!! At least you're further down the road than I am.... Will give HSBC another week or so before I file my claim. Nothing at all to do with the fact I'm skint until then of course Keep pushing - they'll eventually cave in under the onslaught!

Hi - anyone able to advise? I got a car loan with the above co (based in Chester) in 2003, which was to be paid off by D/D. After having the D/D bounce several times (always paid in full later by me) I then decided to make payments by Bank Transfer. The loan (as far as I'm concerned) was paid off last month. Payment was due on the 1st of the month. I would always pay on the last working day of the month which is when I am paid Although I kept telling FC there was NO Direct Debit and I was paying by transfer, they continually harassed me asking for payment when it was already done, followed by letters stating I was being charged £30 when payment was already made. Neither was I supplied with statements even though I asked verbally and in writing. Anyway - after writing threatening action under the DP Act if statements weren't supplied, they swiftly sent me some earlier this week. I am aware FC have made late payment markings on my credit file which are not true as far as I am concerned, and have asked for these to be removed forthwith. I saw from the statements they reckon I owe £736 in late payment fees which I have refused to pay because as far as I am concerned, payments for the most part were NOT late and can be proved by bank statements. I know I can claim for the late fees I've already paid. Can they chase me for the remainder even though I have stated verbally and in writing I am not liable therefore not paying? Would appreciate some advice on this - Thanks!

Bump, bump....8)

Thanks Sharongina and pucc! Another question now - I remember there is a template on this site (I think) which asks for the bank's defence to be struck out. Where is it? Has anyone used this? And was it effective?? Thanks!

Anyone else able to shed some light on this? Thanks!

Hi - can anyone give me some advice? As I said on earlier posts, seems HSBC are now calling the Total Charges Notified Fees/Charges instead. I assume I can still claim these back? Also - did anyone see the article in the Daily Mail today? Very good article which I shall cut out and keep. It was all about reclaiming charges, and FAQ's. Thanks in advance.

Hmmm - have now sent the letter to my branch asking why the card was withdrawn. Don't think I'll be getting a response, far less the card back, but it'll be interesting to see. But - in view of the Lloyds TSB ruling earlier today, I see the judge has ruled that the 'fees' charged were lawful in his view. I appreciate this does not set a precedent, but have another question: I note from the online statements I took down from the 'net, that from Dec last year, instead of 'Total Charges' as before, I see they're now listed as 'Notified Fees/Charges'. Although I've added these on to my claim, might the bank now be able to challenge these from now on as 'Fees'? All I did was simply go through the statements adding on everything shown as 'Charge'. It did not specify what the charge was for.... Any pointers or advice gratefully welcomed. Thanks!!

Thanks girl! Yes - have already issued first letter asking for refund 12/4 followed by LBA on the 30th. All were sent by recorded delivery and I have the proof for both as well. The card was withdrawn on the 4th May. I am aware that they won't acknowledge my last letter far less pay out, so am gearing up to issue court proceedings shortly. This is why I've drafted the letter asking the bank for comments, which will also be sent by recorded delivery. In the latest letter, I did ask if withdrawal of the card might be termed as retaliation for the refund request? If it was, another complaint will be raised with the FO....:grin: I have the parachute set up and ready to go, as suspected HSBC may well try to recall the overdraft. Will keep you posted if you'd like?

Thanks very much for the advice and encouragement. One other question I wanted to ask: I saw on this website there is a template for asking for the defence to be struck out. Has anyone used it and has it been effective?

Can anyone help or advise? Thanks!

Hi Need some advice re: HSBC. Have sent letter requesting charges to be refunded. Standard letter received saying they will look into the matter. LBA sent 2 weeks ago, no response to that, so will be issuing court proceedings shortly. However, 10 days ago tried to withdraw funds via Link. The machine swallowed my card, which I found very strange considering I have been a lot more O/D in the past than I am now. The cynical side of me wonders if this was anything to do with the LBA I sent earlier that week? Anyway - after trying to call, and getting nowhere, have prepared a letter to be sent to my branch asking for their comments. My question is: Will sending that letter prejudice my case or should I wait until proceedings are complete?