HSBC (merged)

karukai · 20 February 2007 at 7:52PM

Okay, so we've received the last 6 years bank statements, gone through them and found all the charges.
Then we wrote to HSBC using the template letter asking for the money back.

HSBC wrote back within the 14 days saying this:

"I am looking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations.

In the meantime here's a leaflet blah blah blah..."

So, what should the next step be? Are they just trying to fob us off or should we wait for this 'response'?

Don't really just want to jump straight in with the second letter about taking them to court if it's not needed just yet...

BigBadBob_3 · 20 February 2007 at 8:59PM

I too recieved a reply asking for itemised details of the charges I was claiming, even though I had included a fully comprehensive list stapled firmly to my letter.

I re-sent my list of charges claimed & offered to extend the 14 day notice from that revised date as a "gesture of goodwill".

They have taken almost 5 weeks to respond (I hadn't started court proceeding due mainly to being a little strapped for cash after crimbo). I today had an offer of 85% of my claim (not including the 8% interest), which I am going to accept as it's a pretty tidy sum & is alot less hassle than pursuing it further.

They claim not to admit liability, but ae doing it for "commercial reasons" as legal costs would be lost.

So, I'd say give them a chance to sort it out before going all the way (I know others would disagree) They obviously have a bit of a backlog to go through at present!

jem170884 · 20 February 2007 at 9:07PM

pygmalion wrote:

The situation so far!

1) Requested summary of charges
2) Received statements
3) Sent off first letter claiming £658 charges + £152.68 interest
4) Received letter saying they are 'looking into the matter'

Now the 14 days is up and I have not received an offer - point 4) does not constitue a satisfactory response! My question is, what do I put in Martins next template letter under 'name of court'? How do I find out what my local court is? Or can I use MCOL? What are the parameters that permit you to use MCOL instead of actually physically going to court?

Many thanks

Either look in your phone book for county court or type into search engine 'county court *town u live in*'

jennyowen · 20 February 2007 at 9:20PM

youth_leader wrote:

Hello - just received a letter back today (20 Feb) from the Senior Service Quality Officer at HSBC in Leeds, in response to my first letter (10 Feb, sent recorded) asking for my money back. I had enclosed a full breakdown with my letter using excel - sheet number, date, amount, etc.

"In order that we can consider your request, please provide a full itemised breakdown of these charges to include date, description of the charge and the amount applied. Please also include any proposed new charges that you have received a pre-notification advice for"

I have reshuffled my schedule using the format they want:-

Date Amount Description
Total

but would like to know if you think I should send this back with the pre-court letter? Is this just a delay tactic?

Thanks. Nervewracking - plus I've got to search for my court now!

Sharon

I had exactly the same reponse from them. I did what they wanted but sent the next letter back but kept the same deadline so they only had 1 week to respond rather than 2. I'm sure it is a delaying tactic but reckon if you stick with your original deadlines thats best. Having had no reponse I sent off the second letter today!! Fingers crossed xx

reecos · 20 February 2007 at 9:43PM

Just a quick note to those of you out there thinking of claiming or just starting a claim.

We had our bank charges refunded by HSBC today - the process was easy.

We used online banking to find and list all of the charges, then sent a letter demanding a refund.

We got the standard reply from Colin Langdale and hit them with the LBA. Two weeks later we received an offer of the full amount.

Good luck to everyone else.

GEM4444 · 20 February 2007 at 10:16PM

Has anyone been successful with a second claim from HSBC? I had my offer of 1000 paid into my account last week but in the meantime was stung with another 100 charge!! I sent them a letter asking them to cancel the charges before they were due to be taken out and got the standard letter back but was horrified to find they had taken them out yesterday. I've sent another letter yesterday threatening court action. Do you think I'll get them back?

:mad:

Lisa_1971 · 20 February 2007 at 10:18PM

Hate to be thick!!! but we got the standard letter from Colin Langdale too but whats a LBA?? Is that the next letter?
Well done you for the refund. Hope ours is as easy!

GEM4444 · 20 February 2007 at 10:25PM

Ha I'm glad you asked that question Lisa cos I thought it was just me!! Do you think it may mean letter back again?

:rotfl:

Lisa_1971 · 20 February 2007 at 10:27PM

think so but a newbie to this so wouldn't dare say!!!! Glad its not just me who's a bit dim tonight( no offence):rotfl:

GEM4444 · 20 February 2007 at 10:29PM

None taken!! Good luck with your claim.:o

HSBC (merged)

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