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zoet15

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  1. If you are a member of a union i would consult them or contact Acas for advice as i always find them very helful and give free advice.
  2. Hi, Does any one have a template for an intial informal grievance letter to send to employer, in relation to salary? and a formal one if a resolution is not found? Thanks
  3. zoet15

    HSBC Bank

    Ok thank you, I have just read a thread about this and i will do lots of reading in the meantime, it would have been 3 weeks tomorrow since it has been transfered, so will give they a call in the morning to see whats happening as due to go away soon and don't want to miss anything important. Z
  4. zoet15

    HSBC Bank

    ... HSBC Filed a defence at the last minute back in May, i had a letter from the court advising me of this and a Notice of Transfer of Proceedings dated 22nd May and haven't heard anything else since. Is there something i should be doing? Also if i go to court what evidence will i need to show the judge? How likely is it to end in a court case? Any help would be apprecaited. Z
  5. zoet15

    HSBC Bank

    I know what you mean, why would they file a defence when HSBC Bank sent me a full offer, albeit late?? I think i will send it to them so they have all the facts on the table from the beginning rather than asking me for more information later. Will also send a copy of my reply letter to HSBC stating that as letter was received after i had submitted an MCOL, it is not acceptable to me and wish to proceed with my claim as filed and then everybody is clear on the current situation.
  6. zoet15

    HSBC Bank

    thank you nettyg and lateralus too. Maybe i will include the letter, can't do any harm or can it??
  7. zoet15

    HSBC Bank

    Hi Jowalshy thanks for your reply. Yes kate Eaves signed for mine too, her hand must be hurting for the amount of times she has to sign her signature everyday ha ha. I will send mine to her to. I'm not sure about my letter either, just thought it might speed things up and help them decide on course of action, if info from HSBC bank to DG is slow.
  8. zoet15

    HSBC Bank

    Thanks again Lateralus, I have already sent the first letter off but will send off second letter to DG tomorrow, as received Notice of Aknowledgement last Friday, do i send it to the person named on the acknowledgement or just a general sir/madam letter? Can i send them a copy of HSBC banks letter or do you not think this is a good idea? Thanks again for your help, its so difficult to read everthing on this site as its so vast..
  9. zoet15

    HSBC Bank

    Thanks, for that. I think i will send them a reject letter and proceed as planned. Nothing ventured, nothing gained. At least i have some evidence if it ends up in court. Although letter state they do not accept the charges are unlawful etc, they deducted £13.00 for charges they feel they were right to charge, or words to that effect. In other words only £13.00 were legal charges....i am sure the judge will love that one!! If only they had offered everyone the full amount ages ago they could of saved themsleves, what can only be "monsterous" legal bill.
  10. zoet15

    HSBC Bank

    Thanks for all help and advice given so far, a little more would be appreciate. I have filed my MCOL. 3 days after filing my claim, hsbc wrote to me ( A letter i assume has been back dated to the day after i had submitted my claim, i.e before they were notified) Offering me a full settlement. 1. Do i need to respond to this letter? 2. They have since said they wish to defend the claim, can i send their offer letter as evidence? 3. Do they try to defend or pay up at the late minute? 4. Can you change the claim to include any new charges after i have submitted the MCOL? Obviously now i have paid court costs and added the interest so assume that i will still be ok to continue with my claim as their letters dated after the date i submitting MCOL.
  11. zoet15

    HSBC Bank

    I have finally got around to making my claim and have given them more that enough time to reply to my offer reject letter. I need to know as i am asking for money back on two different accounts do i need to make to separate claims or can i total the amounts on one claim form as under £5000? And is there any difference between MCOL or completing a hard copy claim? i.e time or cost. Thanks, Zoet15
  12. zoet15

    HSBC Bank

    Thanks, i have just typed reject letters to them, will be in post first thing, LBA deadline 16th March allowing for postal times etc, so this is the time i have given them, is this right or should i give them 7 days?
  13. zoet15

    HSBC Bank

    Thanks for that lateralus, i received a letter from HSBC bank on the 1st March 07- same day i sent my LBA, so crossed in the post. Offering me £530.00 on one accound(i asked for £704.00) & £874.00 on another (i asked for £1053.00). I haven't responded and am just letting the letter LBA do all the talking for me. Should i return the offer saying refused or continue as i have been. However, LBA states - "as you haven't responded", but they have albeit 1 day late. Any suggestions?
  14. zoet15

    HSBC Bank

    Well their 14 days are up and i haven't heard a thing, just typed up the next letter thats going to them recorded delivery tomorrow. i am concerned that some of the charges that are coming up to 6 years won't be paid out as they would be over 6 years old by the time i go to court, does this matter as i requested payment prior to the 6 years???
  15. zoet15

    HSBC Bank

    Thanks netty, Used this sites prelim letter and anothers sites spreadsheet, which i found easier- sorry! However i had already e-mailed the bank prior to this asking for charges plus interest, so thought best to continue down this path. Interestingly enough i did go overdrawn again, which would noramlly have incurred a £25 charge but they haven't charged me this time, maybe because they have my letter, maybe not ??
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