Hello all, I need some help with a claim. I'm new to all of this, and have only been "researching" it from today. I want to claim back from HSBC - I've been with them for as long as I can remember. I need your help on this though. I don't want HSBC to delete my account or anything and to be honest I'm scared in doing this.

I need some templates, and an address for HSBC to send them too, and any other support you lot have give me on this forum.

I do really hope that there is somewhere out there willing to lend a hand.

Cheers.

Kieron

Welcome.

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.c o....hat-youre.html

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

The FAQ’s, Step by Step Guide and all the info to get you started are here:

FAQs

Example Step-By-Step Instructions

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

See here:

MIS-CLAIM TUTORIAL or HOW NOT TO GET YOUR MONEY BACK

Good luck

Thanks alot for your reply. I have read alot about the process, and seen it on TV - just never though that I would ever do it. I only thought "I could do that" a few hours ago when I saw a post on it on Hotukdeals.

I'll read all the threads you mentioned above, and post back here when I've done so.

Thanks alot.

Edit: One other thing, how do I go about getting the records of charges from HSBC? Do I have to send the letter or is there an easier way?

You can send the letter or do as I did and get your statements online if your account is still open. You will find all this information in the FAQ's. Just come back with any particular questions. Someone will always answer you!

Welcome to the forum!

Thanks alot for the warm welcome.

I did read about the online banking retrieval, but do you have to copy every one of the statements for the past 6 years? I'd rather send them a letter.

Can you fax this letter? And do you have to include a £10 cheque??

Can someone please help with calculating the bank charges bit, I'm kind of confused.

I think I'm going to do it with the online banking method I'm just wondering when I find something that I can reclaim where do I put it to calculate?

Do I have to go thru each of the 72 statements and manually retrieve the charges?

Cheers.

Hi, Kiewee.

Have a look here.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Regards.

Scott.

hi kiewee & welcome

getting your figures correct from the start is one less thing to deal with later on if a mistake is made.

take your time. yes you will need to go though each statement to pick out the charges. mark each one with a highlight pen or a cross so that you can identify them easily when youre transferring the info onto the spreadsheet.

good luck

Thanks all for your replies. I'm going to send off my letter requesting them, because I don't have a printer and I don't have the time to print 75 pages...

If anyone can help me find a list of any charges that I can reclaim, I'll be forever in your debt. (No pun intended)

Hello all. I've just calculated what HSBC owe me. £1,787.59 (£1,471.00 without 8% APR Interest). One strange thing though, over the past 6 years the only charges that were aplicable to be refunded upon, were "TOTAL CHARGES".

Anyway, I'm happy! Now, I'm going to choose a template letter, change the details to mine, then post it together with this excel printout.

One more thing. Should I ask for the money with the extra £316.59 interest on top? If I don't do I just delete the column with the interest in?

Thanks for all your help.

PS. For the letter, should I use this template? (http://www.moneysavingexpert.com/redir/d8af30af)

If anyone does read this thread can they please reply, if I get this all ready I can print it tomorrow - otherwise I'm going to have to wait for ages.

Hi, Don't include the Interest until you file at court.

Regards.

Scott.

Thanks alot mate I'm using one of the templates that was on a tutorial. Looks good.

What address should I post it to? Please don't post with a link to a load of hsbc addresses because I don't know what one to send it too.

PRELIM LETTER & LBA

Colin Langdale,

Senior Service Quality Officer

HSBC

Arlington Business Centre

Millshaw Park Lane

Leeds LS11 0PP

Just found it, thanks anyway though.

and dont use the letter template from the link in post 11 - best to use one from this site

ill go get it for you

I found it.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

:]

thats the one

thats the one

Printing and posting it tomorrow - I'll keep you all updated.

Letter posted on the 17th. Dated for the 18th. 14 days from then, is 1st August. I'll post back then or before, if I've received a reply or not.

you'll probably just get a 'we're looking into it' letter

you can prepare yourself for the next stage (the letter before action) & continue to read up on other threads so you become familiar with the process.

youre doing well

Read every tutorial I could find on this website and others. My LBA is ready to be posted also.

I'm well prepared.