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new girl Sarrah v HSBC - SETTLED IN FULL


Sarrahk
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Write back placing the amount in dispute IMMEDIATELY. Once it's in dispute they cannot take ANY punitive action. There's a template somewhere :confused:

 

Placing it in dispute will give you TIME to get this claim in, and to sort things out.

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Yes, reply to him.

 

I guess all you have to say is something like the following:

 

Dear Mr Bowden

 

I am in receipt of your letter regarding my overdraft being outside the limit agreed with the bank. However, as the account is in this state purely due to the unlawful charges levied by the bank on it, charges which I am at this moment legally challenging, I dispute that I owe this money in part or at all.

 

Therefore I would be grateful if you would immediately freeze any action you propose regarding this amount pending the result of my imminent court action. Take formal notice that as of the date of this letter, this amount is in dispute.

 

I KNOW there is something better out there but I think this serves the purpose.

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thanks guys, i will send letter to M Bowden that stonelaughter is suggesting.. do you think i should also send a scathing letter about this to A Pretty and those jokers at leeds as well who i sent my LBA too ?

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This is the letter i propose sending:

 

I am in receipt of your letter regarding my overdraft being outside the limit agreed with the bank.

The account is however in this state due to the unlawful charges levied by the bank and I am in the process of legally challenging these charges. I dispute that I owe the amount in excess of the limit as in fact HSBC owe me £104 on this account due to unlawful charges levied since the account was opened. Once this has been credited back, the account will of course be restored to within limits and I will be in a position to make further repayments to my overdraft.

 

Therefore I would be grateful if you would immediately freeze any action you propose regarding this amount pending the result of my imminent court action.

Take formal notice that as of the date of this letter, this excess amount is in dispute.

 

Think its ok??

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no its having none of it, cant work out deletion.. far too technical!

 

Anyway thanks stonelaughter i will send that off today special delivery for sure..

 

I better also prep this claim over the weekend before they take me to court first if i am not careful!!!.. .. aaahh what a stress :o

 

I vow that if i ever get rich one day i intend never to use banks again but store my millions in biscuit tins under my bed :x !

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oops i posted twice.. can someone delete one?! I am such a numptey :lol:
Sorted - and don't worry, you WILL get your money back. Good luck. :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull 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, you are advised to seek the opinion of a qualified professional.

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many thanks spiceskull! i hope you are right about getting my money back but the banks REALLY dont like me!

 

Letter has gone off to M Bowden registered post today...

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i hope you are right about getting my money back but the banks REALLY dont like me!
They don't like me either, but I still got every penny returned...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull 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, you are advised to seek the opinion of a qualified professional.

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After my dramas with the bank last week.. saturday morning i received a leter from bank offering me my full £198 in final settlement !!! I sent back immediately by recorded delivery & have asked for it to be transferred straight to my account so just waiting now!! :)

 

Am so delighted! :D Thanks guys.. a wee donation will be en route once the money hits!

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Dhum, dhum, dhum...another one bites the dust. Great result - well done.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull 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, you are advised to seek the opinion of a qualified professional.

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CONGRATULATIONS

This is great news, well done.

Would you please fill out our survey - HERE

(and don't forget we can only survive if we get donations!! cough cough)

..

.

 

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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  • 12 years later...

This topic was closed on 2019-03-08.

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If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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