Thread: DPA letter just been typed

Hi yes we tried that yesterday and we could only get from June to come up will try again.

Thanks for the advice just downloaded all the statements now off to the bank with my daughter to see what they have to say I have got the preliminary approach for repayment letter with me along with a schedule of all the charges in case I get no responce from them watch this space. It doesnt come to a lot £188.00 but to an 18 year old girl who has only just come out of college it means a lot to her this has been taken from her over 11 months.

Been to the bank we were told they couldnt refund charges (little lie I think), they gave daughter £100 overdraft for now to stop the big charges coming out of her account. Handed the letter to recoup charges with schedules of payments got a receipt.






Preliminary letter and scedule of payments given to bank 02/08/06

Had a letter today from HSBC along with copys of terms and conditions saying "We do not agree with your contention that the charges that have been imposed by the Bank constitute a penalty clause and are therefore unenforceable" blah blah blah then thanking me for taking the time to bring my concerns to the banks attention.
lba letter been delivered to the bank by hand this morning, I made sure I got a receipt for it.
What do you think will I get anywhere they only owe me £187.00?

Forgot to say also attached schedule of charges that were taken from my account.

18 year old daughter had her reply following lba letter they are refusing again to give her her charges back, do we now wait until the 14days are up or do we now start the claim in court?

We have been sending all our correspondence to our local Milton Keynes branch would you suggest I now write to Canada Square London before we go to court.

You don't need to send any more letters, wait till the 14 days are up and then file MCOL.

The letter states "That if my claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees. I trust this clarifies the banks position, if you remain unsatisfied by our response i await contact from a third party to prepare and submit our defence".

Are they just trying to scare me off, and if it went to court would i have to get a solicitor to defend me?

Don't worry, it's extremely unlikely to go to court. This paragraph is just standard, i've had it in 2 letters from them and they've offered full settlements for both accounts. Just sit tight.... money's on it's way!

Hi I now need to take HSBC to court on 25th August as they have refused to pay the money back I have looked around the site but cant find a template of what to write on the form, I have got the N1 claim form from the court office help would be appreciated.

Many thanks

I think it's in the bank tempates library.

I have found the N1 template now my query this time is do i put the address of the HSBC bank that I have been dealing with on the court papers or do I put head office?

Many thanks

Is the N1 details under "particulars of claim "- hard copy version, is this what i write on the court forms.

Just want to make sure i am sending in correct details