Sent my first Letter today.

[tyco]

Hi all,

I have been lurking here for the last couple of weeks reading everybody's posts and building up the courage to make my own claim.

 

Have now decided to take the plunge.

 

Got my wife to go through the statements online last night and have sent my first letter to HSBC asking them for £3800 back in unlawful charges.

 

Lets see what happens.

 

Tyco

[Spiceskull]

Good luck with the claim. As my own is nearing finalisation I can assure you that whilst the ride might be bumpy, the landing will be sweet.

[tyco]

Recived mt first rresponse from the bank today

They have said that they will investigate and let me know when they are done. in other words they will try and string me along for as long as possible.

There 1st 14 days run out next thursday and the letter before action is already to go. Letys see what happens.

 

Regards

Tyco

[tyco]

Posted my LBA yesterday what a palaver that turned out to be.

Decided to post the letter on my lunch break and as I walk past my branch to get to the post office decided to hand deliver the letter instead.

Went up to the little counter and presented my letter in a sealed envelope and asked if this could be passed on to the bank manager and could I have a recite to say they had received my letter. The nice lady behind the counter said she was unable to give me a recite as it was against bank policy. I asked her to check this with her supervisor so off she went. When she came back my letter had been opened and she returned it to me with a leaflet about the banks complaints procedure. A little stunned I asked what was going on and she said well it’s a letter of complaint and I would need to follow the banks procedure.

Now I am just a little upset so demand to speak to the services manger. When the services manager comes over I explained what has happened and she seems shocked that this wasn’t the conclusion I was after. So I explained that I wanted my letter passed on to the manager and that I would like something signed to say the letter had been received by the bank. I then explained that if I went next door to the post office and paid o £1 they would do this. Her reply was so you’re trying to save £1. I went mad at this and was asked on a couple of times to "please be quite" as I was starting to make a lot of noise about how they had stolen my money and were making run round in circles trying to get it back. Finally the service manger agreed to photo copy my letter sign the copy to say the letter had been received and pass on the original.

So all in all it took 35 mins to get the bank to sign to say they had received my letter. Next time I decide to send the bank a letter I deffinatly going to walk straight past the bank and get the post office to deal with it.

Tyco

[maverik1979]

just trying delaying tactics, dont get dis-heartened, you're not too far off now

[tyco]

Recived a response to my first letter today. it was the standard letter saying that the charges are inforcible and are the charges i agread to and also pointing me to the banking ombodsman if i want to take this further.

 

I also went overdrawn by £60 this last month and the bank have reversed a number of direct debits charging me £30 ago they even reversed one for £1.50..

In the end they reversed 5 direct debits totalling £220 to get my account back in order as the charges amounted to £150 and were taken out after each reversal.This never usally happens if i do go over my overdraft they usally pay all my direct debits and charge me £125. look like they starting to play hard ball with my account. When i phoned up to enquire about these new charges the memeber of staff i spoke to took a look at my account and wilst larfing said theres nothing i can do and then hung up.

 

The dead line from the letter before action is Thursday so it looks like i will be fileing with the court.

 

I want to be ready to go as soon as the deadline passes so i took a look at the money claim site today and found that the text from the liabry section didnt fit on the form. Can anybody help with what needs to go in here I suffer from a form of dyslexia called word blindness and find it very hard to fill forms in.

 

also what do i use in the claim discription feild. is "Money taken by bank" ok

[tyco]

the deadline for a response to my LBA has now passed so i guess its of to money cliam.

 

Can anybody help me with what i need to put in the in the cliam details. the text in the liabry section dosent fit also what do i put in the cliam descprition feild.

 

Thanks in advance for any help.

[Spiceskull]

the deadline for a response to my LBA has now passed so i guess its of to money cliam.

 

Can anybody help me with what i need to put in the in the cliam details. the text in the liabry section dosent fit also what do i put in the cliam descprition feild.

 

Thanks in advance for any help.

Hi Tyco,

 

You might find it easier to fill in an N1 form at your local court instead. The people there are very helpful, and will answer any questions about what bits go where. Additionally, a hand written claim form allows you to enter more claim particulars than the online method.

 

If you do file your claim in person you will need to take a couple of copies of your charges schedule too, so that this can be attached to your claim form.

 

Good luck.

[tyco]

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