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HBOS want 8 weeks to investigate


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Just had this letter sent to me after asking for my money back.

 

"We are sorry to learn that you are unhappy with the charges debited to your bank account. Please note the complaint handling rules set by our regulator, the FSA, gives us 8 weeks to investigate and respond to complaints.

 

Our committment to you is that we will respond to your concerns at the earliest possible opportunity. However, we want to ensure the issues you raised are thoroughly investigated.If, for any reason, we are unable to respond fully to your concerns within the next 4 weeks, we will write to update you of our process."

 

 

 

Do I have to wait the 8 weeks or do I give them the 2 weeks that I stated in my letter, then send in my claim with interest giving them a further 2 weeks before I take court action.

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If you sent the letter in the templates - You didn't complain!

 

You sent a claim to them!

 

On your terms and conditions!

 

To your timescale!

 

If only I could use the eff word I want to? Eff them!

 

We're in charge!!! Two weeks from receipt then go!

 

A D

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Guest ChloeJane

Hi ALW,

 

Each person runs their timetable as they choose, however it is adviseable to follow whats worked.

 

The banks send this out as a standard response. It delays their need to be able to provide the information therefor delays your claim.

 

This letter is stalling so I would send now, the letter before action. A link is below.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

Send the letter and wait the 14 days and perhaps in the meantime read up on how are you going to file.

 

You can do this one of two ways.

 

Money claim online. The link is below.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

Or You can file an N1 form with your local court. The link is below.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Worth reading up on while you wait for their response!

 

If you need any help, look for me in the chat room where you will find lots of support and help if you need it quickly!

 

Good luck!

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