Good luck! They are a;; here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Just thought I'd close this one up with what happened. Payment made as expected, Credit Card cleared, Overdraft cleared, loan repaymnets made up to date, and I managed to get some rent paid up front! On another note I also reclaimed £325 since on my Wife's HSBC, strangley enough, this was the amount she was overdrawn by as well! So to all out there - don't give up and also don't forget about other things like credit cards and mortgages - I was lucky enough to spot a refund on my last mortgage of £500 (after my SAR) which never got to me 12 months ago!!

Hello again all - after a very successful recalim from HSBC, I now find myself £1158 short by NatWest, my current balance is £1178 overdrawn (go figure!) I've just completed my Letter Before Action as All I had back from the first was a letter from Stuart Higley asking for more time and a default notice from my bank!! They'd also slapped a few more charges on my account since the first letter so they now have my revised shcedule. Are Banks so stupid that they can't see that amount overdrawn and owing is all down to their charges? I'll keep you posted! RevDarkman

Hello all After I got my charges back I went to the bank, cleared my CC with them, got my loan repayments up to date and insisted that I got teh £90 in charges since the claim back - which I did. HSBC now want to close my account (don't really care about it!) BUT when I was at the bank I explained that the £90 charges were three unpaid loan repayments, from a direct debit which I wasn't allowed to cancel. I was told in the bank that a clause in the loan agreement was that there must be a Direct Debit in place from your HSBC account. So does the clause in the loan agreement override their reason for closing the account? They quote caluse 12.4 in their terms and conditions for closing my account. What I'm getting at is, through no fault of my own, they are closing the account which according to them must be in place to repay the loan! What happens to teh loan payments? do they hand it over to a collection agnecy or similar?

Well I now have the offer of all charges court costs and Interest totalling £3722 Now I intend to clear my HSBC CC (£500), clear my overdraft (£2200) and bring my loan account up to date about £300 - £400 in missed payments over the last four months - is it safe for me to request DG to pay the money into my account or should I get a cheque and get it cleared in my other account (NatWest)

Heh maybe - wifey reckons I'm pushing my luck, but the £120 is a month's loan repaymnet!

I reckon DG Solicitors are stoopid! Got a reply to my refusal - they've now added the interest and removed the £120 court costs! Dealying tactics maybe? New letter in the post rejecting the amount........

Well I sent two letters preliminary then LBA so if you've gone straight to LBA then do the court if your letter stated that. Stick to what you've said. It's not too hard to do - I just refused a £3.2k offer!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-letter-before-action-consumer.html This one - just change it a little to suit - I changed mine to say how dissapointed I was in their reply

Carry on and send the next letter giving them another chance stating that you are very dissapointed that you haven't had a reply, and if you still don't get your money back - take them to court!

I like the sound of that one!

I'm thinking along the lines of a reply letter like this: Dear xxxxxxx Re: RevDarkman –v- HSBC Bank Thank you for your letter dated 13th July 2006. I refer you to the particulars of the claim: I also claim interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 09-06-2000 to 21-06-2006 of £3098 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8% I see no reference to the interest in your letter therefore I do not accept your offer at this present time yours...blahdiblahdiblah is this good enough? Thx

I've been looking round these forums and also at moneysavingexpert.com but can't find the correct way of refusing the offer unless the interest is paid with it.

I got this and proceeded with the court action to which they have offered the full amount (£3k+) but I also want the interest!

Good Luck!! I'm at loggerheads with them as well - I'm holding out for the interest on this as it willleave me completely debt free with HSBC! Just do it you have nothing to lose really

I did the two letters requesting a repaymnet giving them 14 days each to which I had two replies telling my to go and talk to the Ombudsman. Then went to court online and within 3 days they requested the full breakdown of charges, within two days of me sending them the information they offered the amount.

Hi all Just had an offer of £3298 from HSBC after taking them to court - the offer is the full amount of charges plus the £120 court fee. I also claimed for the 8% interest which now is about £550 on top - should I also make sure I get that ? How do I correctky word a refusal of offer letter on these grounds? Many thanks