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Received response from bank - HELP!


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Hi everyone,

Well I am currently in the process of claiming from HSBC, but I'mma bit confused as to what I do now. I got all my statements, added it all up etc etc, asked for the money back using the standard letter giving them 14 days to respond etc, now I have received a letter (which is obviously a normal bog-standard letter) along the lines of 'We are looking into your query, please allow us a further 14 days by which time we will respond to your query'. What a joke! But what do I do now? Do I send a Letter Before Action now or do I wait for 14 days as they've said? Any advice would be greatly appreciated!!




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Guest ChloeJane

Hi there!

This is appears a standard response and as this is your claim you can choose to manage it as you like.


This is merely a delay tactic by them to slow down the process of your claim.


I would send them the letter before action which gives them 14 days.


A link is here.3. Letter before action - Consumer version - asking for it back


Send the letter off and wait the 14 days!


If you send the letter off, spend the time till they reply reading up on how to claim via the court and read into which way you might claim.


Court information Reading - whats best for you


You can apply for an exemption through the court when you file your claim to not have to pay fees - so it is worth a read and if in hardship, worth applying.


http://www.hmcourts-service.gov.uk/H...fl ets_id=172



Money claim online - No exemptions allowed


5. Money Claim On-Line (MCOL) Particulars of Claim


N1 at your local court. - Fee Exemption allowed.


4. Particulars of claim - N1 - hard copy


That should keep you reading and informed for the next step after the letter.


All the best,



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