Shy_Rhy vs HSBC another ***WINNER***

[shy_rhy]

I have read the FAQ and some of the threads and found them very useful. I feel more at ease knowing the kind of response to expect from HSBC.

 

I have issued a preliminary approach on 25th July for 6 years worth of charges totaling £2678-85.

 

Any help or advice very welcome.

 

Letter before action to be issued 8th August

 

Will keep you posted

[jazzyb]

Hi shyrhy, Welcome to the forum, all the advise i can give at your stage is to stick to the process and your timetable and you WILL get your money back. I am just waiting for my money to get credited to my account, £1400 settlement in full.

Good Luck and keep us informed:D

[ukdickie31]

Hi Shy_Rhy

 

Keep to that deadline.

 

Expect the fob off.

 

Get the next letter ready !!

 

Get another bank account set up and ready to use as well just in case.

 

Good Luck

[shy_rhy]

Have issued 'Letter before action' 8th August as HSBC couldn't even offer a reply to the preliminary request.

I have to complete the money claim form on 22nd August.

I can't believe the standard of service from HSBC every dealing I have with them, the more I realise that I cannot let them get away with there actions.

£2710 plus in charges over 6 years is a big amount of money to take unlawfully.

I expect no reply from the second letter so I am fully expectiong to go to court.

 

Is there any other underhanded tactic I should expect before the 22nd August?

[rdm2006]

Thay Acknowledged the court action with minw which gave then a further 14 days, however, i received my 1st offer the next day so dont worry too much if that happens to you

[ukdickie31]

Hiya Shy Rhy

 

I emailed and hope you have time to read it.

 

Pretty much as the above posts...

 

Hold your nerve and keep going !!

 

It's a game of chicken....

[shy_rhy]

Although a second letter was issued on 8th August requesting £2710.86 plus 8%, I received a response to my first letter sent on 25th July with an offer:

 

Whilst not accepting Liability blah blah... to save management time and potential court costs we offer £1930 sign confidentiality agreement and close the matter.

 

Do I accept this as partial payment of full sum?

 

Do I respond?

 

Is there a template for accepting this as partial payment?

 

Shall I still keep to me orignal timeline as moneyclaim form should be completed 22 August?

 

Any Advice the offer surprised me, the wording is ridiculous!

[markd]

Reply to them stating that you will accept this offer as partial payment only, and that you will be continuing your claim for the full amount. There is no template as such, but there are letters people have used on here somewhere, just had a quick scan but can't find any!! I'm sure someone else will point you in the right direction!!

Yes, keep to your original timescale! You've told them that you'll take part payment but will be continuing your claim, so continue on!!!

Good luck!

[MARTIN3030]

Yes you should proceed as per timescale.

You could write to them just something short but to the point.

 

Ref ......

 

Dear......

 

Thank you for your offer of .............in response to my letter of ..........

From the outset I have made it clear that I am seeking repayment of all charges levied against my account which total...........

For this reason I am unable to accept this offer,however I am prepared to take this as a part settlement.

I will of course be pursuing recovery of the remainder,and would remind you that County Court action for recovery of all charges will commence as previously advised,without further notice.

This will include additional costs to yourselves for court fees and interest.

 

I trust this clarifies my position

 

Yours etc

 

 

It is likely the offer will be withdrawn.

[angela1606]

hi did you add 8% interest on your lba letter as your not allowed to do that till you file a claim

[shy_rhy]

Thakyou for your advice and the template you sent. Will post letter accepting offer as partial payment and issue moneyclaim on 22 August

Really appreciated your advice and reassurance

[shy_rhy]

I have just completed my moneyclaim on line form ready for submission tommorrow. Do I use my a branch address as the defendant or is there another address I should use? All my correspondance has been issued to the branch.

[angela1606]

no for moneyclaim use the 8 canada square address its in contact info

[shy_rhy]

Thanx full steam ahead for submitting claim tommorrow.

[MARTIN3030]

HSBC plc. HSBA. Head Office: 10 Lower Thames Street, London, EC3R 6AE Tel: 020 7260 0500

 

 

Usually its a head office and I got this.

 

 

If Monetclaim does not recognise it then it will tell you.

 

In fact you only have to put in the postcode and it will also fill in the rest !

[shy_rhy]

I don't know why but I feel very nervous now I have completed my moneyclaim form on line. Will keep you posted! I've never done anything like this before I usually struggle to complain at restaurants etc...

I half expect a response from my second letter this week as it seems HSBC are clueless when it comes to correspondance.

Wish me luck

Shy_Rhy

[ukdickie31]

Hi Shy_rhy

 

You will probably get the acknowledgement together with the "intend to defend" bit ticked.

 

Just sit back and wait for the D&G envelope.

 

If they want to worry you a bit, they will delay this letter until the very last minute.

 

Just hang in there.

[ukdickie31]

... and just when you really start sweating..... along comes another D& G letter offering you the full amount.... without liability of course !!

[MARTIN3030]

Ditto .....you have done all the hardwork now its just a wait..........but a wait thats worthwhile !!

 

[angela1606]

i agree completely hang in there we are right here with you good luck

[shy_rhy]

Just to keep you you updated.

 

MCOL completed 23/08/06 acknowledged 25/08/06 since then although the post man has been I heard absolutely nothing? Its says HSBC has 28 days to defend, what should I be expecting next. A letter from D AND G SOLICITORS? I feel like the claim has lost momentum, is it just a waiting game from now?

[Michael Browne]

Section 6 and 7 here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

[ukdickie31]

Hi Shy Rhy

 

Remember the game

 

You did your MCOL.

They do their acknowledgement

They issue a defence..

 

what comes next is your choice..

 

You worry

you cave in

you lose

 

Or

 

you just hang in there, keep reading the forum, keep messaging, keep getting replies and you WILL get your letter and your refund.

 

You hold all the cards, not them.

 

Go for it and keep us updated!

[shy_rhy]

So MCOL acknowledged 25th August - they have 28 days

 

Received a letter today from DG Solicitors I saw the letter head got excited thought the settlement had arrived but no.

 

DG Solicitors require a breakdown of the charges I am claiming for, I have issued these charges to HSBC already twice,

 

what are they upto?

 

Should I send the breakdown again?

 

Should I type a letter telling them I have supplied the breakdown twice and that I cannot be held responsible for HSBC's incompetence, if they represent HSBC why should I provide the same information a third time.

 

Any advice?

[ukdickie31]

Hi shy rhy

 

I would type your letter as you stated but enclose the breakdown.

 

This is just a delay / stalling / worrying tactic. etc. It's their game. They still have a clock ticking.

 

You have sent the breakdown twice already. I think your letter and the third breakdown just goes to highlight their incompetence and won't impress the judge should it get that far.... which it won't.

 

Keep a copy of all correspondence and send it recorded delivery - even drop it off by hand... it's not far from you !