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FREDERICKY

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  1. Thanks I will give it a go
  2. Sorry to be a pain. I am not very good at all this at the best of times but unfortunatly my computer blew up and I can't remember where i'm up to.From what I remember in 2008 I went through the proceedure with a SAR, a PAR, a LBA and a POC.And in June 2008 I received my last letter from HSBC putting my claim for unarranged overdraft charges complaint on hold.I have now recived a letter from them informing me that after the recent court case with the office of fair trading they now wish to deal with my complaint. They then tell me that they are not upholding my complaint and basically go away. Is this as they say the end of it or can I do anything else.
  3. I would if I could but i cant type very fast and it would have took 3 days
  4. I received exact same letter from same person and am asking same question had no reply yet but keep an eye on my thread and i will watch yours
  5. After all the help I sent my PAR I have now received a reply from a Jim Large Generl Manager . They acknowlege receipt of my complaint but say they are not going to do anything till the test case is resolved. So do I just wait or do I send my LBA
  6. Thanks I will have to look for something else to claim
  7. I have a mortgage with Nat West which I borrowed a extra £10,000 and was charged £245 valuation fee on a house which was valued when I took the mortgage out just one year earlier.I have also been charged £495 new product fee last year when I re-mortgaged to get a better rate. Are these two fees claimable
  8. I did send a reply but I think there was a crash somewhere along the line.Thanks for everyones help .So basically unless I am charged penalties in this case DR TOTAL CHARGES I cant claim for DR INTEREST.
  9. I have started again and again double and treble checked everything and no one else seems to have any problem so it must be me and chances are its something quite simple.What I have found if i input a charge in the left hand side of the spreadsheet with a date befoe the date of my first input on the right hand side everything works and I get a figure. As soon as I delete it as I have no ordinary charges to put in the left hand side the iterest on penalties dissappears. Anybody got any ideas
  10. I am afraid I am getting a bit stuck at this one spot.I was charged it was listed as DR INTEREST I was overdrawn I have inputted as such in various spreadsheets and nothing comes out the other side.Sso obviously I dont know what to claim.with all the people whoom have gone throughg the same procedure I must be doing something wrong I just dont no what.
  11. No i have been trying for hours now just to get a figure in the interest on penalties column but no luck. A typical row is 10/08/2001 13.05 -764.92 BLANK BLANK
  12. Thanks to you both at least you have narrowed my problem down.There must be something i am doing wrong in that balance at interest date I am am entering -figures(minus figures)
  13. I just had a quick look at it and put a few figures in the right hand side as before but I still am not getting any figures in the interest on penalties column.Sorry if not doing things right but its all new to me.Im just trying to find out what I can claim for
  14. Yes i will PM you as I am a bit confused as to what I can claim and how to get the figures
  15. Thanks for your reply its a good job you did. Its seems im still doing something wrong.I went back and read everything in honeygie v HSBC especially post 26.I inputted all charges listed as DR INTEREST in the right hand side of the advanced spreadsheet but no interest on penalties showed up untill I put in my DR TOTAL CHARGES in the left hand side and when I deleted those charges the interest on charges went too.
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