a question on what to do next

[chocky007]

Prelim letter sent to requests charges back, and had a response offering part of the charges back but only a small part, which letter do I send next as the LBA doesnt seem to reply to their response.

 

Cheers

[conkenneth]

hi, im in same boat,offered part of charges back,but wrote back asking for full settlement,10 days ago,dont no what to do next,any advice cheers ken

[carolinee]

Hi Chocky

 

On the assumption you are rejecting this offer, I would just send the LBA but slightly amend the first line to read the following

 

"I am very disappointed that you have failed to respond to my letter of the [XXDATEXX] in a satisfactory manner."

 

Leave the rest of the letter as is.

 

Just stick to your timetable and follow the standard process of claiming and you will be fine.

 

The banks just stick to standard formats for letters - thats what you do.

 

Good luck and have fun:)

 

Caroline

[memoryman00]

You could accept the offer as partial payment towards the full amount.

 

Stick to the timetable but you could send them this

 

 

 

Ref: **********

 

 

 

 

Dear

 

Thank you for your offer of £xxxxx as full settlement of my claim for £xxxxxx

 

I regret to say your offer is not satisfactory. As stated in my previous letters to your offices, I will settle for nothing less than the full amount levied against me in unlawful charges, without conditions, from the 23rd February 2001 to 2nd May 2006.

 

Furthermore, unless this matter is resolved to my satisfaction before the 4th July 2006 as per my stated timetable, I will proceed to issue a claim for recovery of this sum in the courts, plus costs, plus £xxxx in interest as allowed under section 69 of the County Courts Act 1984 at a rate of 8% a year.

 

Yours faithfully,

 

 

or ....

 

 

 

Ref: xxxxxx

 

 

 

Dear,

 

 

Thank you for your offer of £xxxxxx, on 18/07/06 for my claim of £xxxxxxx.

 

I wish to accept your offer of £xxxxx, as part settlement towards the full amount owing, £xxxxx.

 

Only, when the £xxxxxx is paid in full, will I cease my court action against HSBC.

 

If paid in full I will not pursue the additional charges added to my account and accrued interest, as an act of goodwill.

 

Furthermore, unless this matter is resolved to my satisfaction before the 4th July 2006 as per my stated timetable, I will proceed to issue a claim for recovery of this sum in the courts, plus costs, plus £xxxx in interest as allowed under section 69 of the County Courts Act 1984 at a rate of 8% a year.

 

I am entirely confident that the charges, imposed by HSBC, are completely unreasonable & having been deemed unlawful by the OFT, a court would agree with this statement.

 

 

Yours faithfully,

 

 

 

Just ammend them to suit your case.

 

GOOD LUCK !!!