Zaramoon Vs Halifax

[Zaramoon]

I have registered with the site a couple of months ago and after reading through various blogs, threads and suscess stories I decided to go for it myself.

 

1 I have sent my request for statements off to the bank. 40 days past but they still hadn't replied or sent the statement. I went into my local branch and spoke to the manager about the problem. She was very understanding and rang through to HQ. She ensured that my break down list of charges was with me the following day

 

2 I sent my prelimanary letter requesting for a grand total of charges to be sent/ This amounted to £2700 (£3000 including 8% interest). They replied with a letter stating the charges were lawful.

 

3 I sent them the LBA letter which, they have replied to by offering me a payment of £1,371. It states that these funds will be put into my account within 14 days. If I'm not happy to accept this then call a number or the ombudsman.

 

At this stage I don't know what to do. I don't want to accept the offer as I want a full refund. Do I call them on the phone or proceed with court action?

 

 

Please can someone advise me on what to do now??

 

I am fully aware that this site is run on donations and I will be making one when or if I recieve my charges.

[Dusary]

It's fine!

 

Go here:

 

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

 

Today I am £7,500 better off - and there's a LOT LOT more to come!

See here:

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland.html?highlight=dusary+v+hbos

 

You did the correct thing, reading around!

 

You are about to become another WINNER!

[Dusary]

I am fully aware that this site is run on donations and I will be making one when or if I recieve my charges.

 

Sounds like Bribery to me!

 

You are as bad as the banks!

[sea-sidelady]

Hiya Zara,

 

Glad to see you made it.

 

you now need to send the rejection letter Dusary has given.

 

Chose the letter most suitable for you. And carry on with your claim.

You will be due to file at court soon, so have a read of this.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Any help you need, just add on to this thread and we will help as you go along.

[Zaramoon]

Thanks for the advice, I'll have a read of the information and send my rejection letter.

 

I keep you updated.

 

Cheers

[Dusary]

Good on you!

[Zaramoon]

I'm a little confused with the wording on my letter I recieved offering me a settlement figure. It states that should I accept this offer then it will be a full and final settlement. However it states that if I don't wish to accept it then I should call them on the phone.

 

I have read that I should steer away from verbal communication and stick to letters. Is this advice correct.

 

Also if I do stick to the letter form of communication should I send letter 3 or letter 4, giving that they have still left it an option for discussion open.

 

Dusary You will be please to hear that I will donate some money now and then more on completion of my charges being returned.

[Dusary]

I'm a little confused with the wording on my letter I recieved offering me a settlement figure. It states that should I accept this offer then it will be a full and final settlement.

 

Yup - that's the standard issue letter.

(By the way - was that letter signed by a real person?)

 

However it states that if I don't wish to accept it then I should call them on the phone.

 

You don't have if you don't want to.

 

Just fire off the Rejection Letter.

 

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

 

I have read that I should steer away from verbal communication and stick to letters. Is this advice correct.

 

Possibly - but others have successfully negotiated full payment over the phone. I'm kinda' at the same stage as you. I received £7.5k back into my account (seems to me that it's around the 50% mark of my claim) - excepting that I haven't yet received ALL my statements for one of the main accounts.

 

Also if I do stick to the letter form of communication should I send letter 3 or letter 4, giving that they have still left it an option for discussion open.

 

I'm of the opinion that it should be letter 1 or 2 (It's up to you). Though I do accept that you are not closing in the door in their faces!!!!! I sent off my Rejection letter yesterday - so we'll see what happens next. I might let them stew for 7 days before - MAYBE - calling Mr Chris Thornton who actually DID put pen to paper and signed the "Full and Final" Letter.

 

But - whatever - you are a WINNER!

 

Dusary You will be please to hear that I will donate some money now and then more on completion of my charges being returned.

 

It's a great feeling being able to do that by way of a big THANK YOU to everyone who has been down this road before us - and for those who will follow on.

 

Goodness knows how much it costs to keep this EXCELLENT website going!

[Zaramoon]

My letter is signed by hand. It is from a Jacqueline McFarlane, Customer Relations manager.

 

Thanks very much for further info.

 

I'll have a read of the rejection letters again and see which one suits my situation best.

 

Which banks are you claiming from?

 

Cheers:D

[overflow]

Hi Zaramoon

 

Ive had an offer as well for only half . Ive already filed in court so I sent a Rejection letter yesterday,.

 

Didnt stop them from putting money in my bank today though. I rang and now am just waiting for another letter off them.

 

I dont think they know what the hell they are doing half of the time.

Just stick to your guns and follow the advice of people on here. Lots of people will help , and the more you read the more you learn.

 

Good luck and keep us all posted.

[Dusary]

Which banks are you claiming from?

 

 

HBOSplc (for formerly BOS accounts).

 

I haven't even started on Abbey, yet!

[Zaramoon]

I'm claiming from HALIFAX, Bank of Scotland.

Was the claim form easy to complete and did you just fill it in on the internet?

Did you fill in the N1 form that they talk about jusifying your charges. Some say it is a must and others don't what did you do.

How did you find filling the particulars out?

[**Tilly**]

here you go have a look at these

http://www.hmcourts-service.gov.uk/c.../n149_1105.pdf

 

 

Example Step-By-Step Instructions

[jontah 2006]

do it online.very easy.

[Zaramoon]

I filed for court 2 days after the test case results were announced. Not sure if this was wise or not. It cost me £120, hope this will be worth it. Halifax sent me another letter giving me a second chance to accept the payment as a full and final settlement, I had already rejected the offer. I'm still thinking, what is the likely hood of the test case going in favor of the banks. Should I take the half payment now while it is guaranteed or not, continue for what is mine.

:-|

I would appreciate of some of you could give me some words of encouragement which way to go, and some reasons to back it up.

[jontah 2006]

BUMPask the mods, they ARE advising on these issues.

[sea-sidelady]

You have done the right thing filing.

 

This letter seems to be a new one they are sending out, they seem to be hoping people will settle for a silly amount.

 

You are doing fine. It is up to the court now.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/107584-oft-test-case-what.html

[sea-sidelady]

Would you be able to post a copy of your letter onto this thread...

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/109306-have-you-received-letter.html

 

Thankyou.

[Zaramoon]

I'll have a go at posting a letter. Is there anyspecific way of doing it. I'm not to good on computers.

 

I have paid £120 for court so I may as well stick it out. I have nothing now so I'll wait for the full or nothing. Lets hope I get the full.

[jontah 2006]

Yup - that's the standard issue letter.

(By the way - was that letter signed by a real person?)

 

 

 

You don't have if you don't want to.

 

Just fire off the Rejection Letter.

 

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

 

 

 

Possibly - but others have successfully negotiated full payment over the phone. I'm kinda' at the same stage as you. I received £7.5k back into my account (seems to me that it's around the 50% mark of my claim) - excepting that I haven't yet received ALL my statements for one of the main accounts.

 

 

 

I'm of the opinion that it should be letter 1 or 2 (It's up to you). Though I do accept that you are not closing in the door in their faces!!!!! I sent off my Rejection letter yesterday - so we'll see what happens next. I might let them stew for 7 days before - MAYBE - calling Mr Chris Thornton who actually DID put pen to paper and signed the "Full and Final" Letter.

 

But - whatever - you are a WINNER!

 

 

 

It's a great feeling being able to do that by way of a big THANK YOU to everyone who has been down this road before us - and for those who will follow on.

 

Goodness knows how much it costs to keep this EXCELLENT website going!

 

 

 

kindly check your holiday dates.

 

 

 

you should still be here, you know!!!!:o 8)