bv1010 v hsbc

[bv1010]

Hello,

 

Following the coverage on the BBC News web site, I decided to use their standard letter.

 

I sent it, along with copies of statements and a summary of charges made over the last 6 years to my local branch (I realise it is recommended to send to the head office, but understand they forward it for you).

 

I sent it registered delivery and the 14 days are now up. I haven't heard anything from HSBC (I checked that it was signed for) but I assume this is quite common.

 

I am now going to send your Letter Before Action. The only thing is, when calculating my money due (£1200), I didn't include any costs for overdraft interest. Can I now add these into the Letter Before Action or should I keep the amount I am claiming exactly the same?

 

I don't quite understand the 8% interest but i'll read up on that while i'm waiting for the 14 days to pass after I send the LBA.

[raaydaar]

You can ammend your claim to include th eoverdraft interest at this stage, the 8% interest doesn't come into play until you start court proceedings against the bank, at which time you can include this when you file the claim against the bank

[HSBCrusher]

Exactly right raaydaar.

The 8% doesn't come untill later.

All the best with your claim bv!

 

Crusher

[bv1010]

I didn't need to send any further letters, I got an offer of £1000. While this may seem a cop out, I need the money and wasn't looking forward to the whole court process.

 

I know that with interest I could have got more but I am £2 off going over my overdraft limit.... and I wouldn't want to have to make any more claims for excessive penalty fees!

[nettyg]

lord.... where did i go wrong>??? where did you guys send your requests to. all the newbies seem to be getting their dosh back with no qustions asked!!!

 

good on u all

 

netty