I also have a loan with them. This is totally separate. I have won all my charges back and they have not once referred to the loan.

Good Luck

I followed the step by step guide and was offered £775 from HSBC (The total they owed me was £1092), I was asked to sign the letter of acceptance and they would credit my account. I did sign the letter but added a paragraph to it saying I was accepting this payment as the 1st interim payment against the total outstanding. The £775 was credited and did not hear from them about the remainder so I sent the letter before action again saying I was awaiting remainder of money owed. They have now sent me another letter offering £330 (which more or less adds up to the total they owed of £1092). I have to again sign the letter so they will credit it to my account and I will put on the letter 2nd interim payment. So you could say I have WON. However, the downside is that STUPID bank, even after paying me back the charges have once again charged me £30 for an unpaid item (which they promised to pay) so the whole saga doth start again .................. lol

Thank you so much to this site for all your help and advice.:grin: The whole process has only taken a few months (I sent my first letter 24 August 2006)

Recommended you to loads of my friends in similar situation.

Thanks, Thanks and Thanks again

Mike

I followed the step by step guide and was offered £775 from HSBC (The total they owed me was £1092), I was asked to signed the letter of acceptance and they would credit my account. I did sign the letter but added a paragraph to it saying I was accepting this payment as the 1st interim payment against the total outstanding. The £775 was credited and did not hear from them about the remainder so I sent the letter before action again saying I was awaiting remainder of money owed. They have now sent me another letter offering £330 (which more or less adds up to the total they owed of £1092). I have to again sign the letter so they will credit it to my account and I will put on the letter 2nd interim payment. So you could say I have WON. However, the downside is that STUPID bank, even after paying me back the charges have once again charged me £30 for an unpaid item (which they promised to pay) so the whole saga doth start again .................. lol

Thank you so much to this site for all your help and advice.

Recommended you to loads of my friends in similar situation.

Thanks, Thanks and Thanks again

Mike

I claimed £1092 from HSBC and was offered payment of £775 which I took. I now want to remind them about the remaining £317. Is there a letter I can use.

Thanks

Mike Smith

Hi there, wouldn't panic, mine didn't show up straight away but I got my reply within the 14 days.

Mike

This offer was made after the first letter (request for repayment of charges). I was just about to send my LBA (today in fact) but received the offer on Saturday (12th August).

Mike

I have received a reply from HSBC offering me £775.00 as full and final settlement. My total claim was £1092.20. There is a catch though!!!! In order to get this money credited to my account I have to sign the letter accepting this as full and final settment. What do I do?

Mike

I received all my statements within the 40 day period after sending my initial letter and I am just about to send the letter asking for my money back. I will keep you all posted. My claim is £1,100.

thanks for that, where do i find the HSBC section?

Mike