I dont think they are stupid, I would say there are hoping that you didnt notice.

No, you can make another claim but from what I have read, you should have a parachute account incase HSBC use there rights to call back any money you owe them and close your acount.

Are you in a position to pay back any loans/overdrafts if you have any.

if you are then go for it

SETLLED

Firstly I would like to thank everyone here in re-couping my charges and secondly I think I am the first person to do so completley through email, I didnt post one letter.

Sadly it looks like I will be the last, in the footer of every email I put

"Proud member of the CAG. http://www.consumeractiongroup.co.uk"

I didnt even take them to court as I didnt have the funds available to start my claim until about 2 weeks after the deadline on my LBA, but I recieved a letter offering me a full and final settlement but also on the letter it asked that I inform the CGA that HSBC do not class emails as an appropriate means of communication in matters like these.

Also after re-calculating my wifes charges I realised that the full amount was actually £470.

But to HSBC's credit I received there letter wednesday morning, signed it and posted it and the funds were in my account by close of buissness on friday.

Now its time for me to start the ball rolling with the claim on my account.

I was doing my wifes account as a tester, as they owe me alot more.

After my second claim is complete I will be donating £250.

I have 3 friends who are also owed alot of money and have told them I will handle there claims for them is they each donate £250.

Thanks everyone

Mrs Flood

can anyone shed any light on what the address in Jordans post is for?

is it he head office or.... ?

 

and should i address my letter there too?

 

thanks

The Adress to send your prelim and LBA to is

Senior Service Quality Officer

Service Quality Team

Arlington Buisness Centre

Millshaw Park Lane

Leeds

LS11 0PP

I think in my LBA I will tell him that he has the same access to my account history that I have and that all charges on the account can clearly be seen from that.

im assuming hsbc use the same system most companys use.

firstname.lastname@hsbc.com

or you can do what I did and email it to customerrelations@hsbc.com they will email you a reciept and i got a letter back within 4 days

Well, where do I start?

I have been reading the forums for the past week or so and have picked up some very helpful information along the way.

Hsbc owe me over £2000 between my accounts but I decided I would do a "test" run on my wifes account. They owe her £235 so I thought it would be best to do her account first to make sure I got everything 100% right when the time comes to claiming mine back.

I have internet banking so I sat down and added up all the charges.

I emailed the Preliminary letter to customerrelations@hsbc.co.uk on 23/06/06 and gave them 7 days to reply.

Today this is the letter I recieved

27th June 2006

Ref: blah blah blah

Dear Mrs "Flood"

Thank you for your letter dated 23 June 2006 requesting a refund of all your bank charges of £235 going back six years.

In order that we can consider your request please provide a full itemised breakdown of these charges to include date, description of the charge and the ammount applied. Please also include any proposed new charges that you will have recieved a pre notification advice for.

Thank you again for taking the time to write.

Yours sincerely

Mr Colin Langdale

Senior Service Quality Officer

Now im just wondering what to send to him. Do I do as he asks or do I go ahead and send the LBA after his 7 days are up?

I think I will email it to him directly, or again send it to the customerrelations email addy and just put FAO Mr Coling Langdale, and they email you a reciept anyway.

Any tips on what to do next will be very helpfull.

Also I have 3 friends who have sat downa and worked out that they have been charged thousands by hsbc and loyds, so I will be sending them to the forum shortly.

Gaz