Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Firstly, I would like to thank all of the Moderators, Higher account holders and of course Dave for setting up this wonderful site!. People who give up there valualble?? valuable time to help others deserve to be rewarded in Heaven or at least shown a good time in Hell!!.
This is the start of my claim against HSBC. I already had all of my statements (filed by my ever efficient wife!) and have totalled the charges on my 2 main accounts to £3759. I have written by initial request letter for the charges back and will deliver that by hand to my local branch on Monday morning with the beakdown included. Within that letter, I have also included the wonderful phrase of 'manual intervention' to see if they can produce anything and at least get it mentioned as I did not have to request my statements (thought it could not do any harm). I have not included any interest charges as the figure I am claiming for is high enough and they can keep this for all of the times i did overspend!
The beauty of this site is that it is run by people who do not want to simply have a go at the banks but only fight for what is right. We probably all agree that if we go over an agreed O/D limit then we could pay a penalty, and if that penalty was £2 - £3 for an automatic letter (or no letter/call at all) to be sent then fair enough we have been 'punished', but to charge £25 - £35 plus for this is disgusting and HSBC don't even break down the charge only calling it Total Charges. Banking is a business and it has to make money as we all do but I think we all agree they are making far too much from the people who cannot really afford it and this is our chance to make a stand and hopefully attract the Governments attention so they can stop this at the source (although the banks will put up a mighty fight and the powers that be will probably back down - terrified without the banks support come election day).
Anyway, enough of my 'babble' and on with the cause......
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
Hi Guys, have just dropped my initial letter of request for refund to my local branch by hand. Felt quite good to get the process going. Let's see what they come up with.
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
Quick note, spoke to HSBC today to confirm my letter is being dealt with (and was not lost in branch) and they confirm it is going through the system and should get a reply within 5 working days.
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
Quick note, spoke to HSBC today to confirm my letter is being dealt with (and was not lost in branch) and they confirm it is going through the system and should get a reply within 5 working days.
Sorry Barney, I don't like pointing out typos (and don't usually do it, especially in public) but you appear to have typed days instead of weeks!
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
Just to let you guys know, the first 14 days has passed yesterday and no reply at all from HSBC (God love 'em!). Sending lba tomorrow (first opportunity I've had). Will keep you all posted.
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
Hi all, just to let you know I have had no word from HSBC from my initial letter but I was not expecting much!.
lba was given to branch today by hand and receipt received (although they had to sign one I took with me - they looked a bit clueless :? with regards this request)
Since my initial letter they have imposed more charges so I have added these to the spreadsheet and shown this in the LBA as well as including a new copy of the Breakdown.
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
Mornin', received a letter today from Colin Langdale (Senior Service (or lack of) Quality Officer) basically saying 'charges are justified - go to the Ombudsman, yada yada yada .......'
Well we all know about that one. Anyway the second letter was handed in yesterday so I am sticking to my schedule and entering round two (ding ding).
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
HSBC 15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!! OTHERS
04/08 - Conf rec'd from Capital One - sending statements
07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282
10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437
10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.
If any advice I give is helpful then please hit the scales - Top Right. Thank you.
** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
Barney2002 VS HSBC - Round one!!
time to help others deserve to be rewarded in Heaven or at least shown a good time in Hell!!.
. I already had all of my statements (filed by my ever efficient wife!) and have totalled the charges on my 2 main accounts to £3759. I have written by initial request letter for the charges back and will deliver that by hand to my local branch on Monday morning with the beakdown included. Within that letter, I have also included the wonderful phrase of 'manual intervention' to see if they can produce anything and at least get it mentioned as I did not have to request my statements (thought it could not do any harm). I have not included any interest
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Re: Barney2002 VS HSBC - Round one!!
Originally Posted by barney2002
Re: Barney2002 VS HSBC - Round one!!
Re: Barney2002 VS HSBC - Round one!!
