Merry Christmas, everyone.
I’m new here, this is my first post.
I need some advice with the first stage in the whole process.
I recently had to visit my bank, HSBC, in order to cancel my loan insurance that I had taken out, I never really felt comfortable with the insurance but the bank employee really push that I should take one out, I trusted her, what a mistake!
Anyway, I also asked her to send me 6 years of bank statements which include every charge or fee that I had been charged.
I didn’t leave until I felt that she understood what I was asking for as she seemed to hurry up my request, I spent several minutes going over the request so that it was clear, something I should not have to go through really, a request is an request, she should understand it the first time.
I returned to my branch a few days later, she said it was in the post.
I received it, only to discover that it was not the 6 years statements but 6 years Tax Certificate, just showing what interest has been credited to my account over that period!
It seems that they are trying not to give me the information I requested?
I went to my bank but the same lady wasn’t there, I spoke to some else, I think the bank manager, who tried to appear nice and friendly but kind of covered up the whole issue, I just accepted his explanation and left, as I was expecting this kind of evasion from them.
So now I will send the Data Protection Letter, (I just thought it might be quicker to request it since I was at my branch that day).
What I would like to know is:-
How should I send the £10 fee, is it normally by cheque? Only I don’t have a cheque book? Is there another way?
Should I list both my Current Account and Credit Card Account details on the same letter, or send a separate letter for each?
Does the bank usually send an acknowledgement of my request letter before sending the data or do they (hopefully) just send the data?
Sorry if these seem like obvious questions, I just want to make absolutely sure before going ahead with things, I aim to claim back all of my money from these thieving b…..!, go to court if I have to, so I don’t want to make any mistakes.
Thank you for your help.