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Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> HSBC Bank > HSBC, FD and HFC successes

HSBC, FD and HFC successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread


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Old 28th May 2006, 18:02   #1 (permalink)
forcels
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Default Forcels's girlfriend vs HSBC - SETTLED IN FULL

Helping my girlfriend with her claim because 'I'm better at all this stuff than she is'. Her words not mine!

Anyway... story so far is:
  • 10/5/06 - Data Protection Act request delivered in person to local branch
  • 17/5/06 - Request acknowledged and Subject Access Request fee waived
  • 25/5/06 - Statements since account opening delivered in full
  • 26/5/06 - Charges and relevant debit interest calculated: £912 of charges and just shy of £30 interest.
  • 27/5/06 - Letter demanding repayment of £942 delivered in person to local branch
Awaiting response now.

Much thanx to all on CAG forum - couldn't be done without ur help!

Forcels
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Old 28th May 2006, 18:42   #2 (permalink)
jonni2bad
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Default Re: Forcels's girlfriend vs HSBC

Good luck - we'll watch with interest.

Welcome aboard too
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Old 9th June 2006, 11:56   #3 (permalink)
forcels
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Default Re: Forcels's girlfriend vs HSBC

OK, will be 14 days tommorow since she handed in letter requesting repayment of charges. So far, no action taken whatsoever by HSBC.

Assuming they don't respond today or tomorrow, we were going to write another letter to HSBC with a completed claim form N1 attached giving them another 14 days.

Just wondered if anyone had any ideas that might be more effective?
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Old 10th June 2006, 00:00   #4 (permalink)
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Default Re: Forcels's girlfriend vs HSBC

Quote:
Originally Posted by forcels
OK, will be 14 days tommorow since she handed in letter requesting repayment of charges. So far, no action taken whatsoever by HSBC.

Assuming they don't respond today or tomorrow, we were going to write another letter to HSBC with a completed claim form N1 attached giving them another 14 days.

Just wondered if anyone had any ideas that might be more effective?
did you go straight to the lba letter wthout the preliminary first, and why do you send the n1 to hsbc?
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Old 10th June 2006, 00:02   #5 (permalink)
fivelaws
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Default Re: Forcels's girlfriend vs HSBC

I asked about the etiquette of sending a draft N1 with the LBA and got the impression that this is now forwned on.

Best not to bother, apparently.
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Old 10th June 2006, 00:35   #6 (permalink)
Don Quioxte
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Default Re: Forcels's girlfriend vs HSBC

My suggestion would be not to get too cocksure. Sending a copy of a completed N1 form only serves to give the bank additional notification of the particulars of claim (and thus prepare to acknowledge and defend the case) - and secondly, in my opinion, there is no justification for appearing more legally adept and knowledgable than is absolutely necessary... the banks have seven figure salaried, in-house legal teams, and are far more adept at handling legal matters than the typical customer/layman - and do not need to be aggravated unduly! better to just follow due process and a slightly less agressive tact - it will be just as effective I assure you.
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HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.
BARCLAYS settled in full 2 days prior to submission of defence by Barclays
CAP ONE settled in full on day 14 of LBA (£210)
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Old 11th June 2006, 08:34   #7 (permalink)
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Default Re: Forcels's girlfriend vs HSBC

yeah thats kinda what i figured
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Old 11th June 2006, 12:20   #8 (permalink)
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Default Re: Forcels's girlfriend vs HSBC

OK, thanks all.
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Old 16th June 2006, 14:46   #9 (permalink)
forcels
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Default Re: Forcels's girlfriend vs HSBC

Looks like this matter's closed

HSBC got back with an offer today for £820. Explained to girlfriend that the only reason they're offering her £820 is because they know they'd have to pay the full £940 if she pressed a bit harder.

However she's decided to take the £820 to bring matters to a swift conclusion as she's soon off to Eastern Europe travelling for several weeks.

Thanks for all your help - donation on its way soon.

ForceLS & Girlfriend
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Old 16th June 2006, 19:45   #10 (permalink)
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Default Re: Forcels's girlfriend vs HSBC

Yay!


Don't forget to fill out the survey.
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Old 16th June 2006, 21:25   #11 (permalink)
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Default Re: Forcels's girlfriend vs HSBC - SETTLED IN FULL

CONGRATULATIONS
This is great news, well done.
Would you please fill out our survey -
Bank Charges Refund Survey

(and don't forget we can only survive if we get donations!! cough cough)
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