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    • Also, in respect of these recent developments concerning the rights of leaseholders and their lessors, I haven't followed it too closely, but aren't you mixing up service charges on one hand with ground rent. I do understand that it seems that landlords are pretty unfettered in terms of the level of ground rent they can apply – but I would have thought that service charges – which represent actual expenditure have to be accounted for. Have I got this wrong?
    • Thank you for all of this information. However, I can imagine that most people won't be able to go through it all – partly because there is so much of it but also because it is presented in a tightly packed block of text. It would be much easier if you would space it properly so that it was presented more accessible way – but then put into a PDF document which could be uploaded onto the forum. That means that people could have a look at it by downloading it and then sizing it to suit their own computer screen and their own convenience. I did ask you how much you had paid in the first cheque which was eventually returned to you – and I'm not sure that you have answered this question yet. If they come round to issuing a claim against you, it could be very important to know this. If you have answered this question already then I'm afraid it's lost in the large bulk of the information you have provided.  
    • FREEHOLDERS BE AWARE!   I have discovered the answer to my question - please read because anyone else out there - until this legal loophole is changed take great care before thinking you will have justice regarding leashold overcharging. Most leases check yours! have a clause whereby they can charge the leasholder whether they win or loose. So like Mr Barclay you might, even if you win the case, have to pay the freeholders legal charges! Criminal ! I am so pleased i spotted this before I defended myself against the unjust bills.    Put simply until the law changes (especially if you are non residential and have no tier tribunal) there is no facility to challenge unreasonable leasehold charges.   Leaseholders to benefit from closure of legal loophole According to figures in The Times 5.3 million (21%) homes in England and Wales are leasehold, meaning the property is not owned outright but is instead ‘leased’ from the freeholder, typically for a lengthy term. In a leasehold arrangement there will usually be a contract between leaseholder and freeholder which sets out the legal rights and responsibilities of each party. Generally these will be that the freeholder maintains the common parts of the building and the leaseholder pays maintenance fees, service charges and a portion of the buildings insurance. But what happens if there is a dispute as to those fees or some other matter? Currently if a leasehold property owner takes the freehold owner of the building to court, a legal loophole means they could be burdened with the opposing party’s legal costs – even if the leaseholder wins. The legal bills involved can amount to tens of thousands of pounds, adding a sting in the tail to any victory. However, after the Sunday Times launched an investigation and uncovered legal bills being levied of up to £60,000, Secretary of State for Housing, Communities and Local Government James Brokenshire MP has pledged to take action and close the loophole. The loophole is contained in the majority of leases which typically allow freeholders to recoup their legal costs from leaseholders, even if the freeholder loses the case. There is no parallel right for leaseholders to claim costs back. The Times reported that last year leasehold owner Richard Barclay successfully recovered £1,200 of a £10,100 service charge from the management company in respect of his central London Flat. But the victory soon turned sour when Barclay was hit with a bill for £61,300 in legal fees by Quadrant Property Management who takes care of the building. Barclay challenged the costs and the bankruptcy court reduced these by £12,500, but tribunal has ruled that all other costs being challenged are reasonable. Back in 2015, a similar situation arose when the leasehold owners of 30 flats in West London took the freeholder to court and won a £29,000 discount off their service bill. The managing agent’s bill for legal fees in that case amounted to more than £44,000. According to the Times, in 2014 / 2015 A2Dominion housing association who managed the block charged its leaseholders £24,167 for legal costs. One year after, FirstPort billed leaseholders of the wider estate £20,160 for what was thought to be the same legal costs. The Times further reports that in 2017, two leaseholders took A2Dominion to tribunal regarding £12,500 claimed through their service charges for roof repairs. Those costs could have been recouped instead through the buildings insurance policy. This time the money was refunded just before the hearing – but this time the tribunal banned the association from issuing the claimants with a legal bill. When presented with the details of two of these cases, James Brokenshire responded by stating: “It is the secretary of state’s intention to close the legal loopholes that allow freeholders to unjustifiably recoup legal costs from leaseholders. This will form part of our broader package of leaseholder reforms. We will do this as soon as parliamentary time allows.” His promise is one of a number put forward by the government – it has also pledged to ban the sale of new build leasehold homes, and to cap ground rents on new leases. It believes: “… when someone buys a house, it should feel truly their own. House buyers should not be faced with a depreciating lease or a ground rent charge for any other purpose than to pay for the privilege of living in the house they havealready bought.” (October 2018 Consultation) The Law Commission is currently conducting three sub consultations in this area and the reforms are likely to follow their completion. These are: ·        Leasehold enfranchisement ·        Right to Manage ·        Commonhold James Brokenshire said he wanted a leasehold market where people were able to challenge. He showed concern for  an inequality of arms that was preventing people from getting the outcomes, fairness and justice that they require. What can I do if I have a dispute? The first place to look if you have a dispute regarding a charge is your lease. You can only be charged for items listed in the lease so if, for example, there’s no mention of management fees or the cost of improvements, you won’t be liable. If you’re not sure whether your lease allows the charges you’re disputing, ask a solicitor to check it for you. If you’ve received a service charge demand, check it carefully. It should state the name and address of the landlord at the top (not the managing agent, unless they are also the landlord). The exception to this is if the managing agent is a party to the lease. It should also contain a summary of your rights and obligations which can be found here. If you believe the certain items are excessive, request a summary that shows how the charge has been worked out and what it will be spent on, with receipts. The freeholder cannot refuse to supply this – to do so can attract a £2,500 fine. If an item seems too high, get comparable quotes. This will help you demonstrate that the same services could be provided at a significant cost saving. By law the landlord must behave in a ‘reasonable’ manner with regard to its expenditure on the building. Whilst there is no duty to minimise costs, service charges must be ‘reasonable’ and where the charges relate to works or services, the works or services must be completed to a reasonable standard. Before you consider making a challenge, speak to neighbours who are in the same boat. They may consider bringing the challenge with you. You should not stop paying the charges. Instead, write to the management company and provide evidence such as quotations to show that the charges are not reasonable. A solicitor’s letter may carry more weight, particularly as it can set out in legal terms the landlord’s duties regarding charges. If the management company does not agree with your challenge, mediation may be a good way to resolve the dispute. This involves sitting down with the other party and trying to find a way forward, with the help of a trained mediator. It is typically far cheaper than litigation. Another option may be to take over the right to manage the development. Speak to a solicitor about whether this may be possible. The final option is to apply to the first-tier tribunal (England) or the leasehold valuation tribunal (Wales) for a ruling on whether the fees are payable. There’s a £100 application fee and £200 hearing fee in England, or a £50 – £350 application fee and a hearing fee in Wales. If you are successful, you can ask the tribunal to limit the landlord’s ability to recover its legal costs through the service charge. However, they don’t have to agree to this and you may face a substantial charge.        
    • I think you could usefully telephone the Sunderland County Court during the week – maybe Wednesday to find out the progress of the warrant and what date they imagine that they are going to go round and execute it. They might also tell you whether they are preparing to make a visit or whether they are going to do it by letter initially. This kind of information is available – because about 10 years or so ago, we sent the bailiffs into the Royal Bank of Scotland in Camden Town and we managed to get the data in advance and we had the press waiting to report.     https://www.standard.co.uk/hp/front/customer-sends-bailiffs-in-to-seize-bank-s-computers-7197321.html oh how we laughed    
    • Incidentally, don't state a deadline for action in the letter. I think that this adds to tension and it's not necessary. You simply allow them five days – but don't refer to that timescale
  • Our picks

    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Hannah V HSBC


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Hello to everyone..............I am currently banking with HSBC (for my sins) we have 2 accounts one for bills and one for day to day expenses, plus a savings account and a credit card.

 

I have spent all weekend preparing bank statements and writing a letter to our previous bank, Halifax, asking for £3898 back over 4 years of unfair charges. This has driven us to look more carefully at our account with HSBC. The charges which they are inflicting on us are huge, and without realising it, we are £800 (our overdraft is only £500) overdrawn which is made of of about 75% bank charges just piling on to of each other! It has just become to huge to pay back in one payment and yet they continue to charge us (one month nearly £200!!!!!!!!:mad: ). I want to begin action against them as well but am concious that we are in a sticky situation begin so overdrawn and I am aware that they may get nasty and demand we pay this off. Also it puts us in a difficult position to move onto another bank. Who is going to want to take us on with such a huge debt, whethers its of our making or not? :sad:

 

Any advice from anyone would be most warmly welcomed. :D

 

I feel that we should bid our time and wait for Halifax to payout and then make a claim against HSBC, but its so frustrating to know that at the end of this month they will be taking even more money from us, I want to do something about it now!!!!

 

Please help.................

Hannah Bananna :|

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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Hello Hannah and welcome to the site

 

HSBC hav'nt been closing accounts on the first claim so you should be OK although i can not gurantee that. It may be wise to open another account somewhere just in case

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Well things are not going well. I was called in today to the customer realtion officer because of our huge overdrafts. I have had to agree to take out a Flexiloan with them to pay back everything I owe ( 75% which is their charging I will add). So now have a loan for £1800. Not only are they charging me £150 this month, they are also now expecting me to pay £72 per month for this loan. I KNOW how stupid am I but my husbands card was swollowed and I had to give my credit card back!!!!!! I was so angry.

 

However, I got my "missing" statements out of them whilst I was there, it turns out they never changed our address when we moved in february, even though we told them twice, and our statements have been going to our old address. Any way I am upto date and ready to post my letter asking for the charges back.

 

So I now have a claim against Halifax for £3898 and am preparing another claim for HSBC for about £2000. If I win..........bring it on

 

Hannah Banana :evil::evil::evil::evil:

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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Hi Hannah - its enough to drive you mad isn't it!

 

You WILL win and get all the money they have taken returned; each charge they apply in the meantime, just keep adding them to the spreadsheet.

 

We found the Alliance & Leicester very good for a new account - we had a poor credit rating, and they have set us up with no problems. They will not allow an overdraft for 6 months, but anything to move from HSBC after 19 years!!

 

All the best with the claim,

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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Sorry you didnt get an answer before, Hannah.

 

Right, new bank account. Lots of basic accounts around, Natwest step, I hear, is easy to get. TBH, unless you have a default somewhere, changing banks might not be that difficult, when I changed a few yrs ago, my o/d was nearly 2k, and the new bank took us on without blinking. If you start using the new account from scratch, then you won't have to worry so much about the HSBC one, as you'll know that they can pile charges as much as they like, they will only have to take them off again at the end of it...

 

OTOH, if you want to concentrate on Halifax, that's fine too... Trust me, the buzz when you get your money back from Halifax will fire you up so much that you will be LOOKING for the next target! lol.

  • Confused 1
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Hi Hannah,

Great advice from Bookworm as always.

 

I would open a new bank account right away if you can, and as bookworm said, this will allow you to run an account where there is no overdraft to eat up your money every month. Several are now very understanding about credit history - they have to be with the whole country in debt, so you should have a choice. We found Alliance & Leicester very straight talking and their terms and conditions are in print that you can actually read! They offer a couple of internet based accounts that allow you to really keep on top of your finances - it has helped me become much more organised with our money.

 

If you have the energy and time while you are taking on the Halifax, I would start on the HSBC account as soon as you have set up an alternative account with a new bank. And if you do have internet access to your HSBC account, you can get all the statements for 6 years on line (avoid all those duplicates they love to send)!

 

Best of luck with the new account. lol

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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  • 1 month later...

Well here we go all over again. Im new to the HSBC part of the site and thought I woould just say hi. Having done my calculations HSBC owe us £1659. Funny how it seems so similar to the £1600 loan they made me take out at the begining of August!!!?????!!!!:wink:

 

 

Hannah

 

Halifax £4700 **settled in full**

HSBC 1st letter sent off

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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  • 2 weeks later...

Well I sent my 1st letter asking for money back some time ago and I have not heard any reply! which surprises me as we bank with HSBC.

 

I sent the letter to the Head of Customer Relations in London. Any body not had a respnse from this guy as well, who is best to send the 2nd letter to?

 

Thanks

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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Well I am going to send to the same man again and cc to one of his minions as well in the in the hope some one will take some responsibility....ha ha this is a bank we are talking about............

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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Well I still have not heard a thing from HSBC. Sent my 2nd letter today, again to David Lewis at Canada Square in London. I hope that I will hear something soon, its a little strange how its all gone so quiet?

 

Has any one else used this contact to send stuff in. As we bank with HSBC we are hoping to have had a response by now in the form of a letter or phone call but there has been nothing.........

 

Any way on we go to Court again, they should take notice at that point.

 

:(

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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Hi Hannah,

 

I sent my LBA today too - my preliminary letter was also addressed to Mr. Lewis and I didn't receive a response either. I like to think it's because he's received so many letters he can't get through them all. :)

 

You're right about the court action - that's when the HSBC seem to pay attention, I'll be ready to file my MCOL at the end of the month.

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Many thanks good to know some one else is having problems. Our account has been down graded to a solo card!!!! because we are struggling to pay THEIR charges each month, they want to make sure we are able to handle our account well before giving us a switch card back again........I AM SOOOOOO ANGRY

 

How dare they treat us like children, when its THEIR HUGE charges which are causing us all the trouble, another £125 to add to the long list......not a happy bunny this morning. Luckily we have opened a new account else where and I will be transfering everything over this month.

 

Bring on Court, I want to go before a judge (shame it will never happen).....:mad: :mad: :mad: :mad:

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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I sent both of my letters to David Lewis and didn't hear anything until 2 days after I'd filed my MCOL, obviously by then it was too late. Bad luck HSBC! :D

 

Just waiting to hear from the Solicitors now. Fingers crossed.

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I sent Prelim to him also & havent heard anything yet. Keeping it well diaried for the 14 days exactly. Another £125 gone from my account as well today plus £16.25 interest! What bank have you transferred to Hannah? I have only dared to try & open a step account with the Nat West so far but would like to have an account with switch like a normal person who is earning a good living but being persistantly ripped by these people. Have you noticed how they seem to wait until your account is most vulnerable before applying these charges?

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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yeah they are really really good at doing that lol. i opened my second account with barclays and got a switch card just fine. easy and quick to open the account too. hope that helps :)

  • Confused 1

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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Yes it does I will apply online for them instead. Note your comments on other thread Kazzy re bandits. I totally agree with everything you have said. they couldnt careless if you & your kids have to eat dirt as long as they can rub their hands together at the thought of more charges

I had a cheque bounced for the survey on my house. I was downsizing to try and help the financial situation. The money was in the account. When I went into the branch to blow a gasket they just put me with some total halfwit goon who could only offer me the charges back. Big of them eh? I put in a formal complaint to the FSO I included all manor of other things as well eg losing a cheque I paid in for 3 weeks etc. Yest I got a call telling me they were going to approach the HSBC for the standard compensation of £50!!!!!!!!!!!!! Unfortunately, they couldnt get through. Perhaps if they fly out to India they would have a better chance. I feel like telling them to stick it Id rather pursue the bank charges side of things but they do fine them £500 I think for every report made so dont want to let them off the hook for anything

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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good for you! use all avenues available, i say. the uprising of us "little people" is long overdue lol. they need to be made accountable for all the disgusting corporate theft they have gotten away with at the cost of their customers.

 

best of luck with your claim and complaints. :D

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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Hi Jaynekul I went to the Coop bank. Mainly because of work for the County Council and the coop bank are renound for liking you if you are emplyed by local authority. They were wicked, full Visa Debit card on its way with a £100 overdraft free of charge! and NO minions in New Deli!!!!!!! I have actually spoken to the same lady who open my account WHENEVER I have called in to ask questions. Phone number straight to the bank and they have a moral code which is really good about how they invest their money etc etc. I was amazed at the speed of service.

 

Dont go to NATWEST they are awful and the next bank on my hit list.....I had nothing but problems which escilated into a member of staff verbally abusing me at the branch!!!! They are going to be my hardest and favorite which is why I have kept them to last. The other Bank I can recommed is Alliance & Leicester, they seemed to know what they were doing as well. You also get money if you open one of their accounts - cant remeber which?

 

Hope this helps :)

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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Thanks to you all for your help. applied online to barclays got to wait the 4 days for a decision. If a no will go to Coop only down the road from where I work

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Well I have decided to back up my LBA and sent another copy of the LBA letter and list of charges dated 14/10 to HSBC, just to remind them that the clock is ticking. Want to make sure that I have given them every opportunity.

 

Having read across this site I see that HSBC seems to be playing the silent card. Maybe new policy?????

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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I have recd Ack letter saying will investigate in the fullness of time LBA tomm#~!

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Oh lovely....put you back in your place. Ignore it, if it doesn't contain a cheque carry on as you would. Make sure you keep to your 14 days.

Hannah :p;)

 

Halifax Plc (1st claim) £4200 **SETTLED IN FULL**

Halifax Plc (2nd claim) £ 320 ** SETTLED IN FULL**

HSBC Bank Claim for £1700 **SETTLED IN FULL**

HSBC Bank 2nd Claim £800 ** SETTLED IN FULL**

Cooperative LBA sent Court claim in on the 24/5

NATWEST - my final and biggest claim (watch this space)

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