HBOS aka Halifax Bank of Scotland

Ashelee

a week ahead of me then.. will have to keep an eye on your timings he he

2k i alot to turn down but if you can afford to wait for the extra its moe than worth it.. mines going to pay for my wedding next year so im hanging on for everything. The offer was too small to make much of an impact!

shocking about the credit card thing.. and i think you could be right about it being more than a coincidence. my credit cards with another company (Cap 1) who funnily enough have also had a MCOL issued! HSBC were nowhere near the hassle these two are turning into..

Oh well never mind.. it ll all end.... one day!

Ash

mullan81

Halifax have credited my account with £1043...but i'm claiming £2303, i haven't recieved any notice in the post....i want at least 75% so wat do i do now?? thanx xx

Twinkly

mullan81 wrote: »

Halifax have credited my account with £1043...but i'm claiming £2303, i haven't recieved any notice in the post....i want at least 75% so wat do i do now?? thanx xx

You can write and reject the offer entirely requesting it be removed rom your account or write and accept it as part settlement without prejudice and advise you will now continue to reclaim the remainder in court. The money can help finance the cost of your claim

Casadeora

Twinkly wrote: »

You can write and reject the offer entirely requesting it be removed rom your account or write and accept it as part settlement without prejudice and advise you will now continue to reclaim the remainder in court. The money can help finance the cost of your claim

Question along the same lines i guess...which many other might face...
Given the Halifax 14days letter with notice of court....and last day (today) received the following: (am claiming back £2792.44 inc interest)

As previously explained when you opened the account, you agreed to terms etc etc..... I have reviewed your account and am satisfied that the charges were applied correctly. HOWEVER, we do value our relatinship so am pleased to offer a payment of £1273.50 to be made to you. PLEASE NOTE THAT THIS DOES NOT MEAN THAT WE BELIEVE WE ARE UNDER ANY OBLIGATIN TO DO SO. This offer is a goodwill gesture and is in full and final settlement of your complaint. To accept dont do anything else....If you dont wish to accept please return this payment and contact me on the above number.....

SUGGESTIONS PLEASE>>>> THEY TOOK THE MONEY >> I WANT IT BACK!
Is it bargaining time...what's the best angle to use.....
Could i accept this offer, and then write to them thanking me for it....but only on the instigation of legal proceedings for the remaining...or should i make the call today to ensure clarity before it falls over completely.

Casadeora

Update: 10-15am
SUGGESTIONS PLEASE>>>> THEY TOOK THE MONEY >> I WANT IT BACK!
Is it bargaining time...what's the best angle to use.....
Could i accept this offer, and then write to them thanking me for it....but only on the instigation of legal proceedings for the remaining...or should i make the call today to ensure clarity before it falls over completely.

Update: Rang, they upped their offer immediately to £1910.00 I declined this, and they said that this was their final offer. I thanked them very kindly, asked if they could increase...NO chance...so i said thank you, and what is the next step. They suggested the FOS, i said i would think about that, but would be instigating court proceedings MONDAY....(thought it might shake it a little) but no...she said CHEERIO!
OK COURT AND FOS on its way then.

GOOD LUCK!

catoxley

Same here MCOL 2 days ago am claiming 1425.00 and halifax hav.nt offered me anything its wierd how different their views are with different people some are offered 75% others getting full amount but they wouldnt even discuss refunds with me.

Casadeora

catoxley wrote: »

Same here MCOL 2 days ago am claiming 1425.00 and halifax hav.nt offered me anything its wierd how different their views are with different people some are offered 75% others getting full amount but they wouldnt even discuss refunds with me.

Am going to try the 01977627422 number
suggest not happy with the lady that is spoke to, and want to try and get this sorted out on the phone........

Will Come back with update

14:34 Update: Rang again TWICE
1st attempt - not moving etc
2nd attempt - nice chap told me that another letter coming out with the new offer on....but couldnt reveal the content....( I KNOW WHAT THE AMOUNT IS AND I AM NOT HAPPY), wanted to get it sorted...there on the phone, and save the bank time and money...NOPE not listening. wait for the offer to come out....then call us back....i suggested that this appears to be a stalling tactic...wonder why....NO COMMENT MADE......LOL

GRRRRR!

jaynemealing

Casadeora wrote: »

Am going to try the 01977627422 number
suggest not happy with the lady that is spoke to, and want to try and get this sorted out on the phone........

Will Come back with update

14:34 Update: Rang again TWICE
1st attempt - not moving etc
2nd attempt - nice chap told me that another letter coming out with the new offer on....but couldnt reveal the content....( I KNOW WHAT THE AMOUNT IS AND I AM NOT HAPPY), wanted to get it sorted...there on the phone, and save the bank time and money...NOPE not listening. wait for the offer to come out....then call us back....i suggested that this appears to be a stalling tactic...wonder why....NO COMMENT MADE......LOL

GRRRRR!

Hey guys
I did court MCOL thingy on 25th June - Halifax said they would defend 16th July. GOT LETTER TODAY SAYING WHOLE AMOUNT GOING INTO MY BANK WITHIN 5 WORKING DAYS!!! This is my first contact with them for months! I am totally shocked £2,143.00 charges plus £534.39 interest plus £120 court costs - total £2,797.39 - Yippee!!!! I didn't bother phoning them because I was fobbed off with "the charges are lawful" before I did the court thing.Dont give up - we all seem to be treated different for some reason but this site works.

jaynemealing

:beer::money:

jaynemealing wrote: »

Hey guys
I did court MCOL thingy on 25th June - Halifax said they would defend 16th July. GOT LETTER TODAY SAYING WHOLE AMOUNT GOING INTO MY BANK WITHIN 5 WORKING DAYS!!! This is my first contact with them for months! I am totally shocked £2,143.00 charges plus £534.39 interest plus £120 court costs - total £2,797.39 - Yippee!!!! I didn't bother phoning them because I was fobbed off with "the charges are lawful" before I did the court thing.Dont give up - we all seem to be treated different for some reason but this site works.

:rotfl:A great big thankyou to Martin Lewis and this website..

delboy_2-2

Received reply from HBOS dated 14/05/07 after sending them a letter and £10 cheque on the 24/03/07 which they returned cancelled by their customer relations dept.stating they are please to confirm the information i requested has now been ordered.Once these documents are ready they will be sent directly to me.Does this mean they have another 40 day period in which to reply to my original request for my bank statements?:mad: :mad: :mad: :mad: :mad: