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FERRIER2079

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Yes probably too much like hard work with all the charges they have applied to my account, their manual intevention on that would have cost me a fortune!
  3. Just been thinking, my LBA and subsequent letters were all based on the estimated figure (which was near spot on) that I wanted reimbursed. Woill this cause a problem in court...should it get that far? Money claim was submitted with the correct amount I gathered from online statements though, but will HSBC use the estimate figure as a way out? I sent them an email saying they can expect to receive court papers shortly with the actual figure based on online statements.
  4. Hi! I have waited 3 months for statements so far. I had trouble getting into my online statements online for a while but managed to in the end. I wonder if they have someone at the website control centre who makes it difficult for us BAG members! HSBC tried charging me twice for them too! Good luck!
  5. So many people have had their tenners waived, quick settlement offers, queries returned! I asked HSBC to tally total charges and they said they weren't able to!
  6. The amount of poo they throw, it would be hard to smell their billion pound profit! LOL
  7. Hi people, Do you know reading this site is the highlight of my days! Updates (can't remember where I got to so in brief): 1. Requesting statements I sent letter asking for statements and they had until the 17th April to comply. They sent me a form to sign for duplicate statements which I sent off same day. Received two bunches of random, incomplete statements within days of each other, two weeks later received a third bunch of random, incomplete statements - exact copies of the last bunch! HSBC debited £10.00 on the 24th April for duplicate statements. Call centre (very little English spoken or understood) telephoned me to see if I had received statements and when told 'no' was expecting to see the whole lot sometime soon. Guess what? I never received the bleedin' things!!! Understandably, I did only ask for them 3 months ago!!!!! Filed a complaint with a commissioner as advised by SpiceSkull (which I have received two letters from since already!) 2. As advised by SpiceSkull (U lovely MoD u!) sent a request for refund with estimated figure based on the few lousy statements I did get. Sent 14th May. 3. Standard letter in the post (in no hurry) with standard complaints leaflet as many of forum members seem to have received. 4. 28th May (14 days to the dot) sent LBA. I then visited my bank a week later with a copy. The bank manager refused to see me. The bank staff refused to take the copy and give me a receipt. So I handed the letter to 'Katerina' while videoing the exchange with my mobile !!! My hubby walked out at this point bright red! My kids looked away! Another nice man on the staff informed me they had received the first letter and hadn't known what to do with it so sent it to their legal department. I told them that's what I had expected. I was apologised to over the delay. 5. Monday (12th June) received a reply from Colin Langdon (Senior Service QUALITY Officer!) saying: The bank does not agree with your contention that the charges that have been imposed are unlawful at Common Law or do not comply with Statute and recent consumer regulations. The contract is governed between bank and its customers... Refer you to clauses 7.11... If you authoprise a payment that would, if met by us, lead your account going overdrawn and a fee is payable for this service. Fees and charges are clearly stated blah blah And this represents their final response on the matter! 6. Today (15th June) filed Money Claim!!!! Lovin' it! I went through statements online (which would have saved me the tenner if I had known) for exact amount. I also couldn't help but send them an email once I got that Cow poo letter asking why they ignored my plea to enter a sincere dialogue and that their template responses are not good enough, I stated I expected a reply sooner than their standard two days, its been more than two days and no response! Probably on their 'Service Quality Training Day!' So peeps...WATCH THIS SPACE! Maybe England will reflect tonight what sort of luck I may have!
  8. Do anyone know if it would cause a problem should I address the 'letter before action' to the branch manager by name? Also when I issue a claim could I use the branch managers name or just HSBC?
  9. I have had exactly the same response! Along with the leaflet. So they are still sending standard responses even though we have asked them to enter into a sincere dialogue with us!!!
  10. Just to let you know Natwest offers a step account - very basic but my credit rating is pants and they let me on board even though I owe them money on an old business loan. P.S. So many HSBC customers seem to have their £10 DPA fee waivered. They tried charging me twice for statements and then haven't sent them!!!
  11. HSBC have either ignored my correspondence or 'passed it to the relevant department' who in turn ignored!!!! Yet when they wanted my loan repayment I had seven days in which to pay otherwise face action.
  12. That's great thanks. Can I find out how to contact the Information Commissioner with the estimated figure. Is he/she a figure for all the banks or just HSBC? Thanks for your help, will keep you posted!
  13. Yes, I used the letter from the library and gave them the 30 days to comply, the form they sent me to complete and sign included a tick box to debit the £10. Yes this is the case.
  14. I wrote to HSBC firstly in January to request my bank charges to be refunded, I was told this was impossible. I even cried at a meeting with the bank manger because I didn't know how I was supposed to feed my children and pay my rent. They said it was out of their hands. So imagine my anger/delight when I found the Bank Action Group. I have used your templates to get the ball rolling except they have ignored me or told me the matter has been passed to someone else. I sent a formal request for my bank statements, they sent me a form to complete and sign. I had given them until the 17th April 2006 to comply. I received two lots of random bank statements and then a third bunch - replicas of what they had already sent me! They were not in date order or complete. An Indian Call centre woman telephoned me to ask whether I had received the bank statements and I said no. Every question I asked her she said 'hmmm'. She then tried to get another payment of £10.00 from me in order to get the statements sent out again. I refused saying this had already been paid. I told her I needed the last six years bank statements sent out again. This was about 3 weeks ago and I have not received anything since. Not one more statement or telephone call. Oh, but I have been charged each month still, even though I stopped using the account in January. How do I go about getting these statements sent to me properly!? They are playing games.
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