Help! Bank has made a sly offer!

catt_2

I have claimed a full refund of default charges and interest based on Martin's formula. The Halifax bank has made a higher second offer and credited my account by that amount, stating that they assume acceptance unless they hear from me in 14 days. :mad:

The amount is short of what I am claiming. I also complained about them losing 6 years of statements in the post and they have not addressed this issue.

I am furious with the Halifax.
I claimed last summer and also from Goldfish, who paid up within weeks.

I am minded to write saying there remains a shortfall and I will issue a Summons for the balance. Wasn't there a lawyer who brought his own claim last week because there was a shorfall on interest calculated?

There's only about another £25 at stake plus an apology and explanation for losing my statements when I only asked for a list of default charges.

What do you think? Anyone had a similar experience?

MissX

how did you get them to make a second offer?

my bank wrote back to me offering my charges without the interest. its only a case of £150 give or take, but I want more money!

what should i do, what did u do ?

catt_2

The first offer they got themselves all muddled about a goodwill gesture for losing my statements in the post. I rejected it as ludicrous.

If you want interest on your money they took off you, you must ask for it. See Martin's sample letters.

missc_3

by reading on threads on here seems halifax can be flexible - they try to give you lower offer (obviously they'll gain with those people who accept it) but if you ring them up and say you dont accept it they normally seem to ask you what you would accept - and when you tell them (giving full amount) it seems people have sucess with it and they pay that amount - i'd say worth a try and to ring them

MissX

I did ask 4 it and they said it wasn't appropriate to pay it. And someone said yesterday that only the courts will get you back the interest. I dont know wheather to accept it or to ask again or to take it straight to court.

missc_3

i'd accept it if its for the amount they took off you and its only the interest there not paying. Otherwise you have to go through the court procedure which can take a couple of months and is it worth hassle? and stress?

im sure if they offer you the amoutn you requested minus the interest your expected to accept (dont quote me on this though)

Edinburghlass_2

MissX wrote: »

I did ask 4 it and they said it wasn't appropriate to pay it. And someone said yesterday that only the courts will get you back the interest. I dont know wheather to accept it or to ask again or to take it straight to court.

If you take the claim to court you must then justify why you didn't accept the banks offer of your full claim as the interest is only awarded by the court.

catt_2

I have just drafted a letter, stating why I don't accept the offer and what amount I want. This is primarily because they got muddled about the goodwill payment for losing my statements and the refund for bank charges.

I think it's better to write than phone.

MissX

missc wrote: »

i'd accept it if its for the amount they took off you and its only the interest there not paying. Otherwise you have to go through the court procedure which can take a couple of months and is it worth hassle? and stress?
im sure if they offer you the amoutn you requested minus the interest your expected to accept (dont quote me on this though)

Its not really worth it, no. Thats what I was thinking.