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

Hi Guys I haven't been on the forum for ages, I won my claim about a year ago. My question is I have received a few small charges since and wanted to know if I can claim again. I know there will be people out there who are thinking hasn't she learnt a lesson the first time. As advised by the forum I crossed out the section in full and final settlement of my claim against HSBC. Had the OFT made their announcement instead of delaying I would have left it. Wondered if writing to them and asking them to explain there charges might be an idea. Any advice would be great

Hi Clare1981- I'm wondering if I should claim again. Successful claim made about a year ago from HSBC. Since then several charges made amounting to £275.00. I understand that a ruling from FSA is due April I think, which is likely to recommend maximum of £12 same as with credit cards. I'm not sure if this will affect claims in any way

After reading Barracad v Capital One **WON ** thread earlier today re Capital One and Payment Protection Insurance I have spoken to Cap 1. Very nice guy who keep me on hold for quite a long time, don't think he was too sure what to say. The outcome is they are not sure who this affects yet and letters will be sent but he didn't know when this would be. Will wait a couple of weeks and then chase again unless I read anything else on the forum.

Quick question -would they still have to refund ppi if it has since been cancelled ?

Thanks Clyts-Reply sent and online claim completed today

Donation made -BIG THANK YOU FOR ALL YOUR HELP, SUPPORT AND ADVISE.

Hi Guys Received my FULL refund and have now contacted the courts to advise matter settled. Anybody reading this and getting a little worried keep going. The bank refunded me over 3 and half grand saying it was for commercial reasons !!!. I can't believe that firstly it would cost the bank this much to defend in court and secondly if they were able to defend I sure they would to stop anyone else trying the same thing. KEEP GOING IT IS WORTH IT.

Hi-Received a reply from Cap 1 today offering the difference between the £20 and what they think is fair according to the OFT of £12. Having already sent the LBA and the time limit is up, should I send a simple letter saying thank you I will accept this and will continue with the online claim for the rest, and at the same time file the online claim. Or send the letter and give them a period of time to reply before filling in the online claim.

***RESULT ***- DG Solicitors have replied and offered full amount. I will cross out the strictly confidential and return accepting it. But do I contact the courts to stop the online claim before receiving the money or do I wait until receipt of the money. Also how do I stop the online claim ?. Can someone change the title of this thread please. I know myself it does you the power good to read threads were people have won. Cheers

Thank you Maverik, will amend and post tomorrow

Thinking of sending this to Solicitors any comments or suggestions ? Dear Sir/Madam Thank you for your offer of £3109.00 as full and final settlement of my claim for £3557.93 I regret to say your offer is not satisfactory. As shown in the breakdown of my charges, interest is added as allowed under section 69 of the County courts Act at a rate of 8% a year amounting to £568.93. Furthermore, unless this matter is resolved to my satisfaction before the 26th July 2006, I will proceed with my claim. I must apologize, after just reading an update I did not send my breakdown of charges with my letters to bank. But the solicitors have them after there request. goes to show that it makes sense to thoroughly read the forum before diving in.

Just thought of something else. My claim with HSBC was from April 2000 -April 2006. They have since charged me, can I claim these charges back under a separate claim

Great news after posting a breakdown of my charges by special delivery on 3rd July, letter received today from banks solicitors offering full refund of charges plus court costs, but not interest. Should I accept this but advise I will continue with the online claim to recover the interest (£568.93).

Thank you for your replies. Letter typed and will be posted special delivery tomorrow.

Thank you for your replies. I will make some inquires and let you know what happens

I wrote to Capital One on the 20/06/06 requesting a refund of the charges following the DPA request. Today was the deadline for a reply which I received. However the cheeky people wrote advising it would take a little while to look into our situation and come back with a detailed response and they would respond within four weeks from the date of their letter. If for some reason their investigations take longer than four weeks they would contact us !!! Can I send the LBA with an added bit along the lines of I feel a large organisation such as them should be able to deal with this within the 14 days given. They also enclosed a leaflet called Please tell us when we make a mistake .........because no-body's perfect.

I recently purchased a new TV from Comet. I thought I was being really clever by play Currys off against Comet and got £50 off the price of the TV. We brought the TV home the same day to avoid delivery charge. But several days later while looking on the web my husband found the same TV on the Comet site at a cheaper price than we had paid. Can we do anything about getting a refund on the difference? , or have I just learnt a lesson the hard why.

Following on from my online claim HSBC acknowleged and brought themselves 28 days. Today I received notice from the courts re the acknowledgement, I also received a letter from DG Solicitors requesting a breakdown of the amount I am claiming to enable there clients to consider my claim. Should I send a copy of the spread sheet which adds the interest and mention the £120 court fee. Is this normal your have I missed a step along the line.

Sorry I don't know if I am posting this in the right place. I filled in an online claim 22/06/2006. Claim Number 6QZ40806, Amount £2989.00. I'm a little nervous. I also have a couple of people in work who are too nervous to start claiming against their own banks until they see how I get on.

Please ignore my last post. My question has already been answered. Sorry it's I bit late and I've been looking at too many figures.

About to send my letter claiming my charges. Quick question, my statments show total charges XXX and debit interest XXX. Can I claim the interest as well. I have spoken to HSBC'c Indian call centre and was told the debit interest is for using my agreed overdraft?

Sent DPA letter end of March. Received a reply today from HSBC (Ian Shepherd)confirming receipt of my letter and advising all statements would arrive shortly. They also credited the £10 cash I had sent to my account as quote "we are happy to waive any fees for the production of this information." We will see if they are as happy when I request approx £2500.00 back.

I'm eagerly awaiting reply to my DPA request (sent 24/03/06). All my charges are for going over my overdraft. My statements show Total Charges £xx and Debit Interset £xx. Can I claim both of these amounts for the 6 years. Unsure as the bank has clearly charged me excessively, but are surley entilted to make some charge for each occasion the account went over the agreed limit. What would it cost the bank each month as no letters sent just monthly statements. MOD NOTE: THREADS MERGED TO MAKE IT EASIER FOR PEOPLE TO FOLLOW PROGRESS

Hi posted a thread about a week and a half ago after sending DPA letter. Mine and lots of others have vanished!