I have been in the same situation, if you belive fraut may have taken place they MUST investigate, in my case i told them that i would not pay untill a full investigation took place, they are also not allowed to take more money from you untill they have come to a conclusion. hope this helps

In October 2003 to May 2004 i lost £16660 in cheques these had been taken and signed by another and i found this out in the September of 2004 and was able to prove this, HSBC done everything in there power not to send out copy cheques and statements for my account, yhey would not speak with me in the branch all i could do was write to them at the branch and the then forwarded the letters to the fraud investigation team. They had debt collectors hounding me day in day out for 3.6k owed to them i was unable to pay because of the losses i wrote to them hundreds of times asking for a meeting but they would not meet with me, In December 2006 they asked me to meet with them in my branch (the branch manager) told me there were cheques that have also been identified by them to be passed fraudlently and they will now refund the total 16660 to my account some 2 1/2 years after the event, and repair my credit history and pay me charges for the bounced cheques on my account not siged by me, i said what about my losses for the money not being in my account they told me i should have looked after my cheque book and the dont pay for consiquential losses and i have recieved a cheque now for the money owed to me for the cheques passed fraudulently with the money deducted that i owed them and they have decided that this is now over. I have not cashed the cheque as this would accept there payment and agree with there terms, now i am looking for help as the bank never checked 1 of the 78 cheques passed these ranged from £90 to £900, i thought that the bank were suposed to check these and protect your interests and look after your money, they have just said F##k of and we want the 501 you owe on your credit card or we will take you to court. What do i do, does anyone know case law or a good Solisitor/Barister Help please, i just want a shoulder to lean on PLEASE PLEASE PLEASE. :confused:

I have sent LBA and this will expire on Wednesday this week, should i send the refusal and another 7 day LBA or just carry on with the one that has a day to run and they will have to attend court if necassery??

I have read a few postings on different sites and am under the impresion that you can claim back on ANY accounts including closed accounts up to 6 years ago. There are templates in the libary for this enquirey you don't even need to know the account numbers.

I have today recieved an offer from Nat west for £3142 which is £200 less than i was claiming and dosn't include £680 in interest that i would also be entitled to if i was to go to court, BUT they also want me to accept there charges in the future or they will reconsider the type of account that i have with them at present which would mean no overdraft and posibly having to pay back my loan.... Any sugestions Steve

At my first and only sit down with the bank they said sorry and that they would repair the damage by the bad debt reports and that they would pay the charges on the bounced cheques, when i recieved the leter detailing this i replied stating that the actule cost was far greater than this, the next letter stated that they would pay me the 16660, for which i owed them 10k on a buisness loan so they deducted this from the money and sent a cheque for 6,660 saying that the matter is now closed, and that they would start procedings against me claiming 3.5k owed to them on a credit card for the buisness.

Hi new to the CAG but hopefull of some advice, I have recieved charges on Private acconts with Lloyds and Nat West, Buisness accounts with HSBC and Lloyds and numerous credit cards, i have been the victim of ID theft and lost 16600 due to buisness cheques beening passed with no checks by HSBC 79 cheques in all passed NOT ONE policed by the bank, this has caused me considerable hardship almost bankrupcy and all the charges you would expect with this but i am still keeping my head above water, HSBC have now after 29 months agreed that there were mistakes made by them and have now given me my money back but nothing else now considering Consiquential losses via baristers if i can afford them, but would like advice from anyone that has been here, and advice about claiming charges from credit card companys and buisness accounts, All help very appriciated:confused: Regards Steve

Hi new to the CAG but hopefull of some advice, I have recieved charges on Private acconts with Lloyds and Nat West, Buisness accounts with HSBC and Lloyds and numerous credit cards, i have been the victim of ID theft and lost 16600 due to buisness cheques beening passed with no checks by HSBC 79 cheques in all passed NOT ONE policed by the bank, this has caused me considerable hardship almost bankrupcy and all the charges you would expect with this but i am still keeping my head above water, HSBC have now after 29 months agreed that there were mistakes made by them and have now given me my money back but nothing else now considering Consiquential losses via baristers if i can afford them, but would like advice from anyone that has been here, and advice about claiming charges from credit card companys and buisness accounts, All help very appriciated:confused: Regards Steve