Hello I am interested in this - I have a secured loan with paragon and paid up early with large penalty......is it just the standard letters yo go with here any different wording??? Thanks Jo

So I put smile on hold for a while whilst I hit th HSBC - they have now paid up and not closed my account so time to hit on smile - I have secure messeged them asking for my statements and the messaged back saying that it can be done in a subject access request?? I have to email back if this is ok......errrm is it???? Please help.

?? I don't know - I didn't go down the MCOL bit was about to when he rang up and offered me - I wasn't going to argue as he worked it out being more than I claimed for . 24.9% is the interest rate of the credit card so the interest I have paid onthe charges form them. HLH

OMG - so I was already to do the MCOL tomorrow and I just got a call from Gareth Tunnicliffe - he went on about how I had some charges refunded blah blah and I had worked out the interest wrong it should be 24.9% I was expecting the worse when he offered more than I was claimng and it will credit my account within 48 hours!!!! wic - will donate as soon as credit appears - I cannot thank you guys enough :grin: :grin: :grin: :grin: :grin: :grin:

Waiting for money to come in - child benifit due tomorrow - I have registared with MCOL and half filled out the forms ......all go tomorrow.

O I was strong on the phone - just was all shaky after I have put the phone down - excitement nerves I don't know, Roll on monday. Should I call again Monday afternoon chasing them or just file a claim if I don't hear from them?

OMG I Phoned them but yvonne who is dealing with my case is going home in an hour i said the offer of £200 is not acceptable and I gave her until 5pm on monday to review it or I will be starting a MCOL. gosh I am ok in letters but after that phone call I am shaking

So I rang their office today as I hadn't had any response and althoughit was a bad line she said that they had sent a letter out and basically deny the charges etc but are offering me a goodwill gestur of £200 - PHHHAA - I will wait till I get the letter - maybe in tomorrows post then I will start the money claim online - or shall I ring them back and say no its not acceptable?

Cool thanks - hopefully they will stump up as they offered me mine in full straiht away. I love this site - and will be donating as soon as my cheque clears.

Well I got my cheque this am so it only takes a couple of days....

good luck flossy - i sent it to the BOREHAMWOOD address so I will probably have the same response.

so I got an offer this am of £1340 from a claim of £1489.50 plus £214.74 interest - i think I will accept this as the money will come in handy for holiday in 2 weeks time. Thanks all for your help and I will make a donation as soon as the money hits my account.

So OH not got the job so am pursueing the claim for his - how do i word the letter that I accept the 163 as a partical refund but am pursuing for the rest?

where do i send the prelim letter to? There are so many addresses dotted around not sure where to send it to?

OK then cool - I will start the MCOL on friday 14 days is up today but its payday on friday and won't have the dosh till then - how much is it again?

Please help I would like to send this letter today.

After accepting an offer how long do they take in getting the cheque out to you?

spoke to mbna today asking about a response and my case is due to be worked tomorrow so hopefully hear something by the end of the week.

I thought the £650 was a pretty good offer on the £746 account and I could do with it for holiday spending money - I really want them to reply to the other letter for the £1700 worth i am claiming. How would you word it?

can someone give me some advice onthis letter - I basically want to accept their offer on the sole and then say but what about the charges on the joint account ???? Or do you think I should not accept this offer....... Any help or ideas appreciated Thank you for your letter dated 7th July 2006, and thank you for your offer of £650.00 relating to the £746.50 bank charges on my sole account xxxxxx. I am willing to accept this offer only in relation to this account and have enclosed the signed document. I am disappointed that you have neglected to reply to the charges on my joint account xxxxxxx for the charges of £1704.24. A letter was sent to you on 4th July 2006 going you 14 days to reply before I start court proceeding to claim back these charges. I have not yet received a reply. I telephoned this morning and was advised that she could see the letter on the system but could not see that it was being dealt with and it could have got overlooked with the account above. I am willing to extend this by a further 7 days so you may have the opportunity in replying I require repayment in full of this money. If you do not comply fully within 7 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

can someone give me some advice onthis letter - I basically want to accept their offer on the sole and then say but what about the charges on the joint account ???? Or do you think I should not accept this offer....... Any help or ideas appreciated Thank you for your letter dated 7th July 2006, and thank you for your offer of £650.00 relating to the £746.50 bank charges on my sole account xxxxxx. I am willing to accept this offer only in relation to this account and have enclosed the signed document. I am disappointed that you have neglected to reply to the charges on my joint account xxxxxxx for the charges of £1704.24. A letter was sent to you on 4th July 2006 going you 14 days to reply before I start court proceeding to claim back these charges. I have not yet received a reply. I telephoned this morning and was advised that she could see the letter on the system but could not see that it was being dealt with and it could have got overlooked with the account above. I am willing to extend this by a further 7 days so you may have the opportunity in replying I require repayment in full of this money. If you do not comply fully within 7 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Has anyone phone HSBC? Problem is I have 2 accounts with them I have got to the end of the 14 day of the LBA so about to start with the court bit....I have received an offer for one of the accounts but no word about the other - they were both sent in same envelople so I know they have received it but just wanted to speak to them before I start with the court thing. There is no contact number on the offer letter received for the first account it was signed from Colin langdale..... Any ideas Please Help.

GOOD LUCK SALLYX I started my jounrney with HSBC a couple of weeks back 2 accounts and had one offer for 1 account already.

ok so I kept to the deadline of 14 days and sent the LBA off on 5/7 wednesday last week. Do they normally respond to this LBA or do they wait for the court proceedings to pay out?

How's it going have you had any reply from hsbc - I sent 2 letters (2 accounts) and I had one offer on friday 600 out of a £750 claim. waiting to hear from the other account and then decide what to do.