Blackstar500 v HFC Bank **ANOTHER ONE WON**

[blackstar500]

I have sent my first letter to the above bank and have given 14days to refund charges in amount of £805.00.

[blackstar500]

I can confirm that the letter has been received and i am due to reply within the next 7days


HFC Bank( Household Bank)
Customer Services
P.box 1526
Birmingham
b1 3pp

[blackstar500]

Dear Mr XXXXXXX


Thank your recent letter informing me of your complaint

Your comments are extremely valuable to me and i am concerned that you are unhappy with HFC Bank

I am personally addressing the issues that you have raised and will carry out an investigations of the situation on your behalf. I will examine the background carefully and reply to you directly in due course

Please find enclosed a copy of out internal complaint procedure for your information


Yours Sincerly



Pls advise me what to do next Thanks

[BankFodder]

Have you read the FAQs?

[blackstar500]

Yes

On the letter their is contact person and number. I was thinking of calling to negotiate what do u think?

[Bookworm]

Stick to YOUR timetable. You gave them 14 days, that's ample.

[blackstar500]

Hi

I have just come of the phone speaking to Customer office enquiring about why i have not received my refund after my first letter. She claims the matter has been passed to the legal team who are still looking into the matter. My 14days expire on the 20th of March and was just wondering should i send a final correspondence before action or just file a case immediately

Thanks

[BankFodder]

If you last letter way a letter before action giving 14 days then at the end of that period you make your claim.

You never ever ever make a threat that you won't keep. If you do, you're dead.

[gothicf0rm]

hfc are easy to deal with i think because they do credit cards mostly dont they? run up as much on your credit card as they owe you and then refuse to pay it

[Spiceskull]

run up as much on your credit card as they owe you and then refuse to pay it

Is that wise - it would surely mitigate against you in most people's view. Sure, the logic is right - 'equal debt' - but the processes are different in so far as you have agreed to repay what you spend on the card. You have not agreed that the bank will apply unlawful charges to your account.

[gothicf0rm]

i did it with hfc it worked a dream and resulted in what is the record of the quickest settlement ever - 6 hours from me phoning them to them settling! if they owe you the money and you run up the debt the onus is then on them to get the debt back. of course if they owe you x and you owe them x they can hardly go to court and say "oh he owes us money". they cant say you defaulted either because your credit card balance is only minus because of their unlawful charges. no-one with a credit card ever needs to sue their credit card company, they can just run up a debt equal to the amount owed, refuse to pay and point out this and other things. if you know the law properly you can talk the company into writing the debt off (i did) because it legally doesnt exist.

[dave]

Wait until 14 days has passed.

If they have not refunded in full, then I would start proceedings for recovery.

It's the only language banks understand, and it shows you mean it.

I couldn't care less what their legal team come up with, they are NEVER as motivated as the person who wants their money back.

If it went to court, IMO, you would win.

[blackstar500]

Thanks Dave

[blackstar500]

blackstar500 v HFC bank

Case settled in full+cost+int

[Bookworm]

.

[pchan1]

that is a good try and hope you will get your money back