A prelim approach to you guys for help on a guide to charges amounts

[NATTIE]

I am appealing to you guys who are winners and claimers to help me form a guide to amounts of charges. Maverick has given a useful guide as to what you are looking for but what about the amounts and their changes through the last 6 years.

This is a bit of a research thread that I hope you can help with. I will try and collate all the figures into one single thread so any help would be appreciated on this. This should help the Site Helpers and Mods to give an easy guide for claimers.

Thanks in advance as I am not an expert on HSBC

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[bong]

Hi - not sure if this is what you're after but I've listed the various charges info I've got for the last 6 years:

HSBC CURRENT ACCOUNT

Between 30/12/99 and 25/09/02 (possibly longer but no info. to support this) -£27.50 charged for any month when balance exceeded overdraft limit, whether for one day or more. This appeared on statement as TOTAL CHARGES



GOING OVERDRAWN OR EXCEEDING OVERDRAFT - DESCRIPTION TOTAL CHARGES

FROM ATLEAST 11/2003 £18, UP TO A MAXIMUM OF 4 PER CHARGING MONTH (£72.00)

W.E.F. 1/9/04 FOR NEW CUSTOMERS OR 30/12/04 FOR EXISTING CUSTOMERS - £20, UP TO A MAXIMUM OF 5 PER CHARGING MONTH (£100)

11/2005 TO CURRENT- £25, UP TO A MAXIMUM OF 5 PER CHARGING MONTH (£125)

10/2004 £30 FOR EACH USE OF MAESTRO CARD WHEN EXCEEDING AGREED LIMIT (£10 WHERE THE £30 CHARGE EXCEEDED THE VALUE OF THE CHEQUE)

06/2005 UNPAID CHQ FEE £30

[NATTIE]

Thanks for that its a good start, I appreciate your help

[NATTIE]

Guys I am please with the replies but need more info on this. I need Unpaid fees from 2000 to 2006(have the latest which is £30 and also updated fees proposed from 1/12/2006)
Also I need card misuse fees which is guaranteeing a cheque that is cashed that takes you over the limit. Is it called card misuse? and what were the amounts from 2000 to 2006.
Unarranged Borrowing or going over the limit, what is the charges 2000 to 2006?
This is when you go over an overdraft limit without prior arrangement. Is is called unarranged Borrowing?

This could be quite a long research project unless someone has charges leaflets or good knowledge of them from 2000.
Thanks for your help already but need more.

[NATTIE]

The penalty charges is slightly confusing to me so i will clarify myself on this prior to getting this up and running for the weekend. Can anyone add any further info before I post a new thread on charges from 2000 to 2006

[NATTIE]

I have a quick question re overdraft reviews as their charges are a little confusing on this matter. Stating that you do not get charged for it on the first few ocasions. Can someone with a bit of knowledge on them explain them. Am close to getting the charges bit for HSBC up and running but will need to understand this bit first. Thanks for your help in advance

[NATTIE]

HSBC- A guide to charges 2000-2006


for a description of what they are please read this http://www.consumeractiongroup.c o.uk/forum/hsbc-bank/15518-charges-description-statements-please.html


Amounts for Bounced Direct Debits/Standing Orders and Cheques


£30 figures for Jan 2003 onwards
As of 1/12/2006 see below

Return Fees
Up to £10 - - - - - - - - - - no fee
Up to £25 - - - - - - - - - - £10 per item
Over £25 - - - - - - - - - - £25 per item



Referral fees or Review fees- please see Maverick's thread on how these work.


The figures I have subject to confirmation by you guys is


£18.00 up to maximum of 4 is £72 per charging month which is for 1999-2003/4
£20 up to a maximum of 5 is £100 per charging month which is for 2004-05
£25 up to a maximum of 5 is £125 per charging month
And as of 1/12/206 see below

Arrangement Fees
1st overdraft in 6 months - - - - - - - - - - free
Subsequent overdrafts - - - - - - - - - - £25






Can anyone clarify any other fees I have missed?