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    • Update 15th March the eviction notice period expired, and I paid my next month rent along with sending them the message discussed above. After a short while they just emailed me back this dry phrase "Thank you for your email." In two weeks' time I'm gonna need to pay the rent again, and I have such a feeling that shortly after that date the contracts will be exchanged and all the payments will be made.  Now my main concern is, if possible, not to end up paying rent after I move out.  
    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
    • Welcome to the Forum I have moved your topic to the appropriate forum  Residential and Commercial lettings/Freehold issues Please continue to post here.   Andy
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HSBC overdraft charges


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I went overdrawn christmas, on 17th January £125 of charges was applied to my account. They did not write to let me know these charges were going to be applied, the first i knew about them was when checking my online statement.

 

I emailed them asking for a breakdown of these charges and also mentioned that i was in financial difficulties and these charges, without warning had just made my situation a whole lot worse.

 

This is there reply:

 

Case: ******* statement enquirese (why a case number, i just asked a question)

 

I can confirm that you will be charged an overdraft review fee of £25 on each occasion that you go overdrawn by more than £10 or then further increase the overdrawn balance by more than £10. A maximum of £125 can be charged in any one charging period.

 

Please be advised that the overdraft review fees of £125 occurred during charging period 27 nov - 26 dec and were due to the following:

 

6 dec - £1553.33 overdrawn

7 dec - £1662.16 overdrawn

12 dec - 1548.07 overdrawn

13 dec - 1606.07 overdrawn

14 dec - 1984.37 overdrawn

 

please note that we will only charge an overdraft review fee every time you go overdrawn or further overdrawn without our agreement or exceed or further exced an agreed overdraft limit.

 

Although we cannot refund these charges which have been correctly calculated and applied in accordance to the Banks standard tariff, we may be able to help you to avoid this situation in the future by giving you an increased overdraft limit.

 

Yours sincerely

M Bowden

manager customer credit services

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I went overdrawn christmas, on 17th January £125 of charges was applied to my account. They did not write to let me know these charges were going to be applied, the first i knew about them was when checking my online statement.

 

I emailed them asking for a breakdown of these charges and also mentioned that i was in financial difficulties and these charges, without warning had just made my situation a whole lot worse.

 

This is there reply:

 

Case: ******* statement enquirese (why a case number, i just asked a question)

 

I can confirm that you will be charged an overdraft review fee of £25 on each occasion that you go overdrawn by more than £10 or then further increase the overdrawn balance by more than £10. A maximum of £125 can be charged in any one charging period.

 

Please be advised that the overdraft review fees of £125 occurred during charging period 27 nov - 26 dec and were due to the following:

 

6 dec - £1553.33 overdrawn

7 dec - £1662.16 overdrawn

12 dec - 1548.07 overdrawn

13 dec - 1606.07 overdrawn

14 dec - 1984.37 overdrawn

 

please note that we will only charge an overdraft review fee every time you go overdrawn or further overdrawn without our agreement or exceed or further exced an agreed overdraft limit.

 

Although we cannot refund these charges which have been correctly calculated and applied in accordance to the Banks standard tariff, we may be able to help you to avoid this situation in the future by giving you an increased overdraft limit.

 

Yours sincerely

M Bowden

manager customer credit services

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to continue, my overdraft limit is £1500 and after having these charges i then cleared my overdraft with my egg card. Just checked my online statement today and they charged my another £125 on 17 Feb so now i'm overdrawn again.

 

Really feel they are taking the piss and its time to fight back but what can i do, is the wording of the above letter there get out clause or can i still demand my money back?

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to continue, my overdraft limit is £1500 and after having these charges i then cleared my overdraft with my egg card. Just checked my online statement today and they charged my another £125 on 17 Feb so now i'm overdrawn again.

 

Really feel they are taking the piss and its time to fight back but what can i do, is the wording of the above letter there get out clause or can i still demand my money back?

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demand your money back

If you know how much then you can just send a letter from the library giving them 14 days to cough up or else they get the Good News.

 

Open another account elsewhere

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demand your money back

If you know how much then you can just send a letter from the library giving them 14 days to cough up or else they get the Good News.

 

Open another account elsewhere

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The banks appear to be under the impression that they can charge "punishment charges" to people, and then follow the logic that if they can create the situation that they can apply the punishment charges to, that gives them some god-given right to go ahead.

 

One thing that disturbs me greatly is they are widening the scope of this. Originally it was specifically the low paid (benefits a main target) who were subject to this, but now they appear to be extending it to ANYONE who has an overdraft. ANYTHING to drive those people a few pounds over the agreed limit, and then they have an excuse to apply charges without warning, when doing so would again cause the overdraft to go over its limit - result: a domino effect of charging which is extremely hard for the customer to break out of, and extremely profitable for the banks.

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The banks appear to be under the impression that they can charge "punishment charges" to people, and then follow the logic that if they can create the situation that they can apply the punishment charges to, that gives them some god-given right to go ahead.

 

One thing that disturbs me greatly is they are widening the scope of this. Originally it was specifically the low paid (benefits a main target) who were subject to this, but now they appear to be extending it to ANYONE who has an overdraft. ANYTHING to drive those people a few pounds over the agreed limit, and then they have an excuse to apply charges without warning, when doing so would again cause the overdraft to go over its limit - result: a domino effect of charging which is extremely hard for the customer to break out of, and extremely profitable for the banks.

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  • 3 weeks later...

Well, i'm getting organised, i've gone through my online statements on this account and my other accounts with hsbc and the total charges they have taken in the last 6 years = £767.00 I've put this with the dates in the spreadsheet provided here and the interest takes it to £952.17

 

I've opened a bank account elsewhere for myself so i have a back up and hubby is in the process of doing the same as the one account is joint so nearly ready to go.

 

Something i noticed though when going through all the charges is that the charging amounts used to be the same every month regardless of how much i exceeded my overdraft limit, it was always a set fee of £27.50 which in 2003 went up to £36 then in 2004 dropped to £18, 2005 it was £20 so why in 06 does it suddenly shoot up to £125 for both jan and feb? Have hsbc changed there terms and conditions relating to charges? does anyone know? as if i had been charged similar to previous occasions i know i wouldn't be taking steps to get my money back but would have just accepted it.

 

confused

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You know that you don't claim the 8% yet, don't you. Only when you ut the claim in. As to why ....? I'm sure that God only knows - maybe.

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  • 5 years later...

i got charged 150 quid, no warning, just pre notified on my statement, went into the bank to find out why ect, very unhelpful staff. of course there was also on top of that a 12.95 account fee and i got interest added to my account of a whopping £1.02.

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  • 7 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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