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 03/06/19. 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 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

Sorry guys.... need to call on peoples expertise yet again! I've signed and returned the offer letter they sent me.... there was nothing in the letter about confidentiality, so not concerned about that. but there was one line that does now...... '.......HSBC is prepared to make a payment to in the sum of £1650 representing the charges in full and final settlement of this matter.' Does this mean i've given up the right to make claims on any future charges? (have 2 months worth already since i first pursued this claim).... as i clearly stated in the prelim letter it was in relation to the last 6 years. Also does it mean i won't be able to pursue the claims on my other accounts now? don't know if anyone can help, but would really appreciate some legal guidance! thanks!

Was expecting to have to send out a LBA letter today, but had a reply arrive in the post yesterday. They've offered £1650 which is not far short of what i asked for so have replied the acceptance today!....... With all the hype that's surrounded all this recently, I thought it was better to agree than try and get the other couple of hundred for the full sum. Still have claims (not as large sums) on 2 other accounts with them, so will pursue them now! A big thankyou to everyone for their support and help!!

Thanks for that.. think the reason they were trying to get hold of me because i had a look at my balance and they kindly chucked 7 card misuse's on my account.... for once i weren't so bothered though as i know i will get it back at some point... will just put another claim in! Also happens i got a letter through from natwest yesterday saying my current account with them had been approved so gonna be well happy not to have dealings with HSBC anymore! I've got 2 more accounts (former) with hsbc that have got charges on so i'll be claiming on them as soon as this claim is finished... just wanted to see how this one went first!

i've put in a claim for £1945..... my overdraft is set at 1k... but i've gone over that by a couple of hundred, like i usually manage to each month!....... parachute account?.... do mean a back up in case they close this one?.... they've not rung me back yet though.

Help!... My branch manager left me a message yesterday saying she has arranged an appointment and wants to see me... She only left her name, which i recognised and didn't even say she was from HSBC... also today the HSBC call centre rang me at work today... was busy so couldn't talk to them...... Shall i add harrassment to my claim? haha..... should i ring back?... really don't want to talk to them as i'm well over my overdraft limit again... and my branch manager sent me a ****ty letter last month about it. so it could be a ploy to get me in to talk about that?

nicki.... I had a letter with exactly the same quote it came from an ian shepherd in bristol, despite sending my letter to my local branch.... so reckon it's just a standard letter they send off..... Hsbc have probably set up a templates library the same as on here! haha

Thanx guys.... opened a step account online today and they said it has been agreed in principle.... just waiting for the paperwork.... soon as i get my charges back, if they don't close my account anyway i'll still tell em where they can stick it... I rang MBNa, my credit card today and one of the recorded options was to do with speaking to someone about the latest OFT report, guess i should chose the option just to be nosey!..... Also heard they the banks are going to have to change their policy's.... If this gets put in place would this mean past charges would then get disregarded?.... I may be talking complete twaddle, so just ignore me if i am! sent of prelim letter recorded yesterday... so clock is ticking!

Sorry to hijac your thread but i was haveing the same confusion over this interest bit.... so many thanks for your help tinkerbelle!.... as i have an arranged overdraft which limits have changed too, it would make it nearly impossible to come up with realistic figure! but at least i can get my letter in the post now

Has anyone had problems opening another account?... Me and HSBC ain't exactly on best terms, so pretty sure they will close my account once all this kicks off... my credit rateing is pretty dire, have tried alliance and leicester, but they turned me down.... any easier ones to get out there that would take me wages and do direct debits? also have an account with first direct... am guessing they would close this too as it's part of hsbc?

thanks maverick... will just stick to the charges!

HELP! Just recalculated my total in charges to now just shy of 2k!.... so just filling in the prelim approach letter... only thing i can't work out is, i thought you weren't to ask for the 8% back on the charges until you put in a court claim?..... whereas in the template letter it states 'plus £XXX which you have charged me in overdraft interest for the sum which you have taken.' so sorry to sound so confused!

haha nice one daniel... cheers for ya help guys....

I've read through the frequently asked questions many times and understand about the charges for going over my overdraft limit and reclaimed DD... but couldn't find anything that said anything about card misuse charge?.... Sorry to sound thick, I simply couldn't understand whether it was recoverable... I don't want to try and claim something i might not be entititled to as it may stuff up my claim..... I've had 8 of these charges chucked on my account in the past 2 days so HSBC are winding me up even more than usual!!