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I followed the step by step guide and was offered £775 from HSBC (The total they owed me was £1092), I was asked to sign the letter of acceptance and they would credit my account. I did sign the letter but added a paragraph to it saying I was accepting this payment as the 1st interim payment against the total outstanding. The £775 was credited and did not hear from them about the remainder so I sent the letter before action again saying I was awaiting remainder of money owed. They have now sent me another letter offering £330 (which more or less adds up to the total they owed of £1092). I have to again sign the letter so they will credit it to my account and I will put on the letter 2nd interim payment. So you could say I have WON. However, the downside is that STUPID bank, even after paying me back the charges have once again charged me £30 for an unpaid item :-x (which they promised to pay) so the whole saga doth start again .................. lol


Thank you so much to this site for all your help and advice.:grin: The whole process has only taken a few months (I sent my first letter 24 August 2006)


Recommended you to loads of my friends in similar situation.


Thanks, Thanks and Thanks again



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