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CatLover64 v HSBC


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Hi

 

Need some advice re: HSBC. Have sent letter requesting charges to be refunded. Standard letter received saying they will look into the matter. LBA sent 2 weeks ago, no response to that, so will be issuing court proceedings shortly.

 

However, 10 days ago tried to withdraw funds via Link. The machine swallowed my card, which I found very strange considering I have been a lot more O/D in the past than I am now. The cynical side of me wonders if this was anything to do with the LBA I sent earlier that week? ;)

 

Anyway - after trying to call, and getting nowhere, have prepared a letter to be sent to my branch asking for their comments.

 

My question is: Will sending that letter prejudice my case or should I wait until proceedings are complete?

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I don't think it will prejudice your case but I don't think you will get far with them that way. i would call into your local branch and ask whats going on. You should get an answer sraight away. Continue with your claim as advised on this site and just shout if you need help along the way.

Welcome to the forum and good luck:)

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I don't think it will prejudice your case but I don't think you will get far with them that way. i would call into your local branch and ask whats going on. You should get an answer sraight away. Continue with your claim as advised on this site and just shout if you need help along the way.

Welcome to the forum and good luck:)

 

Thanks very much for the advice and encouragement. One other question I wanted to ask:

 

I saw on this website there is a template for asking for the defence to be struck out. Has anyone used it and has it been effective?

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Hi,

If you read some of my thread you will see that when I sent in letters asking for a refund they completly ignored two letters, and on the final day of the deadline they try to bluff you saying they have 8 weeks to respond they try all tactics, did you send your letters in recorded delivery?

Go ahead with court proceddings as you will not get a response, let me also tell you when they know you have put a claim in they are tending to get nasty as I went overdrawn although I put a cheque in to cover I've never had any problems with this in the past and they are now threatning to withdraw cheque book overdraft etc...

 

I think there is some really good people here though that will help you through this so get that claim form!!!:-)

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Hi,

If you read some of my thread you will see that when I sent in letters asking for a refund they completly ignored two letters, and on the final day of the deadline they try to bluff you saying they have 8 weeks to respond they try all tactics, did you send your letters in recorded delivery?

Go ahead with court proceddings as you will not get a response, let me also tell you when they know you have put a claim in they are tending to get nasty as I went overdrawn although I put a cheque in to cover I've never had any problems with this in the past and they are now threatning to withdraw cheque book overdraft etc...

 

I think there is some really good people here though that will help you through this so get that claim form!!!:-)

 

Thanks girl! :)

 

Yes - have already issued first letter asking for refund 12/4 followed by LBA on the 30th. All were sent by recorded delivery and I have the proof for both as well. The card was withdrawn on the 4th May. I am aware that they won't acknowledge my last letter far less pay out, so am gearing up to issue court proceedings shortly. This is why I've drafted the letter asking the bank for comments, which will also be sent by recorded delivery. In the latest letter, I did ask if withdrawal of the card might be termed as retaliation for the refund request? If it was, another complaint will be raised with the FO....:grin:

 

I have the parachute set up and ready to go, as suspected HSBC may well try to recall the overdraft.

 

Will keep you posted if you'd like? :)

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I must say I think you have done the right thing writting this letter for the reasons behind withdrawing your card, I havn't heard of them going this far this may be because they are geting that p...ed off now with the amount of people putting claims in and as others say there stratagys are changing by the day just make sure youve got that new account open. I cant see them admitting to this being the reason if you get a reply at all you'll be lucky!

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Hmmm - have now sent the letter to my branch asking why the card was withdrawn. Don't think I'll be getting a response, far less the card back, but it'll be interesting to see.

 

But - in view of the Lloyds TSB ruling earlier today, I see the judge has ruled that the 'fees' charged were lawful in his view. I appreciate this does not set a precedent, but have another question:

 

I note from the online statements I took down from the 'net, that from Dec last year, instead of 'Total Charges' as before, I see they're now listed as 'Notified Fees/Charges'. Although I've added these on to my claim, might the bank now be able to challenge these from now on as 'Fees'? All I did was simply go through the statements adding on everything shown as 'Charge'. It did not specify what the charge was for....

 

Any pointers or advice gratefully welcomed. Thanks!!:)

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Hi,

I recall somebody asking the same question on a different thread.

I think the reply was this is another of there new tactics, as they are now calling a fee for going overdrawn a unarranged loan, the reply was it doesn't matter what they call or name it you can still a charge.

 

This is the first I have heard about Lloyds winning a case today now I am starting to get worried!

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Hi - can anyone give me some advice? As I said on earlier posts, seems HSBC are now calling the Total Charges Notified Fees/Charges instead. I assume I can still claim these back?

 

Also - did anyone see the article in the Daily Mail today? Very good article which I shall cut out and keep. It was all about reclaiming charges, and FAQ's. Thanks in advance.

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Hi - can anyone give me some advice? As I said on earlier posts, seems HSBC are now calling the Total Charges Notified Fees/Charges instead. I assume I can still claim these back?

 

Also - did anyone see the article in the Daily Mail today? Very good article which I shall cut out and keep. It was all about reclaiming charges, and FAQ's. Thanks in advance.

 

Anyone else able to shed some light on this? Thanks! :-D

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Thanks Sharongina and pucc!

 

Another question now - I remember there is a template on this site (I think) which asks for the bank's defence to be struck out.

 

Where is it? Has anyone used this? And was it effective??

 

Thanks!

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Thanks Sharongina and pucc!

 

Another question now - I remember there is a template on this site (I think) which asks for the bank's defence to be struck out.

 

Where is it? Has anyone used this? And was it effective??

 

Thanks!

 

Bump, bump....8)

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Hi Catlover,

I am so concerned about this Lloyds win that I have sent in a letter followed up by an email to all people I am aware of at D&G, I kept sending the e-mails over and over until I have a reply, to 5 people in total im going to keep pushing them, heres what I sent totally of the back of my head with a few things picked up from threads on this forum.

xxxxxxxxxxxx

Oswestry

Shopshire

Sy11 xxxxxxxxxxx

 

(CLAIM NO. xxxxxxxxxxxx)

 

Dear Sir/Madam,

 

I am writing in respect of my claim which you have acknowledged the fact you intend to defend. As you will be aware I have sent into you again a list of charges and a offer of settlement. It is advised during the claim process both parties are encouraged to negotiate and try to settle before a claim will end up before a judge.

 

I have not received a response from you in respect to my full and final offer of settlement, I am well aware you have such a large amount of claims which may be back logged and you are working on strict dead-lines. My full offer of settlement is very reasonable as to the fact I will not need to include any more interest which has now accumulated since the original claim was filed back in April, and this would also benefit you as to the fact you have large backlogs of claims, this would be one less claim which needs addressing and would be finalized.

 

I would be most grateful if you would acknowledge my letter sent into you and this e-mail, most importantly whether you intend to accept my full and final offer of settlement which I have offered.

 

I would like to make it clear I reserve the right to my confidentiality and would ask for a speedy reply to my offer,

 

Yours sincerely

 

Sharon Gina Williams

________________________________________________________________________

 

 

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I cant believe my luck I just received an e-mail from Kate from D&G,

 

nothing to go mad about though just to say claims are being dealt with in strict dated order, but its a start and I am going to keep forwarding this e-mail until I log her e-mail inbox up (ha ha)

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Hope she doesn't read that!!!!!!

 

:D!! At least you're further down the road than I am....

 

Will give HSBC another week or so before I file my claim. Nothing at all to do with the fact I'm skint until then of course ;)

 

Keep pushing - they'll eventually cave in under the onslaught! :cool:

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I am just wondering have you managed to find out any info. on this template for the judge to strike the defence out?

 

Also does anyone know whether any old terms and conditions are floating about from HSBC, as this appears to have been part of the down fall regarding the Lloyds win, I need some!

 

Time to send some more e-mails into D&G!

it will take them an hour to delete mine on Monday morning, this has been one of the stratagys of someones thread I recall reading, Im sure it was netty who sent 100 e-mails a day in, but achieved a settlement!

 

Sharon

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Hi Sharon, I think there is a strinking out thing on the "no AQ" thread. I will try and find it for you and post a link. As for t & c's. I phoned the printers of them this afternoon. The chap told me to call back Monday and ask someone in the office (he was a printer man). As the printer are not far from me I will pop along on Monday and ask for as many as I can get dating as far back as I can get.

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A prudent question is one-half of wisdom.

 

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PEOPLE, PLEASE READ THIS IF YOU'VE BEEN FOLLOWING THE ABOVE EXCHANGE -

 

The advice to bombard DG with e-mails, faxes, letters and phone calls was deemed to be excessive and counter productive at least two months ago. Replacing it is the nudge letter to DG every 10-14 days after you have received a copy of their defence (after the 28 day period following the filing of the claim). PLEASE DO NOT DO THIS.

SG, I've told you what I think about this on castlebest's thread where i first saw what you were doing. I#m hoping you have seen this and will stop immediately - what you are doing is verging on harassment and you must not send them anything else, please. I'm sorry you picked up on an old thread.

And for anyone else thinking it is a good idea - it is not!!!!! please don't do this.

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