 Re: DECEMBER 1ST HSBC has today introduced NEW Personal Banking Terms & Conditions
They have changed their personal account T's and C's from 1st Dec 06 it basically changes the charging process in any charging 'period' but this is NOT what all our claims are about.
We are all claiming because a typical £30 'fee' applied to an account for going over your overdraft limit, or presenting a cheque, paying using a debit card, etc etc is considered by the OFT as unlawful and contravenes the consumer regulations as being 'fair and reasonible'
The OFT stated that ANY company should only administer a 'fee' or 'charge' that reasonibly covers it's ACTUAL costs to 'manage that account or transaction, and as most these days are dealt with automatically my computers it does NOT cost anything like £30 !!!!
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04/10/06 statement request sent
09/10/06 43 envolopes of statements arrive
16/10/06 prelim sent recorded delivery (claim for £3,211.50)
31/10/06 14 day deadline to send LBA
31/10/06 LBA sent recorded delivery
15/11/06 MCOL submitted £3,596.46
16/11/06 copy of claim from court
17/11/06 copy of charges to court
17/11/06 MCOL acknowledged
14/12/06 28 days up,DG submit a DEFENCE
16/12/06 Allocation Questionaire papers from court arrive
18/12/06 FULL OFFER
21/12/06 FULL PAYMENT INTO ACCOUNT
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