A Tale of Two Payments?

[Nigel Willetts]

Hi, I have trawled through the postings to determine if anybody else has had an experience similar to mine, but have yet to find such a person. Please advise, if you can, on my particular scenario with HSBC:

 

Letter received on 21/11/06 from DG Solicitors informing of intention to repay full charges, without prejudice.

 

Letter received on 24/11/06 informing me that my account has been credited with full amount. This was not what I requested in my claim, I specifically requested payment to be made in the form of a personal cheque.

 

A variety of telephone calls to DG Solicitors and HSBC resulted in a personal cheque being issued on Monday 11/12/06, which was paid into my Nat West account on Tuesday 12/12/06.

 

Friday 15/12/06, I received a letter from County Court, advising that the time for my defendants to file their defences has now elapsed. I was sent an allocation questionnaire to complete, requesting a further fee of £100, to be completed by 02/01/07.

 

This morning, Saturday 16/12/06, Nat West informed me that HSBC have instructed them not to honour the cheque! As it is Saturday, I cannot contact either HSBC or DG solicitors to determine why.

 

So, from 21/11/06 to present, I am no further on in retrieving my money. My family and I were heavily dependent upon such money to fund Christmas for our three children.

 

It looks like I will be the test case, which I am more than happy to take on. Has anybody else had a similar experience of a cheque being issued, and then withdrawn? Can anybody else please advise?

[Nigel Willetts]

So you had the potential situation of being paid "twice" ? You don't say what happened to the BACs deposited they put into your account.

 

Posted by bidstermeister

[Nigel Willetts]

The funds deposited were due to be cleared at the close of trading Friday. Nat West informed me this morning (saturday) that the cheque (and subsequent funds) were returned to HSBC via the Nat West fraud department, on the advice of HSBC. So I am back to square one and will need to pursue through courts once again. In a perverse way, I would love to take my case to Court and be responsible for opening the floodgates!

 

Any one else experiencing similar?

[Nigel Willetts]

stop, hold the panic. i think, although i've no basis for this, just throwing this out there - i think they are reacting to the possibility of paying it twice - sort of left hand didn't know what the right hand was doing. you got it into an account - their error -you wanted a cheque, so, at this point when you were talking to them - what happened to the money they had put into your account?

 

leave the a.q. and all talk of further action to the side for the moment -

i think you are sorted - it's a misunderstanding of where the money went.

 

so, if we are to sort it out logically - what happened to the money in the account.

 

i think perhaps you won't be able to sort this with hsbc today - although you could try one of the 800 numbers - i think you need to lay it out - then send your summary to dg, e-mail it to them as well and then call them first thing monday a.m. i think it will get sorted.

 

did you move the money in your account, did they take it back or is it still there?

you won't be a test case.

[lateralus]

that post number 4 was from me (lateralus).

i advised nigel to start his own thread where he would get more exposure and more help. also told him to cut and paste the relevant postings.

just in case anybody thought nigel was having a really off day talking to himself.................... so, anybody else????? to calm his jangled nerves.

[gizmo111]

We need to know what happened to the money that was deposited in to his account before we can advise.

[lateralus]

this was the last post before he started his own thread:

 

 

 

#37 (permalink) Nigel Willetts vbmenu_register("postmenu_436501", true);

Basic Account Customer

 

Join Date: Aug 2006

Posts: 9

 

 

Re: Hsbc To Defend!!!!!

Thanks for all who took the time to post response. I feel a little easier now. lateralus, I think that you might be correct in your assumption that they are possibly reacting to paying the money twice. As for money in the account, I have no way of knowing what has happened to it - I have not used the account for years and have since forgotten passwords etc for on line banking to check. Will create a new thread. Many thanks.

vbrep_register("436501")

[gizmo111]

Well I suspect as has already been said that the cheques was stopped as they had already paid and not removed the money they paid in. Best ring bank monday to clarify.

[Nigel Willetts]

Contacted the Bank first thing this morning and they were quite helpful. They can see no reason for why this has happened, are investigating this morning, and have promised me an answer later this morning. They did say that the initial sum of money paid into my account was subsequently withdrawn upon issue of the cheque. Strange! Will keep you updated as and when I hear anything!

[gizmo111]

Contacted the Bank first thing this morning and they were quite helpful. They can see no reason for why this has happened, are investigating this morning, and have promised me an answer later this morning. They did say that the initial sum of money paid into my account was subsequently withdrawn upon issue of the cheque. Strange! Will keep you updated as and when I hear anything!

 

Probably a case of one not knowing whta the other is doing. Hope its sorted today for you.

[Nigel Willetts]

Numerous telephone calls to HSBC, with promises of return calls which have not materialised. Apparently, so they claim, two cheques were sent out to me. One on 30th November, which I never received, and one on 7th. December, which I did receive and presented to my bank. Would you believe that this is the cheque thay they cancelled, rather than the one allegedly sent on 30th. November?

 

I am trying to arrange a direct bank transfer from HSBC to my current account, in light of their monumental cock ups! Do you think that they will/should agree to this? Otherwise, there is no hope of me receiving the money before Christmas.

[lateralus]

i think they owe you an apology for besmurching your name with natwest.

the very least they can do is expedite the money! now natwest thinks you are involved with bank fraud. (i don't think they would really think this - it's just a little paranoia to feed hsbc). good luck - you'll get there - hopefully sooner rather than later - call them again!

[babsp2000]

Mammie L - whats all this, besmurch + expedite, big words.....on a monday......I ask you, where will it end?!

[Nigel Willetts]

Hi.

I have been telephoning HSBC since 9.00am this morning and still await a return call from them at time of writing - 4.00pm. Whenever I call, I have to explain my situation over and over again and the poor person on the other end of the telephone informs me that they will speak to their 'specialist' department who will telephone me straight away. I still await such a call. Another day wasted. Off to try again!

[lateralus]

get names and ask try to get same person, if not - go up a step - like "can i speak to the person in charge, please".

[Nigel Willetts]

The plot thickens! It transpires that somebody at NatWest has deemed it appropriate to stop the transfer of funds. HSBC are totally innocent and assure me that they had no involvement or reason to stop the cheque, or the payment. Nat West are a little jittery and are launching a full investigation tomorrow. They can see no reason for this cause of action.

 

Through this action group, I managed to obtain details of and speak to the PA of Sir Freddie Goodwin, top man at Nat West, who was most helpful and promised an investigation from their end. Something a little shady going on here, me thinks. watch this space!

[lateralus]

now that's what i mean when i say ask to speak to the person in charge!

well done, you!

[Guest NATTIE]

That is total and utter nonsense from HSBC, NatWest have paid the cheque in and sent it to clearing and HSBC has stated that a stop is on the cheque, NatWest do not stop a cheque drawn on another bank.

[Nigel Willetts]

That is very interesting! Guess I will have to wait to see how this scenario develops, but I cannot quite see the logic in HSBC doing this. The guy who I last spoke to at HSBC sounded quite sincere and genuine, and requested that I obtain particular information from Nat West pertaining to cheque number and reason for not clearing cheque so that he could investigate from his end. As far as he was concerned, there was no issue with this cheque clearing and he was quite adamant that they had not put a stop on it.

 

If, as you say, this is not the case, what course of action can I take against HSBC with regard to their handling of this?

 

This is really beginning to wear me down!

[lateralus]

methinks the ombudsman beckons - but try to resolve it first then complain about it after.

[Guest NATTIE]

NatWest will be able to tell you why the cheque was not paid but they would have had no hand in it being stopped as the cheque would have been drawn on HSBC

[gizmo111]

If you have no joy this morning I would go into a HSBC branch and ring the solicitors to ascertain exactly what is going on.

[Nigel Willetts]

Yet another day wasted! I cannot believe that it takes so long to trace a cheque. HSBC still claiming their innocence, with Nat West still 'investigating'. With all this technology at their disposal, surely it should not take this long! Looking highly unlikely that it will be resolved in time for Christmas.

[Nigel Willetts]

Perhaps NatWestStaffMember may be able to shed a little light on today's events. Apparently, an employee at Nat West clearing centre in Edinburgh took it upon themselves to check the validity of the cheque issued by HSBC! Nat West have my money and I would like it back. I intend to involve banking ombudsman when resolved and to close my account with Nat West, then claim bank charges back from them! Another wasted day! Looks like I will have to cancel Christmas this year!

[Guest NATTIE]

If the cheque had a stop on it then NatWest had no hand in it being stopped. Can you clairfy that it was stopped ie paid into your account and then withdrawn? If yes then you would have had notification by NatWest of this in the post. If on the statement it says cheque unpaid and a reference number on the statement then the branch should be able to call with that reference and find out the reason for a stop on the cheque, if it is still clearing then it has not been stopped. I need more details as to the why and what info on clearing employee in Edinburgh, am assuming you are in Scotland, as there are a number of clearing centres around the UK not just where RBS are based