MrMatteh Vs. HSBC

[MrMatteh]

Not a bad start..

 

Following all the instruction and advice on this site, I sent HSBC a letter on the 17th May 2006.. I received a letter yesterday (25th May) sending my £10 cheque back, and telling me all my statements have been requested and they are willing to give me them for free

 

Not bad going eh?

 

Matt.

[loz]

Early days, but I hope the rest of your claim goes so smoothly! Good luck

[maverik1979]

keep us posted as to your progress

[HSBCrusher]

Oh how kind they are giving you back the tenner. My letter stated "we are happy to waive any fees". So they should.

The thousands of pounds they have removed from people more than makes up for it.

Well done, all the best on you claim!

[MrMatteh]

Got all my bank statements in the post on Wednesday morning \o/

 

Also got a letter saying they will try to get hold of all my credit card statements (the account is now closed and doesnt even show up on OLB)

[maverik1979]

let us know when you have calculated all the charges, or if you are having any bother sorting it out

[MrMatteh]

I have received all of my Credit Card statements through now and calculated the charges - the total came to £539 (£514 from my Current A/C - and £25 from old Credit Card). I excluded a recent £30 charge that I managed to get refunded at the time as it was clearly their own mistake anyway!

 

This isn't a lot of money, so I am hoping they'll refund it straight away.. Actually, lets not - *calculates interest*... (I wouldn't have anything left on my loan account which was setup to fix my charges loop I was in back then, so it only seems fair to get some interest back, im not being greedy, honest! )

[maverik1979]

I have received all of my Credit Card statements through now and calculated the charges - the total came to £539 (£514 from my Current A/C - and £25 from old Credit Card). I excluded a recent £30 charge that I managed to get refunded at the time as it was clearly their own mistake anyway!

 

This isn't a lot of money, so I am hoping they'll refund it straight away.. Actually, lets not - *calculates interest*... (I wouldn't have anything left on my loan account which was setup to fix my charges loop I was in back then, so it only seems fair to get some interest back, im not being greedy, honest! )

 

you may get lucky as some of the "lower" claim amounts have had 90% offers just from the initial 2 letters alone

[MrMatteh]

Well, HSBC have not responded *at all* so tomorrow Im sending the Letter Before Action!

 

They're so cheeky!

[HSBCrusher]

Well done Matt.

things will speed up a little now, I would say you are about a month or so away from your money maximum, and less if you get a good offer.....

[MrMatteh]

Received an offer today... quite a long letter with it though - trying to substantiate the actions... it reads:

 

 

__

Ref: XXXXXXXXXX

 

Thank you for your letter dated 27th June 2006 requesting a refund of your bank charges of £XXXX.

 

In circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or over an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are clearly set out in our published price list. The circumstances in which the fee will apply are clearly set out in our Personal Banking terms and conditions which you were provided with a copy of when you opened your account. If your claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees.

 

 

HSBC is, however, mindful of the management time and irrecoverable legal costs that it may incur in relation to such a claim. For those commercial reasons alone, and without any admission of liability whatsoever, HSBC is prepared to make a payment to you in the sum of £XXX representing the charges applied in full and final settlement of this matter.

 

If you accept this proposal please sign and return the enclosed copy of this letter to us within 10 working days and we will arrange for a refund to be made to you. Please allow 7 working days for your account to be credited from receipt by ourselves. If we do not receive your signed acceptance within this timescale, we will take it that you have declined our offer.

 

I trust that this matter has now been addressed to your satisfaction. If you are not satisfied with the bank's response you have the right to refer your complaint to the Financial Ombudsman Service. Further details about the Ombudsman scheme are set out in the enclosed leaflet and you have six months from the date of this letter, within which to refer your complain to them should you decided to do so.

 

Thank you again for taking the time to write.

 

Yours Sincerely

 

Mr Colin Langdale

Senior Service Quality Officer.

__

 

hhmm, I dont plan on accepting this offer at all, im claiming the full 100%!! Nice letter though, I must say - It was a nice easy read!

 

Any suggestions on what I *should* do next? (if anything) other than the Letter Before Action?!

 

Cheers,

[MrMatteh]

Hmm.. quick question -

 

If I send my LBA today, am I able to include the claim for the interest on my Managed Loan (the Charges portion of the interest?) or can/do I have to send that seperately once this claim for the charges is complete?!

 

Ive not mentioned to them that I am claiming the loan interest back yet?! :E