Bank Charges

[mevan11]

Hi, I have read all the info about reclaiming bank charges. I have a question.

 

I already had a copy of my statements, and have now been through and totted up how much the bank owes me. I have issued a letter to HSBC and have given them 14 days to respond. They have not responded. I sent the initial letter recorded delivery. I then sent a second letter and gave them 7 days notice that I would be starting court proceedings if they did not rerspond. They still have not responded, so I was about to start my court battle. The only problem is that I watched the Watchdog story last week, and rang up the Financial ombudsman to talk about the next step. They said that the bank officially had 8 weeks to respond from the first letter. Is this correct?.

[mrsfoot]

Hello and welcome to the Consumer Action Group!

There are a few things that you must do before sending letters off left right and centre. By following the steps correctly you save yourself and others a lot of work!

• Read the FAQs. Print them out and take 2 -3 days to understand what it is you are about to do…..you wouldn’t just jump into a lake for a swim unless you knew how to swim, would you??
  
• Understand the process. Don’t try to start halfway through, it won’t work. Its time consuming but at least you won’t be making any mistakes in getting your money back!
  
• Read through the relevant forum for your bank claim. Here you will find others journeys, celebrations and queries, most of which will help you in your claim.
  
• Start a thread in your forum, and keep it in your favourites so you can find it easier. Call it your name v bank name for example. Here you can log your own journey, ask questions and most of all offer another thread for a newer person to read (see you are giving something back already)
  
• It’s your claim; you have to do the work! Its not easy, can be very frustrating and at times you will feel like throwing the towel and letting them get away. But keep on going, seek advice from mods / site helpers/ or anyone else who is on the forum, great place for this is the chat room, try it out!

with regards to the 8 week rule, its your claim so you set the timescale. However i notice you only gave a further 7 days before starting legal action, this would sem unreasonable and we recommend 14 days. Check out the FAQs which demonstrates the correct process to follow

 

Good luck

[nefarti]

Hi I hope to get some postive input around the [problem] which the banks have inflicted on a lot of people.