This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Welcome and good luck! Thats a ridiculous amount of money they owe you.. that would pay off all my debts!!!!!

Will do, of course!!!!!!! x x x x

Got my money this morning. I cannot express how grateful I am to you all guys! If theres anything I can do for you besides tokens, just let me know please. Please keep up the good work! Ps: Overdrawn, where do you want me to send the champagne?

Thanks for all your help! However, I have spoken to A Pretty and accepted the 250 simply because I want to finish with HSBC already, I dont want to wait, I dont want to stress anymore, 250 is fine and its a kind of free money now. I am waiting for it to arrive to my account. I am extremely grateful to all of you!!! x x x x x x x x x x x x x SUCCESS!

I think I won't go for the court action. Guaranteed 250 or risk 410? I think I'll go for 250. And I am very grateful to you all! and will donate a token, too, once I receive my money x x x x x xx x

Ok thanks, this is what I am about to send.... Mr xxxxxxxxxxxxxxx Senior Service Quality Officer HSBC Bank plc Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP Dear xxxxxxxxxxxxxx 23 April 2006 Ref:xxxxxxxxxxxxxxxx Thank you for your letter dated xxxx offering a settlement of £xxxx representing part of the charges applied to my account. I will be happy to accept the sum of £xxxx but only on the basis that I will continue claiming the reminder (£xxx). I am sure you understand that if I proceed with a claim, I will have to add my costs as well as the 8% interest to this sum. I would like to inform you that in accordance with my previous email, the date of issuing the claim will be the xxxxth xxxxxx if I don’t receive full settlement before or on that day. Thank you again for taking the time to write. Yours sincerely, xxxxxxxxxxxxxxxxxxxxxxx

Do you really doubt they would offer me a full refund without me filing a claim? Some people have been offered here....

Then I'll go for it, I can't lose anything. I will write the letter and post it here first, can you please check if its ok?

Yeah but if I claim I have to pay 50.. whereas if I dont, they might offer me full refund in a few days... what do you think?

REPLY: Default Re: Please help -* they are offering settlement, don't know what to do!!! Keep calm - there's no rush.. You have to ask WHY the bank would offer this amount if they were in the right? They do so because there is a chance that people will panic (which you might be doing) and accept it - saving themselves a small fortune. Whilst it is always your call, my advice would be to reply to their offer, accepting the sum ONLY on the basis that you will continue to claim the remainder. Banks do not have a defence to their charging policy, so meeting you in court and explaining themselves is something they wish to avoid at all costs, i.e. the settlement they have proposed..... If you decide to accept it, you must finally be aware that you must not sign any settlement agreement that makes you agree to acceptance of further charges, or keeps you quite!! The choice is your - but why let them keep some of YOUR money, when they are clearly in the wrong? __________________ . . Halifax charges = £2,024.00 DPA request sent 11 March - received by recorded delivery 13th March. Arrived 19th April Prelim letter sent 20th April....... SPECIAL DELIVERY !! OK I posted this here because the other one was closed. Thank you VERY MUCH for your advice, you are right!!!! Also my friends say that I should go for the whole amount. So I send them a letter only saying that thank you, I accept only on a basis etc... nothing else? Please bear in my that my deadline for making the claim is the 26th. What if they do not receive my reply till then? or they do but I dont receive their reply?

ok tyty!

Received my second letter, they offer me 250 (claim for 410). Please help. Is there a template letter that I can send that I want the full amount? I dont know what to do, I am happy they are offering settlement!!!! Please let me know what to do, I am panicking!!!!!! I really wouldnt do money claim online if I dont have to... what if they withdraw this offer?? HEEELLPPP! (sorry I posted it twivce, bt I want to send the letter off asap!!!)

Please help! Received my second letter, they offer me 250 (claim for 410). Please help. Is there a template letter that I can send that I want the full amount? I dont know what to do, I am happy they are offering settlement!!!! Please let me know what to do, I am panicking!!!!!! I really wouldnt do money claim online if I dont have to... what if they withdraw this offer?? HEEELLPPP!

I hope you're right Overdrawn! If I get it back, I'll donate some vouchers and send you a bottle of champagne 5 days to go! on the 26th I am posting my claim!

Well, now its £410.. they just took a £75 charge....

waiting, waiting, no reply, no email.... 9 days to go, on the 26th I am filing my claim. It's just.. it costs £50 online, that's a lot of money...

Thanks!!!

PLEASE HELP! I have received no reply to my letter by post. I have received a reply by email when I sent copies of the posted letter. They said they will investigate (see above). My question is: Does this count as a proper acknowledgement? Does email count? I ahve read different opinions here. I have emailed her back that she has 14 days to transfer the money back or claim. Does this count? If after 14 days I file a claim, will it look just as good as if the correspondence had been hardcopy?

I have received a reply to my email today. Still no reply to the hard copy letter. It was a standard "I am investigating, thanks for your patience and sorry you not satisfied" email. I have sent a letter back stating that i expect the money to be credited to my account by the 25th April (14 days from now.. plenty of time for them to investigate), or else I file a claim. did I act properly? moderator: you're right, sorry.... but they ARE starstarstarstar starstarstarstarstarstarstar starstarstarstarss!!! ))))

Still haven't received letter. But a customer services assistant from my branch called me. I told her to stop the pending charge. She will call back. ...... I am ready to go to court. They are bl**dy ******** Sorry. MODERATED Whilst we fully understand how annoyed people are over this issue please do not use swear words on the forum.

Hello I have figured out that it would be fifty pounds to start a claim. That’s an enormous amount of money for me, so I don't know yet. I am still waiting for my first response though - they said it is on its way to me. Maybe I will be offered part of the claim as settlement as other people have been offered here - then I won't need to file a claim. We'll see! Thanks a lot for your advice!1

Ian SHepherd is a computer generated gentleman, too. Don't bother writing to him.

Just a quick question, how much do I have to pay if I claim it back through moneyclaim? I do not have a lot of money….

yes I read it but when i called them they said they will reply within 7 days, that they have to... I have called them again and they said a letter is on its way to me... thanks, I will add 8% too. and thanks for writing to me!!