they owe us £1645!!! - received 1st standard reply

[ANNALH]

Hello,

 

We sent a letter to HSBC yesterday by recorded delivery claiming £1645 for just over 2 years of charges and gave them 14 days to respond.

It is a joint account we have held for around 4 years and for the first 3 years they were throwing loans, overdrafts and savings accounts at us. For the last year to date they have started being very mean to us, refusing to give us anything, even though they were our main bank and we had lots of money going into our account. Unfortunately we cannot close our current account as we have a loan with them which has to be repaid from this current account, so we now use another bank for all our day to day banking and just keep HSBC open to pay loan each month.

I suspect they were a little annoyed when they got the letter this morning, but then we have been annoyed with them for a long time, so roll on the time when we can close our account and have nothing more to do with them (not before we get all our charges refunded though!!)

[richardc]

Well done and welcome. Keep us posted

[ANNALH]

Had my first reply letter from HSBC today (17th). Which is exactly 1 week after they received my letters (i actually sent 3, one to Canada Sq, London, 1 to local branch, 1 to address in Sheffield I got off this site).

 

Its just the standard...'we are investigating'...letter, but does not say when they will write back, only 'when I have completed my investigations'. They also enclosed a helpful leaflet, which I had specifically asked them NOT to send!

 

They have 7 days to conclude their investigations and refund my money or I start court proceedings.

 

The clock is ticking!!!

[ANNALH]

So, received 2nd standard reply from Phil Beaumont 'Senior Service Quality Officer' no less!!

basically no more helpful than the first reply I had, spouting clauses in their terms and conditions, 'clause 7.11 section 2.', their charges are fair and are clearly stated in their published price list, blah blah blah.'

 

This letter came the day after I went onto MCOL and filed a claim, I received the notice of issue from the court today so hopefully that means the bank should have received their letter from the court today too.

 

Lets see what they do now.

[ANNALH]

Hello,

 

HSBC have just acknowledged my court claim (03/04/06), havent even had the docs from the court yet when I get a letter from DG Solicitors offering me a full refund in exchange for confidentiality!

 

Success!!!

[deliciosa]

Congratulations!!!!

[dave]

Don't allow yourself to be silenced. This is a breach of your civil rights - don't let them get away with it.

 

You will still get your money.

[bexh]

Hello,

 

HSBC have just acknowledged my court claim (03/04/06), havent even had the docs from the court yet when I get a letter from DG Solicitors offering me a full refund in exchange for confidentiality!

 

Success!!!

 

 

so glad I read this, got my letter from Phil Beaumont this morning. The only thing that worried me is I am currently £1000 OD (interest free as I'm now a student), and I think they might try bully me into paying it back. But I am going to carry on and start court proceedings. I'm only claiming £933!!

[Sanrich]

I have received my letter today from Phil Beaumont with an offer of £420 which is nowhere near what the actual charges have been which is closer to £2500. He has also sent me a document to sign stating I will accept that this under no circumstances admits guilt on behalf of HSBC and that I will finish my claim there.

 

I am fully intent on now taking this through the courts but does anyone know if the 'settlement of goodwill' will go against me in the courts? and should I now notify HSBC that this offer has not been accepted and I intend court action or just move the process forward?

[Seminole]

PLEASE START YOUR OWN THREADS

[dave]

Ha - Sanrich, what Seminole means is:

 

Start your own thread. It makes it easier for us to follow your progress.

 

If you are serious about getting your money back - and by being here, it shows you are, then if you start your own thread (don't be shy ) - then your case wil be looked at and encouraged by people that have been through the same thing.

 

It's just much easier to follow that way.

 

The thing is, there are only 10 of us who are constant Admins, or mods (with over 11k members), and it's really quite hard to follow everyones case (and offer advice, encouragement) if they are buried in other peoples.

 

Sometimes it gets to all of us, but hey, that's life.

 

Stick with it, don't be put off - you WILL get your money back!

 

Don't accept their first offer - if you were selling something at auction, you wouldn't take the first bid if you had a choice - you'd hold on for the full amount.

 

Do the same here - you WILL get your money, and why shouldn't you?

 

They have taken it by means of penalty for breach of contract - this is not allowed under English law - if we have to abide by English law, then why shouldn't they?

 

They have taken advantage of the fact that people think that banks can be trusted - they have shown, time and time again that this is not the case.

 

Stick by your guns. And when you get your money back - shout it to everyone and anyone that will listen.

[Seminole]

Yeah, but it's more fun saying it the way I said it!

[ANNALH]

This topic was closed on 03/06/19.

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