Ive today received the same letter and same amount, but the issue I have is the sceptic in me makes me wonder a couple of things.
I had an very old account with HSBC connected with a business account so not relating to me personally, it's a very long story but basically they attempted to get me to pay the companies overdraft, and I have argued the issue ever since. The supposed debt is potential statute barred as far as it relates to something that happened in 2010, however there are also mentions that as it relates to a bank overdraft that 12 years is the limit before statue barred, but i'm not 100%.
However the reason I am sceptic, is how does HSBC "apparently" know all my details and more interestingly my full name, account and now my current address (after 3 addresses and current address still not fully registered on credit files). I have remained away from any recorded data as much as I can, I have never corresponded with them, or any debt collector.
So is this £25 cheque a fishing exercise to confirm I am who I am at the address I am at? It could be legit and maybe they have had a slap on the wrist and told to compensate a bunch of us I don't know, but after having to play the debt collection game for over 10 years now, I'm aware of every trick possible.
Does banking the cheque trigger a confirmation, by banking this cheque, it confirm the name and the address they have are correct, ie they have found me!!
Or am I being over sceptic, I don't care about the £25 enough to potentially open pandoras box for them, the wording seems very pushy "simply bank the cheque", "yes please bank the cheque"
This all relates to a business account, and is not relevant to me personally, so any compensation should be paid the limited company which is now gone, so why are they trying to pay me personally?