lol thanks very much im really gonna xx

hi all, i know i never really got the whole thread thing right!!!! but my bank today changed their offer from £800 to £1600 and iv decided to accept just wanted any newbys to know its very worth sticking to your guns and for asking the forum for help when you feel lost. xx

thanks for advice. the letter they sent me says that they believe they can justify there charges and pretty much that they can defend it in court and will do if i dont accept the offer, its all got very scary the idea of fighting a bank in court.

bank has acknowledged my claim and their solicitor has written to say they have been passed my complaint to deal with. REALLY NERVOUS NOW!! is it true that they haevnt taken anyone to court yet??? and is it it true i wont have to pay their fees if i lose??

hi, i started by reading through all the information on the website first and then using the templates to start my claim. x

ah i see i thought it was too good to be true that they hadnt entered a defence yet.

hi. im going through the same thing iv skinted myself to pay the £120 and i have eight days remaining on my claim, i very nervous about it, and tempted to just give into their really low offer. so your not alone but be brave im sure wel both do fine in the end. rach x

well they given me ten working days to accept the offer which i dont want to because its so low. so am i right in thinking that if they dont log a defence within the remaining 8 days of my claim then i get the full amount by default despite them making me an offer? that doesnt seem correct somehow??

hi. just to let you know iv found the forum really helpful so if you get stuck remember to ask for help. rach x

the bank is hsbc. iv checked my figures and there right. the bank has made me the offer but not as yet logged a defence for my claim, doesnt this seem odd? because in 8 days i win the full amount by default unless they log a defence or does having made me a settlement offer change that?

hi. my bank has today made me an offer i did have to put in a claim against them for this but still at least they are now playing ball. HOWEVER i made a claim for just under £2000 and they say they worked it out to be more like £850 plus £460 interest and have offered me £760 settlement. is it me or this a massive difference!!! does the fact they have made an offer effect my online claim now?? any help much much appreciated. rach x

the letter before action says that the bank has not responded but in my case they have responded and said NO. iv looked through all the letters and cant find the one that says im not happy with their descison and giving them the chance to reconsider before i go to court. does anyone know the letter i mean? if i cant find it ill just have to start court proceddings but id like to let the bank know im going to do this and give them the chance to reconsider.

yes they sent me my statements for last six years i worked out charges to just over £2000 i sent an itemised letter of charges with the request for the refund letter and they have replied and said the charges were acceptable and no refund. so now i wanted the letter saying im disapointed with their reply and giving them 14 days to reconsider before a take court action, i remember seeing the letter before but now cant find the template on the site.

so since theyv said no. do i send a letter asking them to reconsider or ill go to court or do i just take it to court? the letter before action says that they havent replied but in my case they have replied its just that they said no?

hi. i recieved a letter from bank saying they will not refund any of my bank charges i am willing to claim this back in court but i thought there was a letter that you sent to them first giving them 14 days to reconsider, is this right? and if it is where do i find the letter? please help!! x