Thread: Second contact

Hello Russel, and welcome.
Sounds like the standard letters to me, if you take a good look around you can tell what letter you will get before you even get it!
All the best with your claim, keep us posted if you will.

Crusher

Hi,

Thankyou for all the help i've recieved over the last few weeks much appreciated.

I have had 6 years worth of statements for 2 accounts, one personal and one business (sole trader) delivered to my door, 114 envelopes to be precise!! duplicates of duplicates of duplicates but hey. I've done the relevant sorting, putting in order and higlighting. £427.50p on the personal and £2664.67p on the business.

Now i want to go to the spreadsheet stage and have a couple of questions. I apologise if these questions are answered elsewhere, i have read extensively on the site, beautifully complete and comprehensive but:

1) Has anybody out there had problems with claiming charges back on a business account? are there any foreseeable problems claiming back charges for them processing cheques payed in by me? paying dd's etc,,,, to cut my question short, should i treat my claim any differently to my personal account claim??

2) Should i put my 2 claims together or should i treat them seperately? I've read of people having accounts closed after a second claim.

3) Can I claim back "arrangement fees" and/or renewal fees

Thankyou in advance for any advice you may have

Russell

Thanks Carly and lookinforinfo ;-) , very much appreciated. Both letters in the post recorded delivery 5 minutes ago. 14 days and counting. I must admit this is the first time i've felt a little nervous, threatening a bank!!! what the f**k am i playing at, but on the other hand.....why not, it's my money Thanks again and I'll keep you posted xx

Ps would a mod please change the title of my thread to Russell v HSBC, (I'm a bit of a forum virgin and don't want to break anything) Thanks

pps I think i've made a mistake and could do with some reassurance In my haste and attempt to avoid stress levels reaching bursting levels I've sent the "request for repayment" template letter for my personal account and the "letter before action" template letter for my sole trader business account. Have i messed up?????

any advice would be most welcome

pps I think i've made a mistake and could do with some reassurance In my haste and attempt to avoid stress levels reaching bursting levels I've sent the "request for repayment" template letter for my personal account and the "letter before action" template letter for my sole trader business account. Have i messed up?????

any advice would be most welcome

HI,

Yes both the claims are just starting aren't they? If so both should have been sent the prelim letter.
Have you sent any emails?
I am not sure what someone more experienced on the site might suggest about this, but what I would do is send another copy of the prelim and an email of the prelim and pretend the other letter never happened. You're going to end up sending it out anyway!!!
The a/c that you have sent the request for charges letter is fine, that is the prelim letter.

Carly

Thanks Carley for such a speedy response and the advice,
I have jumped the gun a bit here i know, as you say though i would have been sending it out eventually anyway, I'll give it a day or so until monday (my post office will be open here again by then and wait and see what feedback i get from the site. Thanks again. I havn't used e-mail at any stage so far, do you think that might be a problem?
Russell

Hi Russell,

No I don't think it is a problem that you haven't been sending mails, but I did send all my correspondance by mail as well, to ensure it arrived one way or another. I just thought if you haven't yet sent any mails you could send your request for repayment letter(the prelim) by email so at least they have had a copy of it.
I just think if you did end up going to court it would be better in your favour if you could prove that you had followed all the necessary steps. As it is you have skipped one, so by sending a mail on Monday you have then complied with the first letter and can send the second lba by post and email.
At least you have something to show the judge to prove you gave them the inital 14 days before sending the LBA.
Just my opinion though.

Carly

Yabbadabbadoo!!!! I came to the computer tonight to print off my letters before action for both my personal and business accounts, checked the mail and lo and behold I have a letter from HSBC offering me £40 short of what I'm claiming back on my personal account, sorely tempting to be honest!!!! No feedback for the business account from the bank yet but as these 2 claims are running concurrently I expect an offer for that in the next day or so. I'll keep you posted. Thanks again all for all your help

Hiya, I'm still holding fire on the lba on my personal account while I add charges that I have received recently, however today I received a letter from HSBC in relation to my business account. The letter is a total refusal and contains several passages that concern me a little and may be of some interest:

"The bank does not agree with your contention that the charges which have been applied to your account constitute a penalty and are therefore irrecoverable".

Is this a problem?

"You have refered to the office of fair trading investigations into the level of default charges made by HSBC.......The OFT statement to which you refer is the view of the OFT and relates solely to credit cards not business overdrafts".

Is this a problem?

"The contract between the bank and its customer is governed by its business banking terms and conditions. In respect of overdrafts, I would refer you specifically to clause 8. Our fees and charges are stated in our published pricelist and the circumstances in which these charges apply are clearly set out in our terms and conditions.........."

Is this a problem?

"We are therefore unable to agree to your request.If you wish to escalate your concerns to the next stage, you can write to our customer relations department.....enclosing a copy of this letter".

Should I just carry on with the LBA as planned?

I do feel I'm being a bit "Woosey" about this but any advice or support would be very much appreciated at this stage.

Thanks

i got the exact same letter keep to your timetable

Hi Russell

I can't help you with this but I am keeping an interest as I too will be claiming the charges back for my business account - but as of yet still not received my copy statements.

good luck to you, sure it will be ok.

wendy

Thanks angela, I will keep to the timetable and let you know how I get on.

Thanks Wendy for your reply, this whole thing is putting the willys up me a bit but the support network here is fantastic!! and if I can help in any way at all just ask.
ps clear a space for the statements! when they start arriving you think they're never gonna stop!! x

Thanx Russell, I started off very angry now very scared. But nothing to lose.

its v sim to my letter appart from the first part about credit cards but the rest is the same fob off letter that normal customers are getting

A Quick question please. I note from my internet banking that HSBC are going to debit £50.00 from my account on the 30th August for going over my overdraft by £6, can i add this £50.00 to my list of charges i am about to send an lba for or should I wait until they take it and then send the LBA??

Its fine, I put down charges that hadn't been taken out of my account at the time of sending the letter.