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Halifax/BofScotland Insider Hints

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  • leegti
    leegti Posts: 3 Newbie
    sofistikate wrote: »
    Ring them and negotiate. they really dont expect many people to accept the silly first offer anyway. Just stick to your guns!!!

    good luck



    will do monday morning :)
  • daisy_doughnut_2
    daisy_doughnut_2 Posts: 354 Forumite
    hi there all

    bit confused at this thread
    ive just recieved the letter saying that they think that there charges are fair blah blah
    so now i know im supposed to write them saying to reconcider within 14 days or a go to the SCC or the ombudsman
    but from reading here am i right in thinking it would be easier to call an ask them to reconcider rather than wright
    an then they give me 8 week dead line but im most likely to hear sooner from reding some posts

    or have i got it all wrong..lol

    thanks
  • night3uk
    night3uk Posts: 11 Forumite
    Hello everyone

    I was wondering if someone can help with this one!!

    I sent a letter to the BOS in the middle of march and got a reply saying that it will take 8 weeks for my complaint so i gave them 3 weeks and sent my letter saying I will be taking them to court.

    But when I cam round to applying for the court I never had any money to do it so I read on this site that they normally pay up after the 8 weeks so I said I will give them the 8 weeks.

    anyway to cut a long story short the 8 weeks are up and I got a letter this morning telling me that they where satisfied that the charges on my account where correctly applied and they say if i am not happy (what I am not) I should got to the ombudsman with my complaint is this the best place to go now?

    or should I give them a phone and tell them i am not happy with this reply and see what they say?

    also can you please tell me if this is a standard letter?

    thanks
  • Andrew24620
    Andrew24620 Posts: 32 Forumite
    Don't let HBOS get away with the "we have a further 8 weeks from the re-evaluation".

    The complaints process that FSA registrered firms must adhere to is very clear. They have 8 weeks from receipt of a complaint to issuing a final response OR giving you rights to the Financial Ombudsman Service.

    If HBOS are saying they've a further 8 weeks from re-evaluation request you must challenge them and say you'll go to the FOS based on the date HBOS said they received the original complaint.

    ....14 June is D-day for me.... then I decide whether its; MCOL or FOS....nearly £7000 at stake too!
  • Andrew24620
    Andrew24620 Posts: 32 Forumite
    night3uk wrote: »
    Hello everyone

    I was wondering if someone can help with this one!!

    I sent a letter to the BOS in the middle of march and got a reply saying that it will take 8 weeks for my complaint so i gave them 3 weeks and sent my letter saying I will be taking them to court.

    But when I cam round to applying for the court I never had any money to do it so I read on this site that they normally pay up after the 8 weeks so I said I will give them the 8 weeks.

    anyway to cut a long story short the 8 weeks are up and I got a letter this morning telling me that they where satisfied that the charges on my account where correctly applied and they say if i am not happy (what I am not) I should got to the ombudsman with my complaint is this the best place to go now?

    or should I give them a phone and tell them i am not happy with this reply and see what they say?

    also can you please tell me if this is a standard letter?

    thanks

    Ring them up on the number shown on the refusal letter and tell them you are unhappy at their decision and ask them to review it.
  • barnishroader
    barnishroader Posts: 420 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    barryheffron wrote: »
    i have tried ringing this number but get the message that the person on the other end has hung up!!!

    got through there and the guy seemed willing to help but he said that my reevaluation was in the system but there was no way of telling me how long it would take to get an answer as there are so many claims and that i should maybe leave it a week or 2!

    my initial claim was at the end of April and my letter threatening court action was received by them on 13th May so i was hoping that it would have been sorted by now.
    He did say to me that if i wanted to take things further then by all means i could if i found the timescale unacceptable but i was hoping to not have to go down that route as i am only looking for approx £400 for this account.
  • night3uk
    night3uk Posts: 11 Forumite
    Andrew24620 wrote: »
    Ring them up on the number shown on the refusal letter and tell them you are unhappy at their decision and ask them to review it.

    thanks I gave them a phone this morning and they are reviewing it and they will get back to me within two weeks with a offer they say so fingers crossed

    thanks again

    night3uk:beer:
  • CazMc_3
    CazMc_3 Posts: 36 Forumite
    Hey,

    I asked for my claim to be re-assessed on the 31st May so I phoned again this morning just to check how it was coming along as they had told me it will be 2-3 weeks. The 2 weeks is up on Thursday so fingers crossed I hear something.............although I keep thinking that if that is they were going to offer me anything they would just do it over the phone?!

    It't kind of hard staying positive!!

    Caz
  • Naughty_shorty
    Naughty_shorty Posts: 6 Forumite
    Hello

    After reading the above posts - I am now concerned that I didn't call the number before sending the 3rd letter explaining how I wasn't not satisfied with the decision and that I would be taking the next stage but offered to accept a lower offer (saving them £1500) within the 14 days.

    The 14 days have past - last week...(5th June)

    Can anyone suggest what I should do????????

    Very concerned.

    Jo
  • sarahmoon_2
    sarahmoon_2 Posts: 522 Forumite
    CazMc wrote: »
    Hey,

    I asked for my claim to be re-assessed on the 31st May so I phoned again this morning just to check how it was coming along as they had told me it will be 2-3 weeks. The 2 weeks is up on Thursday so fingers crossed I hear something.............although I keep thinking that if that is they were going to offer me anything they would just do it over the phone?!

    It't kind of hard staying positive!!

    Caz

    Caz I phoned around the same time as you and telephoned today. They told me that I would hear by the 17th June.
    They took my signature away!!!! :confused:
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