Yeah they are great thanks!! Especially the reminder thingy....

I am very annoyed with the title of this thread. "The best way to get charges back"?? Suing them is the only way that works with these greedy people unfortunately. We shouldn't even give them the opportunity with prelim. letter and letters before action but as moderators say courts wouldn't like that. I never thought I could feel so angry about a corporation..... Degrading situations they put us through when we were down. If it weren't for those charges we would have recovered much earlier from the nightmare episode which lasted 3 years. So nobody should tell us there is a better way to get these charges back which includes being nice to

Hi. Sorry for the late reply I have been very busy. You are in luck. 1st get a copy of the terms and conditions for the card. As you will note, there is NO 120 day limit. You did not sign anything stating that you had to contact them within 120 days. If they say its in your TOS, look at it, its NOT there (I have looked at the online version for the Platinum credit card). MPORTANT – READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agre

You can now give credit to users whose posts you find especially useful. Click on the little scales icon in the top right of the post. there are five levels We now have a system of reputations in place. User Novitiate 0 User Informative 100 User Highly informative 250 User Authoritative 600 User Highly authoritative 1000 However, you have to build up reputaion giving power yourself by being a user for a certain number of days and having a certain number of posts. The idea is to give an indication to newcomers as to whose posts they should pay particular attention t

Hi Breadline! Have just tried that number for you. It says call between 8am and 9pm or if after 9pm leave a message and they will call you back. Suggest you call after 9pm, leave a message stating a specific time for them to call you. Be cheeky and say 8.55 pm!!!!!!!!! LOULA

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Hi Gary, The banks referral to the Ombudsman is a diversionary tactic, which they hope will bog you down for ages. Best bet is to start from scratch using the help and support here. It really does take a few days to get your head around all the arguments and all the information. You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'Step By Step Instructions.' Start this, be clear on what your first step is (requesting the info from the bank so that you can calculate what they owe you) Whilst waiting for the info, read up on your next step. If you make su

Hi Having read the FAQ's i see asking for more than 6 yrs worth of charges has not been tested, i am sure i have paid huge sums over 18 yrs, to the bank. Should i be the one to test and try the theroy, what do you guys think...?

A few pointer about the AQ: When it says 'what amount of the claim is in dispute' don't put a figure write in the box 'all of claim' When it asked for witnesses remebr to put yourself down and you are witness to 'all material facts' Estimate the trail time of 1 hours at a minimum. I'm sure they'll settle!

Hi - Welcome aboard...! You've made the first step by registering here. You'll get more help and support than you might imagine, since we are all pretty much in the same boat. The most important thing you need to do right now is to have a really good, detailed look at the FAQ section - this will hopefully answer all your questions and give you a great insight into the process that you will be undertaking - to get YOUR money back. Don't be scared of the banks, follow the proceedure shown and you will soon be controlling them! Once you have spent time looking through there, come back if you still have any queries that need r

Hi, It really does take a few days to get your head around all the arguments and all the information. You will be setting a timetable (the timetable that the bank says it will work to is irrelevant). In the FAQ you will find 'first steps.' Start this, be clear on what your first step is (which is requesting the info from the bank as you have done already). At this point you can only claim the charges they have taken from you, and the interest THEY have charged on the charges. The 8% APR is ONLY included when you raise a claim in the court. Whilst waiting for the info, read up on your next step. If you make sure you stick t

Phone them and ask them if a defence has been file in accordance with the reply pack or have they only indicated they will file. If its only an indication, then under the CPR (applied strictly) you are fully entitled to file for a default. If they say 'weel they have indicated a defence will be filed' ask them 'can you direct me in the CPR where it removes the right of a claimant to file for a default judgment only on an indication from the other party'. I had this recently. I went to court to file for a default on the 28th Day. The court staff tried to fob me off by saying 'we only accept these applications after 1 month'. I

I'm with you on this one Bookworm. I work as a carer, and I see no reason why property shouldn't be sold to pay for care. As long as there is nobody left living in it, then why not? The word "home" is used a bit emotively I think, as surely it changes from being a home to a house once someone leaves it for good. I'd be more that happy to sell my home if I moved into a residential home, after all It's no different to selling and moving to another house, except from the inheritance aspect

What's even more astounding is the 'spokesman' from Trumpton Town Council or wherever the noxious creep issues from is actually trying to justify this outrage. If I were the bailiff I would say, 'Now hang on a minute...'. Also, any official statement that begins, 'We apologise...' needs binning, preferably along with the bubble-head who made it. At least they didn't say 'We regret...". Anybody want to help form the UK's latest political movement, The Common Bloody Sense Party?

I don't know if they are allowed to do it - but they do it with great regularity. They cancelled my DD for my life cover linked to my mortgage and, yet again, didn't inform me. One thing with NatWest is they can't even claim to incur costs in sending a letter - I haven't recieved one for years!

Hi - I've removed some of the "the" and "a"s and other small words to reduce the number of words. Whether this will reduce the total number of lines not sure, but the meaning is still the same? It was 194 words, 1070 characters and is now 174 words and 996 characters Neil.

looks fine to me

Sorry, I thought this was a forum for grown-ups who had some clue as to how business operates. Obviously not, when even the "moderator" cannot reply without being personal! If you want treated wih respect, then try at least to treat others in the way you wish to be treated. Your brainwashed, chablis drinking, over-paid, soul-selling ex-forum member - not that you'll miss me BTW It takes two to settle - obviously the lure of ££££ has been too great!

i do understand your position charger as seeing as its a bank holiday which means you get the day off i would like to argue the case with you but to be honest i havent got the time as some of us have to work today to try and pay back some of the banks charges which seem to go towards the works anual piss up i hope you enjoy my cash when next you have a day off sat in the garden drinking chablis.

Don't be deflected - just keep to your timetable, remember that you are in control.

Looking at other responses from other users etc, it seems that the Bank will always choose to defend, but more often then not offer a "deal" just before entry in to the Court of the full amount, plus interest and plus costs. They normally do this, or you go in to the Judges chambers withour the Bank and win by default , which is ideally what you want in my opinion. That is a nice tidy sum you have there

As the group does not seem to have a definitive list of contact details for HSBC (that I am aware of) I wanted to post these two sites to the group. I must confess to being amused by the name/URL of the first...however, it does provide a couple of email addresses if you want to complain about bank charges. How to complain: HSBC Bank UK New Window: HSBC Bank plc: Find a Branch Additionally, DG Solicitors act for HSBC. Their contact details are: DG Solicitors 12 Calthorpe Road Edgbaston Birmingham B15 1QZ Tel: 0121 455 2111 Fax: 0121 455 2150 Contact: Deborah D'Aubney See the steps I took to get m