Got This Letter from HSBC

marc_burnley

Please can someone tell me if there is anything I can do

Attched is a scan of the letter

I have 8 weeks from the date of the letter to reply

How do I attach a scan of the letter?

Its saying:

Sorry as a new user you are not allowed to post with links. This is done to stop spammers clogging up the site. Please edit your message below to continue.

Mips

You have to upload it to a site like photobucket where you can then attach it using the controls above quite easily

BenS1

It's probably the one I, and some other posters got. Mine is dated 18th December 2009.

Wait until mid January and Martin said the next plan of action would be announced.

Premier_2

marc_burnley wrote: »

...How do I attach a scan of the letter?

Its saying:

Sorry as a new user you are not allowed to post with links. This is done to stop spammers clogging up the site. Please edit your message below to continue.

Hi marc_burnley and welcome to MSE :hello:

As informed, unfortunately you can't post links as a new user. This includes trying to post images/scans.

Can I suggest you type out the contents of the letter and post here?

Also, if you already haven't done so, have a read of this useful MSE article on reclaiming bank charges
http://www.moneysavingexpert.com/reclaim/bank-charges

e.g.

My case is on hold with the banks, what is going to happen?
A. They have eight weeks to deal with it and it's likely they'll be swamped. When your case is dealt with, it's likely to be thrown out if your argument was based on the premise of the OFT's original case, that the fees were disproportionate.

...


How likely is it I will get my money back?
A. Much less likely than prior to the Supreme Court result, but not impossible. The strongest hope is for those who fulfill the Ombudsman's criteria above... still, the best thing to do is plan for getting nothing, but cross your fingers ...

Alpine_Star

marc_burnley wrote: »

Please can someone tell me if there is anything I can do

Attched is a scan of the letter

I have 8 weeks from the date of the letter to reply

How do I attach a scan of the letter?

Its saying:

Sorry as a new user you are not allowed to post with links. This is done to stop spammers clogging up the site. Please edit your message below to continue.

If it's a complaint rejection letter it's worth having a read of this http://www.legalbeagles.info/forums/showthread.php?t=20932

marc_burnley

Yeah it is a complaint rejection letter but I dont understand what Im supposed to do with the parts in Red

Could someone explain it to me please, in as simple terms as possible
Thanks

esmerellda

The bits in red are bits which need changing to suit your information - ie the wording in YOUR letter, the terms and conditions applicable to YOUR account.

The EVIDENCE bits you need to go through your statements and pull out parts which you feel demonstrate the bits in grey above them.

for example:

I suggest that if an 'overdraft extension request' was declined, there is no reason why the Bank's answer for any subsequent requests should be any different if the account balance has not changed other than by virtue of the Relevant Charges being applied. On APPROX DATE I contacted the bank to request an overdraft extension as I knew had fewer funds in my account than necessary to fulfill my transaction obligations - the bank denied this request, however they subsequently honoured the transactions taking me into 'unauthorised' overdraft and in addition imposed charges totalling £XXXXX to the account, attracting a greater rate of interest. This in turn led me to struggle the following month attracting further charges. Had the bank accepted my request for a temporary extension to the overdraft facility I would have met my obligations succesfully and incurred a single overdraft assessment fee, and the cycle of debt, created in the most part by the bank, would have been much less likely to occur. In addition where the bank decided not to pay certain items, and I had no prior knowledge nor control over which items the bank decided to pay or return, I incurred additional charges from my other creditors and suppliers for not making the payments in time. This presented a further liability of £25 (etc) which obviously made it harder to return to a positive balance and again meet my obligations in the next statement period.

Have a go, we'll help you with it...

marc_burnley

I no longer have my statements, they were sent off to Licit Legal who no longer exist

I also no longer have an account with hsbc, it was closed over a year ago

I also suffer from dyslexia so I need as much help as I can get

natweststaffmember

marc_burnley wrote: »

I no longer have my statements, they were sent off to Licit Legal who no longer exist

I also no longer have an account with hsbc, it was closed over a year ago

I also suffer from dyslexia so I need as much help as I can get

You may well have to do a SAR to HSBC for the details since they should hold all correspondence from Licit legal as well with regards to your situation.

marc_burnley

Whats a SAR?

esmerellda

Request for information under the Data Protection Act. Takes 40 days to get the info.
Amend to ask for the Licit Legal comms as well It will cost you £10 - which you can pay by cheque or Postal Order paybale to your bank.


http://www.legalbeagles.info/forums/showthread.php?t=70


Dear Sir/Madam

SAR (Subject Access Request)
FULL NAME : FULL ADDRESS : POSTCODE
Any past names/addresses
Account numbers (if you know them)

1. I formally request that you forward me a true record of any Data held by your organisation relating to myself for any and all accounts held currently or in the past with your company. This should include, but not be limited to all transaction lists, agreements ETC ENTER ANY SPECIFICS
2. This request should include any Data held for more than 6 years as under the Data Protection Act there is no time limit for information requested.
3. If you do not hold Data for a period longer than 6 years I also request confirmation of this in writing along with your methods used for disposal of such information to comply with the Data Protection Act stating the name and contact information of your registered Data Controller and Code Compliance Officer.

I enclose the statutory maximum fee of £10. You have 40 days from receipt of this request in which to return to me the information requested , securely and in legible condition.

Please note that the above address is the one registered with your organisation and which you have previously found to be acceptable.


Yours faithfully,


(signature)


(name)