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.
If you have been successful in your claim with HSBC but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.
This will give other users an at-a-glance guide to other cases that have been won and may just give them that extra little bit of confidence needed to pursue HSBC themselves.
If you can't PM a mod for whatever reason then just reply to this thread.
BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.
If you win, donate to this site
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Hi, I started my mission back in July. What really helped move things along was using my online banking messaging facilities. I guess the 'agents' dont like open tickets, but who knows. But the good news is that after going for 1160 in charges over the last 6 years I got a letter offering 1026. which I have taken. Thanks for your help and good luck everyone else, all the best Wayne
Hi all, I received a letter from HSBC last week {while I was away on holiday} saying they have debited my acct with the full amount which they have £5,402,61. Thanks to all of you for your help.
Sent 1st letter to Leeds Service centre on 2nd January 14 Days up yesterday
when i got home there was a nice letter from Mr Langdale making an offer
i claimed £2200 (+600 interest) and got back £1890 (roughly 85%).
Got put through to own branch today (first time in years) to ask how it is made up and was told
a) it is not shown on your banking record (although may do when they receive your accpetance)
b)They have had to set up a seperate office and team in Leeds to cope with all the claims.
Nice to know that this site has helped reduce unemployment
A very happy customer
P.s from latest offers posted from HSBC seems around 85% of amount claimed is what they are offering
I received an offer of £4,400 (which includes interest and £120 court costs, though not moneyclaim online charge) and after they minused £82.50 which they claim were outside the 6 year limitation period for bringing claims. It may be outside now but cetainly wasn't when I brought my claim to their attention last year.
I may accept their poor calculation, but not sure I should...
I guess I will also have to submit a new claim for all illegal charges since the claim period ended.
I have been with HSBC for over 8 year and they have chrged me alot of times for being overdrawn. I'm glad i've found this site so hopefully i'll claim it all back. Just looking to send of my first letter.
Have just had £2,824.69 returned to my account. Started claim 18th October, they did not even answer 1st letter, 2nd one sent, no reply, started small claim action, they defended it, wrote to me via solicitor, I filled in another form to go to court and recieved letter from solicitor to say 'they were making an ex-gratia payment, but were not admitting liabilty'. The above amount included interest at 8%, so I recieved more back than they had taken! result
Bank: HSBC
Charges claimed : £325 (i didnt bother with interest)
Charges received: £350 (as between sending letter and response another charge came through)
Yippie victory and surprisingly easily. Luckily I didnt have to get my statements as i had them all. So it was sending the claims letter from this site (23rd Jan 07). Within days a reply that they were looking into it. Should have had a reply last Friday but gave them some time. And this morning I received the message that they would refund my charges. Just have to sign a form, send it back and get paid :j
Only one missing is prepaid envelop or respond address LOL
The only interesting quote is in there first paragraph.
"In circumstances where you have authorised a payment that would, if met by us, lead to your account going overdrawn or over an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are set out in our published price list. The circumstances in which the fee will apply are set out in our Personal Banking terms and conditions that you were provided with a copy of when you opened your account. If you claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees."
However because I only claim a small amount they guess its better to pay than go to court. :rotfl:
Remember that a tree, though apparently unmoving, needs to be in the flow, once it broke it to live.
I started claiming against HSBC on 19th January - received a letter today saying they would offer £626 (as someone else said that's about 85% of the total claimed). I'm quite happy to accept that so sent the form off today.
However, a few days ago I received a seperate letter, seemingly from my branch, that just said they wanted to contact me about a 'Financial Review" - when I rang the 0845 number they didn't know what I was talking about and couldn't help, but now I'm worried they're going to close my account. Is this likely? Has it happened to anyone else? I do have a £1500 overdraft so maybe they want me to get rid of that.
success !
just to let you all know , another one here , got back £1850 out of £2000 i claimed , so happy days !
thanks to this site and everyone on here , you were a big help !
just started looking over all the info (which there is lots of). Nice to know how many sucess' there have been and I am going to start the process in next couple of days. will let you know ehat happens.
Just put in my letter today 26th Jan. I'm claiming for £2,714 in total so will let you know. Opened a 'cash account' with Barclay's today, no debit card or anything but just wanted something to fall back on. Will report back in 14 days!
I started back in December claiming £1013.73 thats including £80 to file the papers, I recieved a letter yesterday from DG solicitors saying that there client is willing to settle in full, but of course not admitting liability,blah blah
Successful Claims
but the thread title doesn't show **WON** or **SETTLED** can you please send a private message to one of the mods to change the title and put it in the successes sub-forum.
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