Preliminary approach for repayment

[patsyrooney]

I am just about to send preliminary approach for repayment to HSBC. I am a little confused as i have made a schedule of charges but used a template which calculated also 8% interest.

Just as I was about to send I noticed a warning saying do not include the 8% until you reach court.

Looking at the preliminary template letter i have to put the amount that i require plus an amount i have been charged in overdraft interest. I am unsure how to calculate this?

This is all quite new to me and maths was never my strong point.

Can anyone help?

Patsy

[lesser1010]

you only claim the 8% interest when you file your court claim.in the prelim and lba it's just for the return of the charges made on your account.

[callumsgran]

if you havent been charged any leave it out!

it means the amounts they've charged you on your unauthorised interest, they will be on your statements.

if you have an authorised o/d then you dont bother claiming ok?

[mzteery]

just to make sure which one is the prelim letter and which one is the lba

 

im confused:-(

[Phantasy]

Hi ppl,

 

Do I have to add the dates of the bank charges and the amount in a table and include that into the letter at all?

HEEEEEEEEEEELP

[Tina1958]

Hi there,

 

I sent my prelim letter and got a reply which I don't understand, or know what to do about next.

I would really appreciate some help, I have pasted my reply below.

 

Thanks in advance!

 

Tina.

 

Our Ref~ 276123910

HALIFAX

28th August 2007 Halifax plc

Customer Relations

P0 Box 548

Leeds

LSI IWU

 

Tel No: 0845 003 9793

Fax No:

 

 

 

Roll number:

 

Dear Mrs Bennett

 

Thank you for your communication, we aknowledge receipt of your complaint about bank charges. We believe that your complaint concerns the level, fairness or lawfulness of the charges- if it concerns something else, such as an administrative error, please let us know.

 

We believe the charges are fair transparent and lawful Please be advised the bank (along with a number of other banks) has now become involved in legal proceedings with the Office of Fair Trading (OFT) in relation to bank charges which we believe will resolve the legal issues regarding the fairness and Legality of your bank charges

 

It would be our normal approach to resolve your complaint through our internal complaints process as quickly as possible. However, until the determination of the legal issues in the above proceedings, we have asked the Financial Services Authority FSA) to suspend the normal timetable for dealing with bank charges complaints, arid the FSA has agreed to this request subject to conditions that protect your rights

 

We can assure you we have registered and stored your complaint. Please retain your bark records, as this will make it easier for you to support your complaint on resolution of the test case,

 

Once the legal proceedings between the OFT and the banks finish, we will resolve your complaint as quickly as possible.

 

We are sorry that we have not been able to respond in full to your complaint now, but we (together with the FSA and the OFT) think that it is necessary to resolve the key legal issues before we decide how we should respond to your complaint.

 

Obviously exactly what will happen next will depend on the courts, We do not know how long the case will take we have promised to proceed as quickly as possible but inevitably given the importance of the issues being considered this may take many months to finally resolve. But we can assure you That once the legal proceedings are completed we will resolve your complaint as quickly as possible- If at that stage you do not agree with our conclusions you will of course be able to refer your case to the Financial Ombudsman Service (FOS) (or to the courts)

 

Given this court case we have asked the FOS not to proceed with any other case They are hearing until the test case is resolved- FOS has indicated that as a general proposition it will indeed not proceed with cases which rely on the legal issues being considered in the test case

 

Similarly, you should be aware that if you choose to issue a claim in the Courts, the bank will immediately apply to the Court for an order to stay your action until resolution of the banks proceedings with the OFT.

We will keep you updated appropriately about the proceedings with the OFT, You can also check the latest position on our websites at Halifax.co.uk or

Bank Of Scotland - Home -.

 

Thank you for your patience.

Yours sincerely

 

Amy Fuminger

Customer Relations Officer

Customer Relations

[**Tilly**]

hi tina i notice you have a thread for the halifax forum if you use that thread to post you will get all the help you need in there

this is the new letter that is being sent out carry on with your timescales and send your lba

[Tina1958]

Hi Tilly,

 

Thank you for your help.

 

P.S.... Can you please point me in the direction of the halifax forum? I have looked all over the site but can't find it.

 

Thanks again,

 

Tina.