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

This topic was closed on 03/07/19. 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

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This topic was closed on 03/06/19. 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 their. 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

Hi, I'm hoping this is the correct forum to post this. If not please forgive and can someone move it to the correct one? The other week, on Friday evening, I went on-line and transferred £350 from my Abbey account to my HSBC account. Doing this as I realised that my HSBC account would exceed the agreed over-draught and didn't want to go through the claiming bit again (having successfully claimed back just over £1000 from then about s yet back). However the money did not reach the HSBC account till the following Wednesday. I called up both banks to inquire why it took so long and they said "because it does". I kept on asking but why and eventually gave up, as they kept repeating the same answer. They did however say if I'd asked for it to be done quicker it could be but there would be a charge for such a service. So I had finally got them to admit it could be done the next day, but you'd have to pay for it!! So my question is, are they allowed to make a charge for such a service? The reason I'm on about this is that the late arrival of funds into the HSBC cost me £75.00 in charges. Well, it would have done but after much disputing it over the phone they reduced it to £25.00, for three items, which is closer to a reasonable charge. If abbey had transferred the money the next day there would have been no charge!! Are they liable for that charge as it was their fault, or was it all my fault for not arranging the transfer sooner? Thoughts? Neil.

Don't give up - complain!! They must have other copies of the leaflet from the date you got yours. They prpobably changed the text becasue they were getting too many claims I'd put it all in a letter and if you have the time hand deliver it to your branch, asking for a receipt, or send it recorded delivery, saying the terms you read mentioned £50.00 cash back and you want it. It would help if you still hand the leaflet but it shouldn't stop you. You could also threaten them with the small claims court, but that might be a bit exessive for £50.00, but you could report it to the local paper or even a national paper. Or on the BBC site the there is a money section where you can report such things. Thing is to embarress them, or at least threaten to and if they don't respond, then to do it. Neil.

Below is a rather long letter to the AA/British Gas loan regarding cancellation and rrefund of PPI costs. Was wondering if anyone would be kind enough to comment on it? Also, can I claim for unsolicited telesales calls, as already had asked them twice not to make such calls? Thanks, Neil.

Don't get too comfortable - most banks are all the same - out to make money - did you see Panorama last Sunday? They all want your money to make more money and not just a reasonable profit, whic I'm sure we all recogniose they need to do, but not the unreasonable amounts they make from people already in difficulties.

In the first letter you say: It may seem a small thing and I must admit to still being a bit confused by the difference, the charges are not illegal, but they are unlawful. Neil.

I've not been around for while or would have replied sooner. My wife and I have a joint account with the HSBC, which either of us can sign for. I signed all the letters and put the claim in my name only and it was all successful.

I offer my congradulations as well. Having just been paid a claim by the HSBC I'll now be starting one for the Abbey. Don't think it will be too large an amount, but hey, it all adds up. Thanks for your inspiration. Neil.

I sent mine to the manager of my local branch. Got his name from the telephone customer service line. If you are calling the service line remember youdon't have to use the 0870 number, but use http://www.saynoto0870.co.uk/ to find the geographic number. Neil.

I also missed it and would be grateful for a chance to view it. As already mentioined, I too contacted ITV by email and they replied saying they had no plans for repeating it. Maybe if enough attention is given they will schedule a repeat? Neil.

I sent all mine to my local branch. Neil.

Q1: I'm just a "man in the street" so can I act for/with my friend.? Yes, if she signs a letter giving you authority to act on her behalf. I expect it would need specfic woding and there I'm afraid I can't help you. Q2: Her account is over 25 years old, ie was opened before 1995 when it was the Midland Bank, will this cause any "special problems" to her action? Age of account is no problem. I opened my Midland acount in 1974 and have still been able to succesfully claim for the past 6 years. Going back further is another step. Q3: She is likely to end up homeless as a result of the HSBC making these charges on her account. Is her claim limited to only the recovery of the bank charges. You may be able to claim for other dmamages but that is another ball-game and I don't think that can be helped with here? Unless anyone has any ideas? I would strongly suggest you/she contact the CCCS who can help when people are in serious debt problems. They may want to speak to your friend direct though.

Money in account this morning. Took a bit longer to arrive than expected. Anyway, it's there now. Donation made. Now for a reread of SpiceSkulls pre 6 years thread... Thanks again to all Neil.

The day you first told them you'd take them to court if they didn't pay up. In the letter you write refusing the part payment you should put in there the date you will start the claim, giving them another chance to pay before court action. Neil.

So far as the interest on your charges is concerned most have not bothered to work it out. The hassle is deemed not worth the effort and another thought is that more than covers any cost they have have had for sorting out any OD cost, etc. You can still claim 8% if you get to court. I'm not 100% but I'm sure you can also claim the £10 for card misuse. Neil.

Yep, take a look in the templates thread - http://www.consumeractiongroup.co.uk/forum/showthread.php?t=6986 Neil.

Got a letter from DG Solicitors offering full refund, plus interest, etc last Thursday. On Friday sent my acceptance, after first crossing out the confidentiality agreement, by fax and post. This morning had another letter from DG saying the money should be in my account within the next couple of days. Som they must have responded to the fax as the letter would only have arrived today. So a big thank you to all here for your help, inspiration, motivation, etc. Once money cleared will make donation. Thanks again. Neil.

Have a look in the template library: http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33 Neil.

That letter looks good to me, but then I'm not lawyer Been following your thread. Once my first claim with HSBC is over with will look at going back previous to the 6 years, as you have.

Depending on why you are short of cash you may be able to get help from the courts. They do provide help for people who are in certain financial difficulties. You may, this is only may, be able to get a reduction in your court costs. I think you'll need to phone their help line and discuss it with them. Neil.

Here's the FAQs - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5 where you'll see you can initially only claim for the past 6 years, even though you may have had an account for 8 years. The other 2 years may be able to be sorted later. This is still being looked into. Neil.

My understanding is it would be 40 days from the date they received your letter. So if you sent it on the 20th, they should have received it on the 21st. If you sent it recorded delivery you will have the date it was received as well.., so go 40 days from then. Neil.