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No More Tears 2 ***SETTLED IN FULL***


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OK, have put a long winded explanation under Halifax as they set me off!..but basically I am now in 'Fighting back' mode rather than sit hoplessly and cry about it mode.....

The gits are going to pay for every tear I shed over the last 6 years!!

 

First data request letter sent recorded on the 9th June.

 

Acknowledged and cheque returned....

just waiting (rather exitedly I must add!:D ) for my parcel of statements.. cos I KNOW that they are FULL of charges!

HSBC SHOULD BE SHAKING!!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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OK, 32 envelopes waiting for me when I got home from work...just starting to add up...There don't seem to be as many charges as I thought there were....

Oh well, I'm claiming what there is back!!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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OK, removed the interest question as I've worked that out now...

Finally added all the charges up

Am sending first request for refund today for total sum of:

£2868.24

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Just a quick question before I post, I have addressed this letter (the first request for refund with total) back to

Ian Shepherd, (from whom I recieved my first acknowledgement)

(hsbc bank plc

Coventry DSC

Harry Weston Road

Binley

West Midlands

CV3 2TQ)

 

Is that OK, or should I rewrite and send just to my branch?

 

Does it really matter?

My branch is a small branch in the mountain...(Denbigh) and I think they just pass on the requests anyway??

 

(I've got 55 minutes to catch the post office today so a speedy reply please or I'll leave it as it is!)

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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ok, no replies so I sent it..

I paid for special delivery, guarenteed for Tuesday, a little more expensive but the tracking on recorded delivery says that the letters I sent on the 9th of June have not arrived yet....I want to be sure they get these!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Quick update...

No response to claim yet...

But

I had a very nice lady from HSBC phone me this morning, asking if there is anything she can do to help me stop going overdrawn....

I took a deep breath....and replied..

"Yes, actually you can help me by refunding my £2868 that you have taken in unlawful bank charges over the last 6 years, then maybe my account balance would be a lot healthier, and I wouldn't have the need to take you to court as I will be doing if you do not respond to my claims that I have put in writing with a full refund"

...

There was silence for a moment...so I asked..

"Are you still there? would you like me to repeat my request?"

 

The young lady then gave the spiel about Terms and Conditions, stating that she was quite sure that they were allowed to charge legally, or they wouldn't do it. I replied again that "I was sure that they were unenforcable in law and I was in the process of taking this further...."

She then said that she was unaware of any of this, and could not comment, but in the mean time, would I like a free overdraft to help me stop incurring charges....Wow I had asked for one less than a month ago, and was refused, is this some new thinking happening....

could it really be....

shock.....a phone call from the bank...with them being helpful....I promptly fell off my chair!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Quick update...

No response to claim yet...

But

I had a very nice lady from HSBC phone me this morning, asking if there is anything she can do to help me stop going overdrawn....

I took a deep breath....and replied..

"Yes, actually you can help me by refunding my £2868 that you have taken in unlawful bank charges over the last 6 years, then maybe my account balance would be a lot healthier, and I wouldn't have the need to take you to court as I will be doing if you do not respond to my claims that I have put in writing with a full refund"

...

There was silence for a moment...so I asked..

"Are you still there? would you like me to repeat my request?"

 

The young lady then gave the spiel about Terms and Conditions, stating that she was quite sure that they were allowed to charge legally, or they wouldn't do it. I replied again that "I was sure that they were unenforcable in law and I was in the process of taking this further...."

She then said that she was unaware of any of this, and could not comment, but in the mean time, would I like a free overdraft to help me stop incurring charges....Wow I had asked for one less than a month ago, and was refused, is this some new thinking happening....

could it really be....

shock.....a phone call from the bank...with them being helpful....I promptly fell off my chair!

 

and then woke up

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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he he he....nope it was real....(had to pinch myself though!)

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Good on you -

 

I haven't had much interst from the bank really - I hope all goes well - keep us posted.

 

Nice to know somebody is going through the same as me at the same time.

 

Sarah

XXX:p

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OK, quick update...

recieved statements end of June....sent prelim off last week, would have arrived special delivery on the 4th July...

Had a very strange letter today... as follows...

 

"Thankyou for your request with regard to information about charges and fees on your accounts for the last 6 years and please accept our appologies for the delay in our response.

 

We note you do not want copy statements, however, this is the only format in which thwe 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 Sheppard"

 

Erm....are they confused? I haven't asked for anything other than copy statements (oh and I've asked for my money back) and I don't have a credit card!! - well not with them anyway!

Do I just ignore this?

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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its just a standard letter, they are v busy at the mo, so dont worry

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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Ok, thanks Maverick...was wondering if someone else had a credit card in my name! no wonder I never have any money!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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I'm expecting the same letter hedgehog, we seem to be on roughly the same time line. The 14 days from my Prelim are up on Monday and I fully expect some sort of standard reply. Thats why my LBA is already written and ready to be sent first thing Monday!

 

I also got offered an extended overdraft yesterday and a loan to pay off my overdraft and existing loan. I very much doubt they would have offered me this a year ago so why now?? Trying to butter me up I guess, well too late I wont need a loan when they pay me my £3111 in charges back!!

 

Good luck Hedgehog and I'll keep my eye out for your progress!

 

Louise

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Recieved another letter this morning offering £ 1995.50 blah blah final settlement blah blah

 

Nice to see that their offers are getting more realistic... but thats £700 less than what it should be....(£700 of MY money I should add!) thats the difference of my shiny new American fridge that I have been drooling over for the last 5 years! so ignoring that one...LBA to go out on Monday....

 

This is the scary bit, turning down money, ooooooooooooohh.......

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Recieved another letter this morning offering £ 1995.50 blah blah final settlement blah blah

 

Nice to see that their offers are getting more realistic... but thats £700 less than what it should be....(£700 of MY money I should add!) thats the difference of my shiny new American fridge that I have been drooling over for the last 5 years! so ignoring that one...LBA to go out on Monday....

 

This is the scary bit, turning down money, ooooooooooooohh.......

i take it you are telling them that the offer isnt satisfactory?

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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Do I add that to the LBA? or write to them in the mean time?

The letter actually states that if i do not sign and return in 7 days that they take that as a decline of their offer...

Should I out of courtessy reply? (I'm skint and at £4.10 for every special delivery, I would rather not send them a letter if I don't need to)

I was thinking of adjusting the LBA to reflect this offer, decline and continue....

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Do I add that to the LBA? or write to them in the mean time?

The letter actually states that if i do not sign and return in 7 days that they take that as a decline of their offer...

Should I out of courtessy reply? (I'm skint and at £4.10 for every special delivery, I would rather not send them a letter if I don't need to)

I was thinking of adjusting the LBA to reflect this offer, decline and continue....

 

damn £4.10 , dont be paying that much, its only £1 for recorded delivery, ok just reply saying thanks but thats not enough etc, its to look good , just incase it was ever shown to a judge, who would then look favourably as you had made very effort to settle out of court

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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OK, Will do, Thanks again Maverick for your invaluable advice!

 

Something along the lines of....

 

Dear Mr Langdale,

Thankyou for your letter dated 11th July 2006. I would like to respectfully decline your offer of £1995 as I believe that it does not reflect the true amount that you have unlawfully taken over the last 6 years. Unless the full amount is recieved I will be pursuing this through the courts.

 

short, polite but to the point....Does it need any more? is there a template for this kind of reply?

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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dear mr bank dude

 

regarding your offer of £xxxx in letter dated XXXX , i accept this amount as a partial settlement only , and i will be pursuing the remainder of £xxxx as stipulated by my original timetable

 

regards

 

me

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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Share on other sites

Thanks again for that, can I add something along the lines of...

 

I would also like to draw to your attention that if I have to raise this matter at court, I will also be persuing interest at the rate of 8% and court costs, I would prefer not to have to do this and believe that we could resolve this situation if you paid me the full sum of £ 2970.28 (which includes recent charges)

 

yours....

me

 

Although the 8% would add approx £500 to the final amount, I would rather they just gave me what was mine and not have to go through the stress...... do you think it is worth a go?

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Any answers to whether or not to add the last add on would be greatly appreciated..

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Personally I'm not adding anything in about interest in my LBA and doubt I will if I have a partial offer like you have. They know that they will have to pay the 8% if you file with mcol and will highly likely offer the full amount before this time.

 

How long before you need to file with mcol, do they have a further 14 days?

 

If you want to mention the interest though, leave the first part in but dont mention that you would rather not go as far as court as they may take advantage of this and push you to the limit. If they think for one minute that you dont want to file with mcol then I reckon they could try it on and string this out.

 

Louise

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ok, point taken, think I will leave it out!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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