This topic was closed on 09 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 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

This topic was closed on 03/05/19. 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

This topic was closed on 03/05/19. 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

This topic was closed on 03/05/19. 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 there, posted a while back, was starting to claim for about £950-ish (my estimate), and asked HSBC to confirm the amount taken over the last 6 years under Data Protection, etc. Basically, I followed the fairly standard route as set here. However, 2 things came up that may be of use to you all now I'm finished. One of the queries I had was to ask where abouts it said in the T & C's I signed in 1994 (when I opened my HSBC account) that they have the right to impose the charges as they are at present (basically, I was trying to argue that the amounts I paid now bear no relation to those I actually "signed" up to in '94). In the final letter I got from the bank, after several request, they admitted they no longer had a copy of my original T & C's. I hope this nugget may prove useful to someone. Secondly, they offered me £450 in "full, and final offer" as a settlement, basically to make me go away. I had been very polite, but in regular correspondence, I had made it very obvious I would take it to court. I took the £450, in the end, and signed away to say I "would consider the matter closed". I did fully intend to pursue them, but I have had some very difficult personal circumstances, and the 450 was very necessary at the time. I do regret not seeing this to completion, but given things that have happened to me, I still consider it a real victory. That may be of use, because I don't recall reading about HSBC offering settlements before, unlike other banks. I would just like to thank you all here so much for all your help, I REALLY appreciate it, and hope to be able to make a contribution to the book token fund soon. I'm really loving the ever more regular media reports about charges, I suspect its going to crash down soon in a very big way. I'm really sorry I couldn't make a full claim, or pursue for the full amount and help the Bank Action Group cause further and better, but if there's anything you like to know about the correspondence I had, I'd be willing to provide it. Again, THANK YOU ALL SO MUCH. Chris

According to a letter i had today, chasing a refund for a charge prior to me discovering the joys of the Bank Action Group, HSBC claim that the £25 per day to a maximum of £125 is a "review" fee. i.e a fee for reviewing your account if it goes overdrawn. this is in addition to any charge levied for refusing a payment etc. Basically, I went overdrawn from a cashpoint on a friday, and got paid on a monday, so wa charged 50 squid fro being overdrawn for 2 days. I think I shall write back asking for the name of the employee who conducted this review. I do hope they write back and say that it was an automated process that levied the charges, sorry, "fees"....

Oh good. Of all institutions, none make my blood boil more than them. I shall be writing a letter over the weekend....

Oh good. Of all institutions, none make my blood boil more than them. I shall be writing a letter over the weekend....

Doe sanyone know if the SLC is party to this? As I have certainly been charged for non-payments and letters sent etc... To cut a long story short, I was not at fault with the SLC, though I was with HSBC, who I am claiming against

Doe sanyone know if the SLC is party to this? As I have certainly been charged for non-payments and letters sent etc... To cut a long story short, I was not at fault with the SLC, though I was with HSBC, who I am claiming against

Hmm, I see. Well, HSBC have a deadline of wednesday to reply (in accordance with their OWN rules of dealing with complaints in 5 working days), and friday to have the money in my account. You never know, they may actually come good... Sorry, was overdosing on optimism there! I take it no-one has had full discloure under the DPA outlining the costs incurred by HSBC ? Also, could the fact they've changed their charges 4 times in quick succesion be of any use? IE they haven't reaped the money they thought, and re-jigged the system? Of course, they could argue they changed it to benefit the consumer, couldn't they?

Hmm, I see. Well, HSBC have a deadline of wednesday to reply (in accordance with their OWN rules of dealing with complaints in 5 working days), and friday to have the money in my account. You never know, they may actually come good... Sorry, was overdosing on optimism there! I take it no-one has had full discloure under the DPA outlining the costs incurred by HSBC ? Also, could the fact they've changed their charges 4 times in quick succesion be of any use? IE they haven't reaped the money they thought, and re-jigged the system? Of course, they could argue they changed it to benefit the consumer, couldn't they?

I guess my point on the costs is that effectively, by charging the accopunt user for going overdrawn, they are invoicing me for their costs, only not actually providing an invoice with a cost breakdown, VAT, etc? I have sent an email to HSBC outlining this, using the letter templates and case precedents etc, so hope to hear back within 7 days. If not, I'll pursue under the Data Protection Act, then go to court by the end of April. I'm financially OK now, so I can afford to be patient. I notice their are two claims listed in the litigation forum. If/when they are concluded, can they be used as examples of precedent if I wished to make a claim? Again, many thanks for any light that can be shed.

I guess my point on the costs is that effectively, by charging the accopunt user for going overdrawn, they are invoicing me for their costs, only not actually providing an invoice with a cost breakdown, VAT, etc? I have sent an email to HSBC outlining this, using the letter templates and case precedents etc, so hope to hear back within 7 days. If not, I'll pursue under the Data Protection Act, then go to court by the end of April. I'm financially OK now, so I can afford to be patient. I notice their are two claims listed in the litigation forum. If/when they are concluded, can they be used as examples of precedent if I wished to make a claim? Again, many thanks for any light that can be shed.