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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
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NW11 7PE
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| | | | | | | HSBC, FD and HFC successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
3rd May 2006, 16:41
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#1 (permalink)
| | Classic Account Customer |  Mailman v HSBC - WON
Righto, so now its my turn to have to deal with these guys!
The story so far.
Way back on the 2nd of Feb my account went in to over draft. The charges came to £125 which was then taken on the 20th of March.
Then after the charges were taken out my account went in to over draft again (because of the charges) and I was charged a further £50 for being overdrawn!
So I sent a polite letter asking for a refund and pointed out that the charges bore no relation to the actual cost to the bank. I also pointed out that when I called the bank to query the charges I was instantly offered an over draft so as to avoid future OD charges!
BUT...come on...if its so easy to offer me an over draft then and there on the phone why couldnt this have been done when my account went overdrawn back in bloody February!
A few weeks after sending my letter I got a reply from the bank saying that the charges had been applied correctly and that no refund would be forthcoming.
However between my first letter going and the reply my wife got an email from the bank that included a paragraph saying;
"However, we will not charge review fees more than the amount by which you have exceeded your overdraft limit in any one month. As the maximum balance on your account was GBP 13.84 on 7 February 2006, a charge of GBP 13.00 has been calculated."
Seeing as my account was overdrawn by £80 the first time the fact they took the full £125 contravenes what their own staff are telling their customers!
So anyway, today I sent off a second more forceful letter explaining a few home truths about illegal activities and penalty clauses being unenforceable etc. So we shall see how that letter goes.
My next letter was going to be to the Banking Ombudsman...however seeing as they are there to look after the banks I guess Ill be going straight to the small claims court!
Wish me luck!
Anyways...heres the kicker about HSBC! Of all the major banks in England, the majority of HSBC's profit came from customer activities (ie. you and me) whereas the other main banks made the majority of their profit from commercial activities (ie. loands to businesses etc).
Regards
Mailman
Last edited by mailmannz; 20th June 2006 at 14:20.
Reason: to update title
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3rd May 2006, 16:59
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#3 (permalink)
| | Classic Account Customer | Re: Mailman v HSBC
Quote: |
Originally Posted by Spiceskull Good luck with your claim.
Regarding the stuff they tell their customers being contradictory at all times, you might be interested to know what they tell their own staff...it will make your eyes water. If you would like to know more, PM me with an email address. | I'd be interested in knowing more. Is it not possible to post them here?
Neil. | |
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3rd May 2006, 17:09
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#4 (permalink)
| | Platinum Account Customer | Re: Mailman v HSBC
Quote: |
Originally Posted by neilloffhagen I'd be interested in knowing more. Is it not possible to post them here?
Neil. | Unfortunately not - but as an ordinary Joe I am willing to answer by email. | |
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7th June 2006, 17:27
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#6 (permalink)
| | Platinum Account Customer | Re: UPDATED: Mailman v HSBC
Quote: |
Originally Posted by mailmannz yesterday I lodged my claim online. | Good on you - good luck.  | |
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9th June 2006, 16:59
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#7 (permalink)
| | Classic Account Customer | Re: Mailman v HSBC
How is this for an efficient public service! I got a letter from the court on THURSDAY saying the claim had been sent to HSBC and that as from the 12th of June will assume the notice has been served if HSBC doesnt get back to them!
Farken hell, and here I thought the only people who were efficient were wheel clampers hired by local councils! 
So, the wheels on the bus are turning...cant wait for this to get to the hearing!
Regards
Mailman | |
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11th June 2006, 11:28
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#9 (permalink)
| | Classic Account Customer | Dirty HSBC tactics?
Saturday morning I received a letter from HSBC saying if I sign here everything will be forgiven...however the only problem is the sum mentioned £458 is far more than what I claimed (£205). And that if I signed they would give me £380 and be done with me (because the cost of defending the claim wasnt worth it rah rah rah etc).
So is this just more dirty tactics from HSBC or perhaps, this is what Im hoping, they have gone through my account and added up ALL charges I have paid!
The dirty *******, is there no end to the dirty, dirty games they will play! (MODERATED: Language please!)
Mailman
Last edited by barracad; 11th June 2006 at 14:14.
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12th June 2006, 19:28
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#11 (permalink)
| | Platinum Account Customer | Re: Mailman v HSBC
After consultation with SS, may we suggest a letter on the lines of:
"dear sir, I accept your offer of £WRONG unconditionally. However, as this was not the original claim amount, please confirm that this is the amount you are offering in full and final. If I do not hear from you by the time the sum is credited to my account I will take your silence as implication that this is, indeed, the bank's intended offer.... " or words to that effect.
If they confirm, then they can't really later claim it was an accident and you're in the clear. If they realise their mistake, you're no worse off than you were to start with.
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19th June 2006, 16:00
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#12 (permalink)
| | Classic Account Customer | Re: Mailman v HSBC
Well I received another letter on the weekend, this time from their solicitors (DG Solicitors) offering £205 with a confidentiality clause.
However I have since sent them a letter advising them that a confidentiality clause is a non-starter and that I expect the full amount to be paid free of any conditions.
So lets see how this one goes. Im picking them being prepared to drop the confidentiality and just paying out as it probably costs them a heck of a lot more an hour to engage their solicitors to defend such a small case 
Regards
Mailman | |
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