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Wing vs HSBC ***WON***


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Take the date on your prelim letter as the date of your letter and not the date that they received it

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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you may very well get one of their delaying tactics letter, fob off letter, sod off letter - any of those, ignore and carry on with your claim. you might even get shiny leaflets all about the ombudsman - take no notice of those either - you want a full offer or full steam ahead!!

If i've been helpful in any way....then tip my scales over there!

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  • 2 weeks later...

If you used the letter from this site mattwing, then you would have put that you will not contact them any further. You could always give them a ring and see what they are doing. If you do not get a satisfactory reply or even offer. File MCOL.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Well i got a response from them. Unexpected but here it is

 

"Thank You for your letter dated 13th March 2007 concerning bank charges.

 

Unfortunately, both your signature and the address quoted on your letter differ from those in our records.

 

Before we up-date our recordsand investigate the issues you have raised, we will need confirmation that your signature is valid.

 

In order for us to do this, please call into any branch. taking this letter and suitable identification mwith you as soon as possible."

 

I know the records they have are correct. I've received numerous statements to my current address, also my signature has never been an issue before, is this just a stalling letter?

 

What should I do?

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Well that’s a new one, looks like someone is trying to be clever and stall you but I think you should just call in at your branch to sort it out, you cant be too careful with security issues.

As far as your claim goes just stick to your timetable and issue your claim when the LBA 14 days is up.

pete

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There’s not a lot they can try, if the address thing was a stunt it has to be a once in a blue moon thing they wouldn’t dare do that too often with a site like this monitoring what they are doing.

If you do get a letter it will be either here’s a shiny leaflet we’re right go write to the ombudsman about us or we are investigating and will let your grandchildren know what we found.

When your 14 days are up submit your claim.

pete

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It isn't essential that you claim for it some people do and some people don't. To work out what to claim then you need to be using the advanced spreadsheet and this will tell you how much to claim. :)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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if you mean any other products - mortgage, loans, etc. then they don't but if you mean overdraft - well, you owe it - they may want it.

 

as for overdraft interest, whatever you do - don't just plonk the interest debits onto the list of charges as that is totally incorrect. if you want to check out how much of the o/d interest - you need to do the advanced s/s. here's a simplified help for figuring it: honeygie v HSBC *****WON***** post no.26. it will help you with the advanced and you will see that, depending on your balance at the time of the interest debit - the s/s will pick up some, none or all of the interest debit.

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Got a letter this morning offering me £2037.00. My total claim (excluding interest) was for £2457.00, apparantly some of my charges (£135.50) had been refunded already. So £2322 would be the amount I'm owed. Seems to me like I should accept, my MCOL was due to be filed tomorrow, so far all i've done is send 2 letters, (prelim & LBA)

 

Any thoughts?

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has anyone else had such a pain free easy claim settled? i expected a long drawn out process involving the courts and the like, but it took me two letters my Prelim and a L.B.A for them to offer a 90% settlement !!

 

Why would they settle so easily with me yet take others the full distance?

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has anyone else had such a pain free easy claim settled? i expected a long drawn out process involving the courts and the like, but it took me two letters my Prelim and a L.B.A for them to offer a 90% settlement !!

 

Why would they settle so easily with me yet take others the full distance?

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