Hey all!

It's been well over the 40 days now, and i haven't even recieved ANYTHING!

I've been to the information comissioners website, but their electronic form thingy is broken.

I would have tried that, but again there would have been no proof of them recieving it / cashing it in (as far as I'm aware - I searched the post office website for like half an hour!)

- Still not heard anything

Chris

Sadly I don't have a cheque book, so i sent cash, I'm concerned that they will say they never recieved it, but ho-hum!

I sent the Data Protection Act, Subject Access Request letter from the templates library.

I know it's not been 40 days yet... I'm just being impatient!

Chris x

.... Still nothing

Sorry if this has already been posted but:

http://news.bbc.co.uk/1/hi/england/manchester/4810490.stm

chris

The thing is, when other customers have written in, HSBC have been refunding the £10 fee.

Try.... http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

especially this part: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=7851

Well.. I think I've read on here someplace that someone totted up their charges online and some of them were missing, so it's probably best to get them all through the data protection act.

Also, in most cases HSBC have returned the £10 as far as I know.

- It would be worth paying the £10 also, as you can request any notes on wheather or not people have physically been involved in issuing you charges, this info is quite important, as one of the main arguments on illegal charges is that in the majority of cases money is charged for sending out automated letters....

I could be wrong, I've only just starting reading the forum myself, so if anyone else has any info on this would probably be better!

Chris

Sorry, I'm new to all of this, so can't really help.

Just wanted to wish you luck!

Chris

See: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=9807

I've been having the same problems!

Chris

Just been to the post office to send HSBC a letter requesting details of the charges I've incurred since my 18th birthday!

I'll keep you posted....

Chris

Hey guys, thanks for all of the replies.

LKJ... I had the same "what planet are you from?" response from HSBC when I quizzed them about it.

The main issue I have is that Solo cards can be issued to people under the age of 18, I'm pretty sure banks wouldn't let an under 18 go into over draft due to solo purchases being delayed because they would be unable to legally claim the money back (as far as i know!).

Also, since I joined Natwest in September 04, I've had a Solo card with them and NEVER had the same issue with my Solo Card there, so this seems it really is just an issue with HSBC customers over the age of 18 - which can't be right at all... the same features should be available for a product regardless of the age of the person using it?! - Right?!

Cheers guys, I slipped a tenner in the envelope and sent it recorded delivery!

Thanks for your help - I'm sure I'll be back for more soon!

Chris

Hi guys, not noticed this question on the forum, but sorry if i've missed it.

What is the best way to pay the £10 DPA fee?

Sadly I don't have a cheque book, and I doubt they will take it out of my account (as it is over the over draft limit).

Also could the fact the maximum fee for having the bank find, print and send all data they hold on us being £10 add to the weight that charges / fee's for banks posting an automated letter are excessive? - if so how could it be successfully used in an argument?!

Cheers

Chris

Either way you sound a bit like me - terrible at managing personal finances. All to frequently in the past I have just spent and spent and spent until I wasn't allowed to spend. It's only recently that I've learned to check my balance prior to spending if I'm not sure.

Checking my balance depresses me too much, it's vary rarely that I get a pleasent surprise through checking my balance!

- The small font was to make it seem like I wrote less...

And I'm definately going to try to claim back all the charges!

thanks for your reply

Chris

Hello Everyone!

I have some questions which have been troubling me for a while now, and I was wondering if any of you lot can shed some light onto it.

When I turned 18 HSBC sent me a shiny new Mastercard (which I was stupid enough to apply for), they upgraded my Solo card to a proper adult Switch Card and it took me about 6 months to get into a situation where HSBC were begging me to visit my local branch to sort out the debt I'd built up.

The way they'd worked my credit card was so the bill was payed by direct debit, therefore, my credit card bill was always payed on time, yet I was VERY overdrawn.

So I visited, they took away my shiny Mastercard, and payed off the rest of the bill along with my overdraft with a shiny new consolodation loan... with 5 years to pay it off.

They also took away my adult switch card, and replaced it with a sad Solo Card, they told me Mr Solo would keep me safe from getting into further debt as it will talk to the bank and ask permission before it spends any money.

Also they stated that I wasn't allowed to get overdrawn anymore, and had set up my account to prevent me from doing so.

Sadly, neither of there were the case, my card worked regardless of how much money I had in the bank.... which I have to say has left me confused and charged quite a bit.

Everything I've ever read about the solo card promises protection from getting into debt.

Solo was launched on 1st July 1997 by the Switch Card Scheme, then one of the world's leading domestic payment systems. Like its sister card Switch - which has now changed its name to Maestro, Solo is a fully electronic debit card and is just as convenient to use to pay for everyday goods & services. However, Solo offers a different level of financial control and reassurance: every transaction is authorised, so cardholders can only spend what is available in their account. This financial control with Switch-style convenience has brought sophisticated personal banking to new groups of customers.

Now I just assumed that I was being thick, and obviously there was something somewhere that I'd missed that would have explained the whole story to me and would make everything ok.

However, last year I opened an account with Natwest (- I'd gotten far too p*ssed off / concerned about how HSBC deal with stuff.)

I curiously asked the nice lady about Solo Cards (as I was getting a brand new one with my Natwest Account) and she seemed shocked at what I was telling her about HSBC and their Solo Card.

- She did point out that on occassion a transaction will be autherised, but that the bank will take responsibility for that and to inform them streight away if this happens.

So after this conversation with the nice Natwest Lady, I'd popped into my HSBC brance, the ask them what was going on. Their only response was "We have a different agreement with the card issuer."

So basically, if anyone could explain to me how this should work, what the difference between switch and solo is - as with HSBC there appears to be NO difference, and any other information that could help end my confusion I would be most greatful!

Thanks to anyone who reads this, and further thanks for anyone who replies! - I should hopefully get my charges back soon anyways, I'm just about to make a DPA request for a statement of charges!

Chris