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Letter recieved Saturday
CarliJ
Posts: 112 Forumite
Just an update for you, I had a letter from the bank to say they would give me £700 for full and final settlement on the bank chages I brought up. Although it is actually the grand total of £2000 in the last 6 years! Now im in a quandry, do i take the £700 or go for the full amount? 
What do you all think?
CarliJ
What do you all think?
CarliJ
To quote my English Teacher:
Your life is like a path of driven snow, be careful how you tread for every mark will show.....
Your life is like a path of driven snow, be careful how you tread for every mark will show.....
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Comments
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oooh i would try for full amount-that's not even half of what they owe you!official dfw nerd club member no 214
Proud to be dealing with my debts!;)
Why is a person that handles your money called a broker?!0 -
Absolutely not!!!! Get more back...
L
xDebt 28/12/06 £26,467
£20 grocery challenge per week
Savings £400
£2 coins - £8.00
DMP £357 pcm (CCCs) commenced 1/10/06
DFD :think: proud to be dealing with my debts0 -
I would also go for the full amount - whcih bank is it - HSBC offered me less than 50% of my claim then they came back with the full amount about a week after my refusal.Lightbulb moment 10-06-06
Total debt £36,996.70 June 2006
Total debt approx £33,000 Oct 2006
Jan 07....to be worked out but may have gone up GULP :mad: :eek:
DFD March 2011
DFW Nerd 111
19 jan 23 feb 5 weeks:( - grocery challenge £2500 -
PONDSAVER wrote:I would also go for the full amount - whcih bank is it - HSBC offered me less than 50% of my claim then they came back with the full amount about a week after my refusal.
It is Haliax bank, and im a bit scared, as in the letter they said they could close my account aswell? I havent got a great credit history, so which bank could I go to if need be? Sorry to be a pain, ive just never done anything like this before!!!:rolleyes:To quote my English Teacher:
Your life is like a path of driven snow, be careful how you tread for every mark will show.....0 -
DON'T ACCEPT IT!!!
get all your money back
by them offering anything proves they have done wrong in the first place!
It took 2 1/2 months from my bank's piddly offer of £450 up to the day before court and they paid my full £1600
WELL WORTH IT - don't you think?
It's up to you - but nobody has failed to get their money back, it may take a while, but I'm chuffed with my result. I would have been gutted if i'd settled for their first offer.
Best of luck - I hope you hold out for the full amount
Ra*£2 Savers club started 30/09/06.... £I raided it
Random coin jar = £35.51
Owner of my own Educational Toy Business!
Story Sacks - Educational Posters - Puppets- Books - Games - and more!
Ideal for childminders, nurseries, parents and grandparents!
Over the Moon!0 -
you should be able to get a cashcard account at natwest or alliance and leicester and sum1 said the other day that lloyds tsb were very good when they were struggling to get a bank.CarliJ wrote:It is Haliax bank, and im a bit scared, as in the letter they said they could close my account aswell? I havent got a great credit history, so which bank could I go to if need be? Sorry to be a pain, ive just never done anything like this before!!!:rolleyes:official dfw nerd club member no 214
Proud to be dealing with my debts!;)
Why is a person that handles your money called a broker?!0 -
hi carli
Absolutely don't take the £700.00 - check out the following for accounts avoid one that's linked to the halifax or bank oof Scotland.. Nationwide have done me wonders you'll get the money ! don't take the soft option that's what they are hoping for ..I'll try and find my list and post it here later..Lightbulb Moment - March 2004
Highest Debt: £16,896.00 :mad:
:rotfl: Debt Free Date 25th July 2007 !!
:j and still DEBT FREE0 -
Lightbulb Moment - March 2004
Highest Debt: £16,896.00 :mad:
:rotfl: Debt Free Date 25th July 2007 !!
:j and still DEBT FREE0 -
Right then, ive decided to try and get an account with Natwest. I finish early on Friday afternoons, so will go in armed with my ID and bills etc! Im going to go for the whole amount from the Halifax, If everyone else has been able to do it I dont see why i cant! So what i need know is what do next????
Do I need to send them another letter telling them I am not excepting the offer? Has anyone got a letter template to send off?
Carli JTo quote my English Teacher:
Your life is like a path of driven snow, be careful how you tread for every mark will show.....0 -
CarliJ wrote:Just an update for you, I had a letter from the bank to say they would give me £700 for full and final settlement on the bank chages I brought up. Although it is actually the grand total of £2000 in the last 6 years! Now im in a quandry, do i take the £700 or go for the full amount?
What do you all think?
CarliJ
Absolutely not - have a look at similar threads - if you go for it you are most likely going to get all of YOUR money back - why accept 35% - the Bank wouldn't if it were the other way round.:beer: :mad: :beer:I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.
HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7
DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS0
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