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.
I know the information I'm asking for is on the forum and I should look for it myself but I'm to Ill to look through or understand it at the moment.
I'll get on with it now.
I've been banking with HSBC now for 9 years and I've had my DLA paid in to my current account for those 9 years also. They have also taken my benefit for 9 yerars too. I get paid around £350 and each month for the past 9 years they have taken take £150. £100 for going £100 overdrawn it's an authorised overdraft and they charge me another £50 on top of that for some reason. Which has left my in financial hardship for those years and I'm sick of it.
I have now opened another account with Natewst to have my benefit paid into. Can I claim back the money the bank have taken of me for the past 9 years. HSBC have pushed me to far this time and I'd like the benefits they have taken of me all these years back.
I'd like to know if this is a lost cause or if I should just start a new leaf with all of my benefit being mine to keep?
If they've been charging exorbitant charges on charges ..... (which it sounds like they're doing .... ) and using your benefit to service the debt which they've created , then it's not on .
I think you need to work out how much they have taken like this over the years and set about claiming it back .
It's good that you've moved it out of their clutches by having a parachute account with Natwest ......well done ...
By all means start a new leaf with that , but don't let them get away with plundering your finances for all these years ....
Once you know how much they owe you use the template letter on here to ask for it back ......
It may also be worth while having a word with your Work & Pensions (or whoever pays your DLA ... and tell them what's been happening to your benefits ..... they may assist you to get them back ......
I hope you're well enough to set this ball rolling Nicola ,it'll help you immensely I'm sure if you can retrieve even some of what they've taken from you .....
If you need further help , just come back and ask ,.it may not be me ..... but someone will answer ....
Nemo me impune lacessit
Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
If you think I've helped you please feel free to tickle my star
You will also need an income & expenditure statement to show the appropriation. There is a link to one on the above letter.
HTH (Hope This Helps) RDM2006
THE FORCE (OF CAG) IS WITH YOU
We've Helped You To Claim - Now Help Us Remain
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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
However, if you have found any advice you have been given helpful.
You will also need an income & expenditure statement to show the appropriation. There is a link to one on the above letter.
Thanks for that information. It will be handy if I ever need it. I don't plan on going overdrawn ever again. I'm starting a new leaf. Start as I mean to go on. I hate having money troubles so it's a very big incentive to keep in the black.
How do I sum up the charges? Do I send a SAR? and what counts as charges?
Thanks for that information. It will be handy if I ever need it. I don't plan on going overdrawn ever again. I'm starting a new leaf. Start as I mean to go on. I hate having money troubles so it's a very big incentive to keep in the black.
How do I sum up the charges? Do I send a SAR? and what counts as charges?
Thanks.
Your Welcome
Yes - send a SAR - Do not ask for statements or you may be charged. Ask for all info they hold on you including a list of transactions which may (at their own cost) be in the format of copy statements.
The charges you can claim for are (or were when i did it) Unpaid Chq, DD etc and the Total charges (as this is not a total it is another set of charges)
HTH (Hope This Helps) RDM2006
THE FORCE (OF CAG) IS WITH YOU
We've Helped You To Claim - Now Help Us Remain
A live Site - Make a Donation
All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.
However, if you have found any advice you have been given helpful.
HSBC Bank Charges
now for 9 years and I've had my DLA paid in to my current account for those 9 years also. They have also taken my benefit for 9 yerars too. I get paid around £350 and each month for the past 9 years they have taken take £150. £100 for going £100 overdrawn it's an authorised overdraft
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Originally Posted by rdm2006
