (who had already authorised the payment!) and was told that this was impossible as they were too important to speak!!!

 

I am going to call back again this morning to see what sort a response i get today.....

 

Banks! don't you just love 'em

[moon1970]

Hi John

 

I have been watching your thread with interest and well done!

 

I now have my list of charges from IF but have got myself in a right twist on what I need to do next.

 

I think I understand that I now use the next letter, add up my charges etc. Did you add interest? Do I need to send a sheet detailing my charges? Did you use templates from this site?

 

Sorry for all these questions, it is just I dont know what I am doing!!!!

 

:?

 

Thanks

[laddie18]

Hi Moon,

 

Don't panic!!!

 

Add all of the charges up using the spreadsheet on this site. (I did not claim for any interest but was going to claim the 8% if it got to the court stage which thankfully it never!)

 

Write the Prelim Letter as per the template, i sent mine to the head office in Halifax. Within the 14 days you should recieve a letter saying that they are investigating your complaint etc.

 

You will then send your Letter before action and if it goes like it has been, you will recieve an offer for 50% as a good will gesture... do not accept this because within a few days of them getting your refusal letter, they will offer you the full amount.

 

(You will then have to wait an undisclosed amount of time for your money - this is where i am at the moment!)

 

If you have any problems, you can PM me or start your own thread, we will all help you in any way that we can.

 

 

John

[laddie18]

Please take back all of those nasty things that i have said about IF, i have just checked account and the money has gone in (at last) and has been back dated to the date that they recieved my acceptance letter.

 

HOOOORRRRAAYYYY

[xpuser]

Congrats on getting your money back!!!:D:D:D:D

 

They have just offered me 50% as well, so not too far behind you.

[laddie18]

Keep Going Xpuser --- watching with interest (no pun intended)