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 have received six years worth of statements from HSBC and I have found £212 of charges. I am now keen to send the prelim letter to start the ball rolling on trying to get my money back (I know it's not a lot but it's still my money!). However, although I already have a second bank account (joint account with Barclays), I do have an overdraft on my HSBC account that I would find difficult to suddenly pay off if HSBC decide to cancel my overdraft or close my account. I have read on other threads that HSBC are generally only closing accounts if a second claim is made, but I have read posts from people claiming against HSBC who have had their overdraft cancelled or accounts closed. My problem is that all of these people have been claiming a lot more money than I am (£1000+) and I am wondering whether I am likely to end up having to find the money to clear my overdraft, and whether the amount I am claiming has any bearing on the likelihood of this happening?
Apologies if any of this sounds a bit muddled - my brain is feeling a bit fried from reading the forum for the last 5 hours. But if anyone can offer some feedback/advice then I would be most grateful.
You're right it is your money no matter what the amount and you will get it back if you play by the CAG rules.
I had a successful claim against HSBC in March/April for £455. It was a painless process. I still have my account with them and my overdraft facility.
Obviously I can only tell you my situation and there are no guarantees which is why CAG always suggests having a parachute account but I'm sure you will be just fine ;-)
chelly as yet they are not listed among the three banks who routinely close accounts on the first action, ( A&L Nationwide and abnother one i cant recall ATM) of course they might decide to be vindictive but it is unlikely. good luck
Well I have decided to try to get my money back from HSBC. I have copied the prelim letter from the library and have a question to enable me to finish it off. I sent my data protection request to my local branch and was going to do the same with the prelim letter but I have just remembered that I received a letter from Ian Shepherd in response to my data protection request. Would it therefore be better to address the prelim letter to him directly or send it to my local branch?
Info on HSBC response to claims please
and I have found £212 of charges. I am now keen to send the prelim letter to start the ball rolling on trying to get my money back (I know it's not a lot but it's still my money!). However, although I already have a second bank account (joint account with Barclays), I do have an overdraft
Reply With Quote
