Hmmm, this is a toughi isn't it. I can't understand why, if you officially closed your account in 2005 they have still been applying charges throughout 2006? I agree that the charges made are unlawful and as such you should be able to claim them back. However, as they seem to think you owe them more than the claim i think they may have the right to deduct this amount from the total they say you owe them- but i'm not sure. I just don't know unfortunately, perhaps someone higher up on the forum food chain will pitch in and help??? I'll keep having a look at other posts for any info that might help you. keep posting so you get noticed.

Hi, i'm in the same situation - been charged since. I went to my branch and asked for the charges to be refunded, quoting the successful claim i had just made. The bank (manager?) said that they would not refund the further charges and stated 'if you start another claim 'you know wot will happen don't you' meaning he will close my account. been some additional charges since then (used wrong chq book again) so it will be andydug v HSBC (2) This time i'll open a parachute account tho - didn't bother last time!

I was also charged after completing my claim but i added a line in the acceptance letter stating this and that a gesture of goodwill they ought to refund this as well at the same time. got two refunds into account -one for full amount of claim and one for further charges. so its always worth asking.

Do you have any more information on why you have a £5k debit balance? If they wont respond you need to put as much info on your next post as possible for people to be able to respond accurately - eg what was the balance on your statement when the account was closed, was there a reason for the closure, did they give you any more info on the £5k, how much are you claiming etc.

Have they made you an offer of this amount or just credited it to your account? If its the latter its very strange but i think can be resolved.

I agree skintscot, it IS daunting but - stick to the procedure, do everything on time (if possible) and keep posting updates on the forum. I found it helped to make a list of the letters i sent etc along with expected response dates, action dates etc then you can just tick them off and move onto the next one. You'll have no problem in getting your money it is YOURS after all - your just asking for it back - firmly ! Just stick to your guns and only accept the full offer (including interest if it goes to the court stage - it can add hundreds of pounds to your claim). and when you get paid - you= your bank= its Soooooo satisfying Good luck

Yes the other charges were also repaid. We've had a charge since and asked for it to be repaid, they said "No, and you know what'll happen if you keep reclaiming charges don't you" ! Here we go again ! LOL:lol:

Been offline a few weeks so thought i should update my thread: HSBC have now settled my claim in full and credited the money to my account. I didn't need to go to court as they settled before the due date. I also accepted the offer but not the confidentiality clause as shown by Bong on the previous thread (thanks Bong). Results survey completed. Good luck everyone. Andy D.

Been offline a few weeks so thought i ought to update my posts. This claim has now been settled in full by Halifax and credited to my account. It was only a small claim so did not need to go to court. I have completed the results survey to help the statistics - I hope everyone else takes the time to do this also. Credit cards are next ! Andy D.

Thanks Deller, but while this idea is a good one and has been posted on this site many, many times, mistakes are made by people, and we shouldn't be made to pay penalties on them, hence my request for info on the earlier post. this is only a small claim which is why it has not gone to the MCOL stage

Thanks V.much Bong, I just needed to be sure - dont want to screw things up at this late stage !! Letter going off today:D cheers,

Yeah, thats wot i think ab123uk. I might accept the offer but add a line in my letter saying something like: 'I reserve the right to reclaim future charges applied to my account' Dunno though, i'm stuck on the last hurdle !

Offer received ! I've had a letter offering me the full amount of my claim as a gesture of goodwill. however, they have stated in their letter - "Please note that any further charges incurred on your account will stand unless they are a result of a Halifax error". I'm going to accept the offer but i'm not sure about the statement above:-| whats the facts about future charges, i'm worrying that if i sign the form with this statement i will not be able to claim back any future charges? anyone else been here?

The Final Push - can anyone offer a bit of advice? I've had the offer letter offering the full amount but they are saying that i have to accept it as 'strictly confidential' - which i don't really want to do, so i was going to sign the form and cross out the confidentiality bit. Also they've taken some more charges which i will have to ask for in the letter. any one got ideas as how to word my response? also whats the facts on future charges - will they still be applied and will i have to keep claiming them back? for info their letter is below: HSBC are entirely confident that its charges are reasonable, are properly and fully disclosed in its terms and conditions, and that it would successfully resist any challenge in the Courts in relation to them. HSBC is, however, mindful of the management time and irrecoverable legal costs associated with litigation in the small claims regime. For those commercial reasons alone, and without any admission of liability whatsoever, HSBC is prepared to make a payment to you in the sum of £xxx representing the charges applied in full and final settlement of this matter. HSBC does, reasonably, require your confirmation that you will treat this payment as confidential. If you accept this proposal please sign and return the enclosed copy of this letter to me and i will arrange for a refund to be made to you.

Hold the press ! Missus has just rang, bank have made a conditional offer for full amount! Didn't have time to go thru it with the wife so i'm guessing by conditional they will be banging on about a confidentiality clause an all that. If so, i'm thinkin of taking the money and agreeing as i don't want my account closed. Does anyone agree/disagree? Wots the latest state of play with HSBC closing accounts - anyone had problems? PS. Donation almost on its way !!

This is my response, which i'm gonna send this aft - does it look ok?: I write with reference to the above claim. Please find enclosed a revised schedule of charges for each account within the above claim. These further schedules have the interest calculated to up to today’s date and which will continue at a daily rate of £0.27 until the claim is paid. In addition, I have received a further charge on my account xxxxxxxx on 14/11/06 for £50.00 and would appreciate your help in either reversing this charge as a gesture of goodwill or adding this charge to my existing claim as this would no doubt save you further costs on an additional claim. I ought to have posted it yesterday really but couldn't.

Yeah i tried that but for some reason can't get back to the correct figure, so i think i'll send one with the interest calculated to today's date (i'm claiming it up until they pay anyway so hoping this won't cause a problem. As they've also charged me a further £50 i'll mention that in the letter as well. Wonder if anyone else has done this?

cheers lateralus, just to check, are you saying i should send the schedules with interest calculated to today? (rather than the date when i made the claim on MCOL) Soz for being a nerd. I'm having an extension built and when we knocked thru my file 'went missing' in the mess and has only just surfaced. thanks,

sorry will do my own thread.

thanks for the reply. Funny thing, i've done the changing of the time thing and for some reason it doesn't come out with the exact same figure - its a few pence out no matter which date i select. Strange - should i just post the one nearest the figure? Many thanks

just a quick update: 29/9 SAR received by bank 7/11 statements received (9 pages missing) 8/11 rest of statements received. 10/11 PAR sent recorded (received 15/11) 28/11 no response so LBA sent recorded Good luck to everyone getting some cash before Crimbo !!

Hi there, I seem to be in the same boat but need a little help also: I've forgotten to do something ! on 2nd Nov i filed my MCOL claim on 3rd Nov I received measly offer from HSBC (which i intended to accept only as part payment.) 7/11 received Notice of issue from Court saying claim will be deemed served on the 8/11. 10/11 received acknowledgement of service of claim (which is attached to a copy of a response pack stating that HSBC intend to defend all of the claim.) this says "the defendant now has 28 days from the date of service of the claim form to file a defence" No further news as yet. However - i've forgotted to send a letter accepting the offer as part payment and have not sent a further schedule of charges to HSBC to include the interest charges - is it too late to send it now? also i've not kept a copy of the schedules and i can't get the interest figures to add up exactly as on the claim - does it matter. ps they've also charged me a further £50 for going overdrawn (used wrong cheque book!) any info/help would be much appreciated.

Can anyone help me i'm running out of time - please see below.

Help ! I've forgotten to do something ! on 2nd Nov i filed my MCOL claim on 3rd Nov I received measly offer from HSBC (which i intended to accept only as part payment.) 7/11 received Notice of issue from Court saying claim will be deemed served on the 8/11. 10/11 received acknowledgement of service of claim (which is attached to a copy of a response pack stating that HSBC intend to defend all of the claim.) this says "the defendant now has 28 days from the date of service of the claim form to file a defence" No further news as yet. However - i've forgotted to send a letter accepting the offer as part payment and have not sent a further schedule of charges to HSBC to include the interest charges - is it too late to send it now? also i've not kept a copy of the schedules and i can't get the interest figures to add up exactly as on the claim - does it matter. ps they've also charged me a further £50 for going overdrawn (used wrong cheque book!) any help would be much appreciated.

Do i need to send a further letter ? On 2nd Nov i began mcol claim online due to being fobbed off by bank on 7th nov i received letter from HSBC with crappy offer on 8th nov recevied Notice of issue from court "deemed to be served on the 8th" do i need to send a letter back accepting the offer in part payment/installment (i've got to send the schedule of charges again anyway) thanks guys