HSBC Lost £16660 in cheques from my account need advice

[slaw007]

In October 2003 to May 2004 i lost £16660 in cheques these had been taken and signed by another and i found this out in the September of 2004 and was able to prove this, HSBC done everything in there power not to send out copy cheques and statements for my account, yhey would not speak with me in the branch all i could do was write to them at the branch and the then forwarded the letters to the fraud investigation team.

 

They had debt collectors hounding me day in day out for 3.6k owed to them i was unable to pay because of the losses i wrote to them hundreds of times asking for a meeting but they would not meet with me, In December 2006 they asked me to meet with them in my branch (the branch manager) told me there were cheques that have also been identified by them to be passed fraudlently and they will now refund the total 16660 to my account some 2 1/2 years after the event, and repair my credit history and pay me charges for the bounced cheques on my account not siged by me, i said what about my losses for the money not being in my account they told me i should have looked after my cheque book and the dont pay for consiquential losses and i have recieved a cheque now for the money owed to me for the cheques passed fraudulently with the money deducted that i owed them and they have decided that this is now over.

 

I have not cashed the cheque as this would accept there payment and agree with there terms, now i am looking for help as the bank never checked 1 of the 78 cheques passed these ranged from £90 to £900, i thought that the bank were suposed to check these and protect your interests and look after your money, they have just said F##k of and we want the 501 you owe on your credit card or we will take you to court.

 

What do i do, does anyone know case law or a good Solisitor/Barister Help please, i just want a shoulder to lean on PLEASE PLEASE PLEASE. :confused:

[mrsfoot]

H and thanks for starting a thread.

 

Ok had a thought....you can accept the cheque as part settlement and i have found this letter of jonni2bad that will be ok to send. this will show that you are going to take the matter further, obviously change the owrding slightly from charges to moneys taken and edit to personalise.

 

YOUR Street

Town

City

Postcode

 

 

Date

 

BANK NAME

Address

Address

Postcode

Re: Account number XXXXXXXX

 

Response to settlement offer.

 

Dear [named sender or Sirs]

 

Thank you for your letter dated xx/xx/xx

I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

 

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

 

My (Request for Repayment letter) (Letter Before Action) dated xx/xx/xx indicates that you have until xx/xx/xx to respond before I proceed to the next stage of my request (before I commence legal action). My deadline remains the same despite this offer.

 

If you do not accept my conditions for acceptance, or you do not respond within 7 days, I shall return the cheque to you. For the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter.

 

(If the bank have credited your account, please use this note in place of the above paragraph)

If you do not accept my conditions, or you do not respond within 7 days, I wish to stress that I do not accept your offer and the money transfered to my account should not be viewed as my acceptance. I hereby authorise you to remove this sum accordingly.

 

I trust this clarifies my position.

 

 

Yours faithfully

 

[signature]

 

[print name]

 

I really think it would be best to get a solicitors advice for the rest of the claim. I think you have a good case and should be entitled to compensation for the fact you lost your house, however like i said before it would be very difficult to prove you only lost your house through their mistake.

 

Check Yell.com the UK's local search engine - search for UK businesses for solicitors in your area and DONT use no win no fee, they will only fleece you in the end

 

Good luck and keep in touch

 

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