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    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
    • Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have.
    • go do a Direct Debit Guarantee Clawback to your bank if you've now got control of his bank account finny.
    • Hello, Just to check I understand things right, he moved to a nursing home, you then kept paying the rent for a period of time whilst you sorted his belongings. You have asked to give notice and asked for backdated payments of rent from when you first asked which went ignored? They are still taking rent payments.   Have I understood correct?   If I've got anything wrong please correct me.
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Ftoboy V HSBC


ftoboy
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Well i sent the prelim letter off and got a reply in 5 days saying we are collating all your statements and you shall recieve these in the next couple pf days free of charge. All good upto now. Sent the letter off saying i want my 1500 quid back and they have until this Thursday to reply. I have recently switched accounts to Alliance And Leicester (joint one with the future wife) will this hinder me at all? Thanks in advance

 

Geoff

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I have just opened a new account with Nat West which was quick and easy and all done online. Just incase HSBC decide they dont want to pay interest on the money they have had to pay me back.

 

Not sure what you mean by will opening a joint account hinder you? Do you mean your chances of reclaiming your money? I do know that when it comes to credit checking , if you have something will is financially joint, ie. a bank account then both of your details are used. For example, if you apply for a loan in your name it is not just you who will be checked out, it will be your partner on your joint account. Am I making any sense, it is quite hot out!

 

Louise

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Yeah you make sense lousie :)

 

My question is, i authorised the A&L to close my HSBC account when i opened my new account. Will this effect HSBC paying me for the charges they applied before this?

 

Does that make a bit more sense, im really not with it today :Cry: sorry about any confussion hee hee.

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It shouldnt make any difference. People are claiming on accounts/credit cards etc.. that have been closed for years. The money is yours and they took it, regardless of whether your account is still live or has been closed for a year! Go for it!

 

Louise

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Yeah you make sense lousie :)

 

My question is, i authorised the A&L to close my HSBC account when i opened my new account. Will this effect HSBC paying me for the charges they applied before this?

 

Does that make a bit more sense, im really not with it today :Cry: sorry about any confussion hee hee.

 

yeah, its not an issue, carry on :)

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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Just found out the missus didnt send the second letter recorded is it worth sending it again recorded delivery? They have until this Thursday to respond to the original but wont they claim they didnt recieve it?

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There is no need to send any of the letters Recorded Delivery - as long as you have kept a dated copy of the letter you sent that will be fine.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Well tomorrow the 14 days are up what do i do then? i was thinking about sending another letter saying something along the lines of you havent responded to me so therefor this is your final chance? Im kinda stuck on ideas though.

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Is this the premlim letter requesting your cash back that you have had no response from? If so there is a LBA (Letter before action) template letter in the library. It gives them (out of the goodness of your heart) another 14 days to respond before you start court action. Basically along the lines of stating how dissapointed you are that they have not responded..

 

Look in the libraries section and you shoud find it. Mines written ready as I doubt they will reply to my prelim within the 14 days given

 

Louise

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Well tomorrow the 14 days are up what do i do then? i was thinking about sending another letter saying something along the lines of you havent responded to me so therefor this is your final chance?

 

Stick to the deadlines you have set - if no response move on to the next step. If you write again giving them extra time or another chance to reply they will think you aren't serious and not prepared to take it all the way.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Help

 

Got a letter this am saying yes we will pay the full amount if you sign this form.. it has the wrong account number it firstly, secondly it says they will credit my account which they cannot because i dont have one with them anymore. i have spoken to customer services who have flagged it up but their department isnt open today. Do i make the changes to the form they have sent me and copy it or do i write them a letter along with it>

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Have they offered you the full amount?

 

If so, cross out the errors and anything you don't agree to- including any confidentiality clause, and then return the form to them.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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