After sending my
Letter Before Action for an overcharged fees claim of more than £4000 I discovered at my branch that I had been replied to, though this letter was never received through the post (I asked the branch employee to print a copy from file).
It contained an offer of £2000 (intimating that I had requested only £2000) dated 28/09/06 and giving me 10 days to respond. I accepted the offer on 3/10/906 as partial payment and then received a letter dated 09/10/06 saying the offer "has therefore been withdrawn". It says;
"The bank does not agree with your contention that the charges that have been imposed constitue a penalty and are therefore unenforceable... In respect of overdrafts, I would refer you specifically to clause 7.11 in section 2.
Anyone had anything similar?
Do I go straight to a court filing or ask them why they made an offer then withdrew it?
Should I read anything conspiritorial in the letter that was never received (or possibly never sent?) that gave me a limited response time and that when I did respond was withdrawn?
HSBC - Offer made - Offer withdrawn 
