anyone claimed twice?

[williamb]

Hi all, has anybody ever claimed illegal charges a second time from the same bank? HSBC gave me charges back last July, but since then at every opportunity they have piled on the charges for the slightest thing. I estimate they owe me at least £900 to date. With my finances it is impossible to stay in credit...oh how I tried. I am angry and am contemplating writing to Mr langdale and asking for the money back. I don't have a parachute account as my credit rating is so bad I don't know whether I would get another account??
Recently, due to being overdrawn solely on bankcharges they did not pay my gas and electricity DD, so british gas have now cancelled that payment method.
Is it worth going back for round two? can anyone recommend a bank that will give poor credit ratings an account? Let me know your thoughts on this. I have been with HSBC 27 years, and have 130,000 morgage with this lot, will that carry any weight when it comes to account closures?
Cheers

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

[nettyg]

hi william
welcome to the forum. when you said you claimed your charges last july - was this through the courts or were you lucky enough to ask for them and get them back.
by the way, the charges aren't illegal - they're unlawful, two different things!
NatWest do a step up account which you can apply online in about 10 minutes. basic account with no frills, no overdrafts, cheque book or owt, just a hole in the wall card (solo debit card).
hsbc usually close your account if you claim a 2nd time - i'll put this theory to the test - i've got two claims going through at the moment, one which is nearing submission for the aq, the other nearing lba stage. i've already got my parachute account up and running so i'm not really fussed what hsbc come up with when it's over!!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

[lateralus]

also, according to moneysavingsexpert - barclays and co-op are sympathetic.

[Castlebest]

Hi William, I used to have my mortgage with HSBC too, I moved it 2 years ago. It has never made any difference to the way they have treated me.

Try looking at this thread

http://www.consumeractiongroup.c o.uk/forum/general/13832-do-you-need-parachute.html

It lists the alternative bank accounts that are available at the moment and the terms and conditions these accounts have.

pete

[HSBCrusher]

Hello William.
I have claimed 3 times, they closed my account on the second.
My mortgage with them was unaffected.
I will be taking action against them because of the closure.
Alliance and leicester fined by FOS for retaliatory account closure
all the best with your claims.

I have been with HSBC 27 years, and have 130,000 morgage with this lot, will that carry any weight when it comes to account closures?

this means nothing... they will shut your account

[williamb]

Thanks everyone. I originally claimed last July, hsbc coughed up after the LBA, but since then they have charged me for everything at the slightest opportunity. I need parachute account, the co-op sounds good because their charges are only £18.50 should I get hit by them, about half of what hsbc charge. I know it is best not to go overdrawn, but after my outgoings I don't have much to spend. I need a bank account which I can pay bills at various times of the month, not direct debits because I get paid every 28 days, and a small pension which goes in on the 10th, so direct debits are too rigid and that is what is causing the problems, the dates of payday and d/d day are not marrying up!! Therefore hsbc return them, charge me, the give more charges etc etc etc
So what a bummer, but hsbc are still making a furtune out of me, and it is p***ing me off. Will investigate parachute accounts more
Cheers for now

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Parachute account "Parachute account" describes a second bank account opened expressly in order to avoid retaliatory action by a customer's usual bank once a bank charges claim had been commenced. The term "parachute account" was first used in this sense by BankFodder on the 22nd February 2006 and has since become part of general usage in this context. "parachute account" is used regularly by Martin Lewis of MoneySavingExpert.com and also by the National press.

[nettyg]

just a little thought william... would it be worth looking into a secure homes account - as they spread your payments over the year to cover any bills???