HSBC (merged)

sting2

Hi all. I started the ball rolling with reclaiming my bank charges from HSBC,on february 23 2007. I followed martins advice, and used the template letters.
I am now at the stage of filling in an allocation questionnaire, as it nowlooks like it is going to court, and the HSBC have solicitors acting for them.
Has anyone out there had this happen to them? and have they been succsesfull?
Enjoy the weekend sunshine. sting2

kandkt

i claimed £3400 from hsbc who didnt reply to any letters, so i gave them an extra two weeks after the last letter, then payed £120 to mycol and applied for the full amount+interest+costs around £4200, two days later i got a response from "kate eaves" the banks solicitor notifying me of their intention to contest the whole amount, three days after that the bank offered £3400. i have searched long and hard for similar threads but cannot find any i would have honestly accepted the full amount before i went to mycol. but now i aint sure has anyone been through similar circumstances and turned down decided to go the whole way. all advice appreciated

Twinkly

kandkt wrote: »

i claimed £3400 from hsbc who didnt reply to any letters, so i gave them an extra two weeks after the last letter, then payed £120 to mycol and applied for the full amount+interest+costs around £4200, two days later i got a response from "kate eaves" the banks solicitor notifying me of their intention to contest the whole amount, three days after that the bank offered £3400. i have searched long and hard for similar threads but cannot find any i would have honestly accepted the full amount before i went to mycol. but now i aint sure has anyone been through similar circumstances and turned down decided to go the whole way. all advice appreciated

The general advice I've seen in my time on the forum is that you must accept an offer of full payment excluding interest if it is made before filing at court. If the date of their letter offering the full amount minus interest is after you filed at court (sounds like it is ) then you are entitled to continue with the claim. Good luck

grimreaper

kandkt wrote: »

i claimed £3400 from hsbc who didnt reply to any letters, so i gave them an extra two weeks after the last letter, then payed £120 to mycol and applied for the full amount+interest+costs around £4200, two days later i got a response from "kate eaves" the banks solicitor notifying me of their intention to contest the whole amount, three days after that the bank offered £3400. i have searched long and hard for similar threads but cannot find any i would have honestly accepted the full amount before i went to mycol. but now i aint sure has anyone been through similar circumstances and turned down decided to go the whole way. all advice appreciated

i would take twinklys advice if youve filed court proceedings you should be entitled to the interest and court fees as well its up to you

kandkt

thanks for the replys chaps can anyone give an idea of the timings from when the bank files a defence (with mycol) to actually getting to court.
or alternatively point me to the board with those details on
ta in advance:money:

Edinburghlass_2

Have a read of the Reclaim Help Thread, link in my signature, for the timings of MCOL and other useful information.

brodie82

Hi Guys ,

Im a newbie to all this have read lots of threads on reclaiming , but I noticed HSBC are getting a bit on the defence side , should I still go ahead ???? im going to send my letter of today for 6 years worth of statements , as I closed one account sept, other two accounts have over £2000 charges but Im going to go for closed account as it has MORE ON !! , IS it still worth it or do you think banks are starting to fight back ??? im a bit scared x

babe59

Sorry probably on wrong part the site but does anyone have the links for the reminder letter for the bank and the letter to report bank to the commission

thanks in advance;)

bb23

YAY! my parachute account with Cahoot has FINALLY been opened. I've heard nothing back from HSBC yet other than the "we're looking into it" letter. But at least, if they decide to close my account i have a backup AND, for some reason, Cahoot gave me a £500 overdraft, which - in this case isnt good so i'm going to ask them to take it off. but yeah, i feel more secure in claiming that money now, and i'll probably just close my HSBC account myself anyway, once i get my charges back.

telboy92

About 6 weeks ago i sent letter number 1 which i downloaded from this site asking for details of charges on my HSBC current account, enclosing a cheque for £10. About 4 weeks later i recieved all statements and a letter returning my cheque saying because i had not asked for statments they would not charge me! I went through them with a fine tooth comb, being sure not to include any charges they had refunded (which were very few), to give me a total of £3023.00!!!
Sent 2nd letter telling them they were unlawful and i wanted them refunding on the 19th april 2007. Got a letter this morning thanking me for my letter and saying they were investigating the matter and a full response will follow.

Will update ASAP. Fingers crossed.