Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    karenj2000 Novitiate

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    Question Emailed instead of sent

    Hi all,
    I rang HSBCicon to find out where I should sent my Preliminary approach for repayment (spoke to a young lady who obviously flunked out of charm school who advised me again that they would not refund the charges imposed on my account). I was given an email address, CUSTOMERRELATIONS@HSBC.CO M, so I cut and paste my letter into that. She did not offer me a formal address to write to.

    Have I screwed up my initial attempt to get my money back by emailing rather than writing a letter?

    Help please - new to all this but sick of being broke thanks to bank charges!!!

    Karen

    Similar Threads:

  2. #2
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    sarey331 Novitiate

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    Default Re: Emailed instead of sent

    hi, ive done it by email and received an offer after my lbaicon, so dont worry! ive also read of oneother person who has been successful over email.
    check out my thread 'need some guidance' if yu want more details


  3. #3
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    karenj2000 Novitiate

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    Default Re: Emailed instead of sent

    Thanks Sarey331 - did you sent your lbaicon via email?
    I wasn't going to bother complaining about the fact that they have taken £200 in the last two months in overdrafticon charges but due to their snotty attitude I want revenge (and my money back) for the total charges on my account.
    Did they put up a struggle with you or refund peacefully?


  4. #4
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    sarey331 Novitiate

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    Default Re: Emailed instead of sent

    they virtually ignored me until about a week after lbaicon then offerd me about 90% settlement. im accepting because that money would be more useful now in the summer holidaysicon, and its not a bad return for a few emails!

    they acknowledged my emails, and the thing that got on my nerves is they have to forward everything but dont let that put you off your schedule though,id advise you to give them the 14 days and then press on. they dont give us extra time in case we are having adminicon difficulties do they.
    read my thread if you get a minute as there are comments from others on there that you might find helpful, i know i did


  5. #5
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    karenj2000 Novitiate

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    Default Re: Emailed instead of sent

    Hiya,
    Read your thread - very interesting and helpful.
    Hope you have recovered from your surgery.
    Karen


  6. #6
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    deni Novitiate

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    Default Re: Emailed instead of sent

    Hi, I requested my statements by phone 69 days ago,( and paid the £10 ) despite several reminders I'm still waiting! should I start the process again by letter? Deni.


  7. #7
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    sarey331 Novitiate

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    Default Re: Emailed instead of sent

    thanks karen, nearly there

    deni, i believe that you can now sue them for not complying with data protection something or other. have a look on the here then call them up and bring it to their attention maybe?


  8. #8
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    Default Re: Emailed instead of sent

    Quote Originally Posted by deni
    Hi, I requested my statements by phone 69 days ago,( and paid the £10 ) despite several reminders I'm still waiting! should I start the process again by letter? Deni.
    Hi Deni,
    I am new to all this but I would think that they have had more than enough time. If you paid the £10 via telephone banking you will have the date on your account which is the date that the process started.
    I would post a thread of your own asking others with more experience their help as they all seem so up on how this all works.
    GOOD LUCK!
    Karen


  9. #9
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    Default Re: Emailed instead of sent

    Yes, you can now report them for failing to comply with your request for Data protection information! Not quite sure of the procedures though!

    28/07/06 - Prelim letter sent to HSBC for £3648
    31/07/06 - Letter rec'd at HSBC
    14/08/06 - LBA sent to HSBC
    16/08/06 - LBA rec'd at HSBC
    22/08/06 - Finally!! first reply from HSBC offering £2000
    23/08/06 - Letter to HSBC declining offer, saying I want ALL my money!!
    31/08/06 - MCOL filed for £4551.96, to be deemed served on 06/09/06
    05/09/06 - HSBC Acknowledge claim
    22/09/06 - DG Solicitors offer full amount in settlement, I accept!!
    27/09/06 - Full amount paid into my acount
    28/09/06 - Full amount taken out of my account!!!!!
    29/09/06 - Cheque arrives, FOR SOMEBODY ELSE!! with all their account details in a letter adressed to me!!!
    29/09/06 - HSBC refuse to pay money back into my account




    If I have been of any help, please click on the scales in the top right corner!

  10. #10
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    Default Re: Emailed instead of sent

    Yes, you can now report them for failing to comply with your request for Data protection information! Not quite sure of the procedures though!

    28/07/06 - Prelim letter sent to HSBC for £3648
    31/07/06 - Letter rec'd at HSBC
    14/08/06 - LBA sent to HSBC
    16/08/06 - LBA rec'd at HSBC
    22/08/06 - Finally!! first reply from HSBC offering £2000
    23/08/06 - Letter to HSBC declining offer, saying I want ALL my money!!
    31/08/06 - MCOL filed for £4551.96, to be deemed served on 06/09/06
    05/09/06 - HSBC Acknowledge claim
    22/09/06 - DG Solicitors offer full amount in settlement, I accept!!
    27/09/06 - Full amount paid into my acount
    28/09/06 - Full amount taken out of my account!!!!!
    29/09/06 - Cheque arrives, FOR SOMEBODY ELSE!! with all their account details in a letter adressed to me!!!
    29/09/06 - HSBC refuse to pay money back into my account




    If I have been of any help, please click on the scales in the top right corner!

  11. #11
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    Default Re: Emailed instead of sent

    Deni,
    Just checked and the limit is 40 days for them to respond to Date Protection Inf so I am guessing you have a case!!!
    Karen


  12. #12
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    Default Re: Emailed instead of sent

    Hello Everyone, Just joined today, I'm going to email HSBCicon too, I've gone through my statements on the internet banking. I reckon i'm owed £370, shall I put this in the email?


  13. #13
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    karenj2000 Novitiate

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    Default Re: Emailed instead of sent

    Quote Originally Posted by ReverendBlackGrape
    Hello Everyone, Just joined today, I'm going to email HSBCicon too, I've gone through my statements on the internet banking. I reckon i'm owed £370, shall I put this in the email?
    I would use the Preliminary Letter: http://www.consumeractiongroup.co.uk...repayment.html

    and include the total sum in there. I deleted the part that spoke of additional schedules. Make sure you give your name, address as well as your account details as another poster has informed me that they can use delaying tactics if you don't!!! Make sure you keep a copy in your sent items or you will not have anything if it does go to court.
    GOOD LUCK.
    Karen


  14. #14
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    Default Re: Emailed instead of sent

    Hey Karen, have you recieved a reply yet? I got the following -


    "Thank you for your recent email.
    We are looking into the matters you have raised and will contact you
    with a full response as soon as we have completed my investigations.

    I am formally obliged to advise you of the Bank's complaint handling
    procedures that you can view by logging on to Home: personal, business, online, internet, banking: HSBC Bank UK and Contact
    Us, then 'How to Complain' which sets out the relevant details for you.

    Once again, thank you for taking the time to contact us. I am only
    sorry it has been necessary for you to do so.

    Yours sincerely

    Richard Pinder
    Service Quality Team"




    A good sign, hopefully. Good Luck.

    John


  15. #15
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    sufilala Novitiate

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    Default Re: Emailed instead of sent

    They do have a messages function on the online banking facility
    i did once send them a message i think but i never received a coherent response - only spam about more of their HSBCicon ripoff 'offers'...

    i reckon you'd probably be within your rights to conduct your correspondence through their website though... after all they provide that function for us their long-suffering customers,

    i did my claim the old fashioned way - dropping off letters by hand and getting a stamped photocopy as a receipt, if precedent for doing it this way can be established then that will surely make it easier for future claimants

    My Thread: HSBC Glee!!!!
    18/07/06 - 1st letter delivered by hand : £2,363.00,
    01/08/06 - 2nd letter delivered by hand,
    15/08/06 - Money Claim Online submitted.... £2,980.47 inc. interest & court cost
    21/08/06 - offer of £1998.87 received = too late suckas!!!
    22/08/06 - MoneyClaimOnline 'Acknowledged'
    06/09/06 - 1st Letter received off D&G solicitors
    15/09/06 - full offer made
    20/09/06 - full payment + £50 received = £3030.47

  16. #16
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    sarey331 Novitiate

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    Default Re: Emailed instead of sent

    if you do it by online banking you have to seriously edit down the letter and i couldnt paste it into the form, so id advise you to email the customer services address found on their site, worked for me as im expecting a cheque sometime this week


  17. #17
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    Default Re: Emailed instead of sent

    Im suprised I recieved such a swift response. So they told you they's send cheque out sarey? Nice one.
    Do you think I should reply to this email they sent me or just wait and see if they get back to me as they said they would following their 'investigations'!?


  18. #18
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    Default Re: Emailed instead of sent

    they sent me an offer which ive said i'll accept on condition that payment is made by cheque within 7days or i will proceed to small claims court. this letter came about 5/6days after i emailed my lbaicon.

    im going to call them tomorrow or thursday to see if the cheques has been sent because if i dont receive it by monday im off to mcol



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