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    • Standard form being sent to large numbers of claimants. Just answer as the form asks.  No need to  go into any detail, unless the forms asks for specific details of how health impacts on daily activities. If you are worried contact Citizens Advice as they are experts with PIP, as they are trained to understand what evidence is required for assessments.
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    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
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Mat V HSBC


mathancock
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Here we go. I have the template and have read the forums. I am now confident and very determind. First problem is where do i send the letter asking for a list of my charges? Is there 1 national address or do i put my local branch into http://www.esd.informationcommissioner.gov.uk/esd/search.asp ?

 

This is going to be fun :)

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Hello!

 

You can hand in your letter into the branch, as you can all the letters (untill you have to deal with the solicitor of course) as they all end up in the same place.

Be sure to obtain some sort of receipt.

 

Crusher :-D

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I took the ''preliminary approach for repayment'' letter to the bank on 27th June and handed it in to a very nice lady. I got to her to sign a reciept too.

 

I am just checking that i now just have to wait? Within 14 days i should recieve a letter back and then we go from there, correct?

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HAVE I MADE A MISTAKE !!!!!

 

I took my letter to the branch yesterday but inmy haste did not check my other accounts or add on the interest. Since doing this i am now owed an extra £1000. Can i just sent the letter again with the increased amonut or do i need to do something else. Help Help Help :o

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If they are different accounts start the same process with them. If they are the same I would try to increase the amount but explain it with a full break down. We did change our amount at one point. Coz they ignore the letters I think we got away with it.

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HAVE I MADE A MISTAKE !!!!!

 

I took my letter to the branch yesterday but inmy haste did not check my other accounts or add on the interest. Since doing this i am now owed an extra £1000. Can i just sent the letter again with the increased amonut or do i need to do something else. Help Help Help :o

 

you can claim for as many accounts at the same time as you like as long as the total claim is below £5000, the interest that you refer to , is that the 8% interest, or the o/d interest?

 

as regards your possible mistake DO NOT PANIC, all you have to do is send them a revised preliminary letter and restart your 14 days again, and ofcourse make double sure that its right this time (i.e. interest)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Good luck with it.

 

We got our money as you know on Tuesday. The last two weeks we have been on holiday, we only got back on Sunday. Yesterday we got a letter from Halifax (our new bank) saying they were charging us 30 quid as we had gone over our limit by 8.28 for two days. Ealier that day we had been into the branch to pay in 3300 (the money from our hsbc claim). They didn't tell us about these charges at that point!!!!

 

When we got home this letter was waiting for us. We called them up and asked them if they would cancel the charge as it was a slight oversight, they said no. We got put through to customer services who would "explain why the charge cost that much", they started telling us how they had to decide manually if they would allow us the 8 pound or not. I interrupted him saying "Can you see whatamount of money I have paid in today? Well I got that by suing HSBC for excessive bank charges." The man asked me to hold on and two mins later came back on the line and told me that they would drop the charge!!!!!!!!

 

At least I dont have to pay the charge. All this after telling me they would allow me 10 pound grace on my limit.

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Well yesterday i recieved a letter replying to my first prelim letter (before interest and only one account) saying the standard answer of could you please send us a breakdown of charges blah blah blah. I decided to ignore this because i have subsiquently sent my second prelim (Including all accounts and interst) with a full breakdown of charges.

 

Now its gets interesting! This morning i received the following letter.

 

Dear Mr Hancock

Thank you for your request with regard to information about charges and fees on your accounts for the last 6 years and please accept my apologies for the delay in our response.

We note you do not want copy statements, however, this is the only format in which the bank holds the information you require. For this reason duplicate statements have been ordered on all your accounts, including your credit card.

Yours Sincerely

 

 

Ian Shepherd

Centre Manager

______________

 

I dont want my statements! i have used there online facility to calculate what they owe me!

 

Any ideas please?? Should i just carry on with the deadline (7 days left) or is this letter classed as a response.

 

I would love to here your ideas in what they are doing.

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Having thought for the afternoon i have decided to send a letter in reply. The contents of this will be something like.

 

Thanks for your response but i do not consider it to be positive as requested in my letter dated 28/06/2006. I am still awaiting for that and should it not reach me by Wed 12th (14 days from that date of my original letter) you will be hearing from me again.

 

What do you think? Any opinions are more than welcome.

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  • 2 weeks later...

RESPONSE LETTER TO LBA

 

After sending my LBA i have recieved a reply which is below. Do you think this is a standard response and they are trying to scare me off? Should i continue with my timetable? Has anyone else recieved this letter? I would appreciate your help please.

 

Dear MR Hancock

 

Thank you for your letter dated 11 July 2006 requesting a refund of bank charges of £2584 going back 6 years.

 

The bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable. The contract between the bank and its customers is governed by our Personal Banking Terms and Conditions. In respect of overdrafts, I would refer you specifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us, lead to your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service.

 

Our fees and charges are clearly stated in our published price list and there circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy when you opened your account.

 

Whilst i accept this letter will not provide the response that you hoped for, I trust i have been able to clarify the banks position. If you are not satisfied with the banks response you should now refer your complaint to the Financial Ombundsman Service, as this represents our final response on this matter.

 

Yours sincerley

 

Mr Colin Langdale

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