trying to save Vs HSBC

[trying to save]

i sent a prelim letter to HSBC on the 12/03/2007 using templates from martins money tips website (sorry before i discovered CAG) asking for a refund of charges £865.50 and 8% interest £344.26 total £1209.76.
From now having a good look around this site, i should not of added the interest on yet is that right ?? anyway this is the response that i have received this morning

Thank you for your letter dated 12 March 2007 requesting a refund of your bank charges of £1,209.76 passed during the last 6 years.

The bank does not agree that our charges are in any way unfair or unenforceable. The contract between the bank and its customers is governed by ourPersonal Banking Terms and Conditions. If you ask us to make a payment that would, if met by us, lead to your account going overdrawn, or over an agreed limit, the bank considers whether or not to make this payment and a fee is payable for this service.
Our fees and charges are stated in our published price list and the circumstances in which these charges will apply are set out in our terms and conditions.
While I accept that this letter will not provide the response that you hoped for, I trust that I have been able to clarify the bank's position. However, should this not be the case, the attached guidance sheet explains the next steps available to you.

Yours sincerely

Colin Langdale
Senior Service Quality Officer

Full Response - Guidance Sheet
We hope that you will be happy with the attached response and that this matter has now been addressed to your satisfaction.
Alternatively, if you wish to escalate your concerns to the next stage, you can write to the Senior Manager of our Service Quality Team, at the following address, enclosing a copy of this letter:
The Senior Manager
Service Quality Team HSBC Bank pic
Arlington Business Centre
Millshaw Park Lane
Leeds LS110PP

If we do not hear from you within the next eight weeks, we will consider matters resolved.
Cases we cannot resolve can ultimately be referred to the Financial Ombudsman Service, further details of which can be found in our Listening to your comments' leaflet.

Is this a standard response from HSBC ??
Should i now send them a LBA but take off the 8% interest and just charge them the £865.50 Advice please !!!

[beetlejuice]

Can't imagine it's not a stanfdard response, I would send them the LBA. Minus the interest. Take charge stick to your time table.

Good luck

Beetlejuice

Two current claims in progress against HSBC

[Castlebest]

Uncle Colins dug his sod off letter out, not seen that in a while now <laffin>.

Just alter your LBA to say something like "thank you for your letter, I have taken advice about this matter and disagree with your views therefore you have 14 days to pay up or the matter goes to court.

In fact there’s probably a template to deal with this letter in the library.

pete

[trying to save]

thaks alot for the advice beetlejuice and castlebest we've probably got this letter due to the fact that we still owe HSBC money from our account as we got into a few difficulties in 2003 and with the help of the CCCS only now make token payments to Hsbc but when not if they refund the charges it will dramatically redue our debt to them.
I am in for the duration many thanks trying to save

[welshbaba]

I sent off my letter the same day as you, and still waiting for response ...... will be watching to see how things go to see if there's anything different in the way they respond!
Good Luck

[trying to save]

Subject Access Request request sent off 29/03/2007
Prelim sent off on the 29/03/2007 with spreadsheet attached have checked with royal mail and they have both been received on the 30/03/2007 so we will wait and see they have got 14 days until a LBA

[lateralus]

ok, so, back on track then? prelim sent and no interest this time! 14 days - you send the lba - no matter what colin sends you (unless it's a 100% offer -ha-ha-ha-ha-ha-ha-ha - best laugh i've had all day!!!!!
and just take this time to go over your statements again - looking for anything you might want to add - you could add charges right up to filing your claim - so take a good look. (one beginner's mistake to avoid - don't just go adding the interest debits on - as that's a mistake - if you were to try and claim them - the overdraft interest - you would need to use the advanced s/s and it would decide how much is reclaimable on each interest debit ... at the level of your claim - i doubt they would be worth it - so i'd just ignore the interest debits and just add up all the others that you can claim - check them with this list:Charges description on statements - Please Read . Then enter them all oldest to newest on the simple spreadsheet and put the date for the spreadsheet at the date you will be filing - that's the prelim + 14 days to the lba then + 14 days and you get your earliest filing date - that way your interest will be spot on.
you can use the spreadsheet as your list of charges - just fold back or cover the 8% column and use it with your lba. then you are all ready for the next step. keep one step ahead - so be getting your lba ready now - then you will be ready to just send it when the 14 days have passed.