wasn't sure who to message for edit but i've recieved and offer minus interest on mine and for other reasons have accepted http://www.consumeractiongroup.co.uk/forum/hsbc-bank/53185-flapper-hsbc.html theres another £2k back off the buggers could someone mark it paid/settled or whatever it was if possible ?? cheers

well time limit has just passed for my date to start court claims and WWHOA !!! letter drops on doorstep this morning with offer of refund in full minus interest that if accepted will be paid within 7 days part of me is saying go for the whole lot but as i'm currently laid up in hospital with tests for a brain tumour me and the wife have decided for the sake of £300 or so that i'm taking it so she has some cash in hand while im off work thank heaven for small mercies at last thanks for the help guys - mines a result albeit a partial one but for me its perfect timing **£1984.00 offer recieved within 4 weeks and accepted without having to start court proceedings ** could admin edit my title ??

*update* having sent my initial request letter (registered) in 16 days ago to both the standard complaints route and a copy hand delivered to my bank manager (signed for) (same bank we hold 4 business accounts with) i have heard NOWT yet - booooooooooooo looks like a repeat copy is to be sent - ill keep ya posted i did however get my para account open now though thanks to nettyg so looks like at least ill have a home for the cash to go into :) but on the flip side my CCJ from DVLA for £150 has been removed as after a lot of complaining a local judge has reviewed the judgement and i have been given a notice of allocation to the small claims track (hearing) looks like i FINALLY get my say and get my evidence seen as it was supposed to be look out HSBC im on a roll

applied to NatWest for the parachute account and got my signature forms through today too - cheers again for that nettyg

no probs my man - i simply wanted to point out an easier way to gain the basics of the statement info needed a quicker way i am indeed following the guide as we all should really and have edited the above to point out i am note to others i have already sent my initial letter and indeed recieved my statements by post and after adding my charges up on the spreadsheet i have sent them with the request letter to the proper channels as per the excellent guide the above is simply a quick way of gaining the info to start your quest

posted this in my ongoing thread but thought it may be useful seperately (sorry if repeat post) but ripped from an online message i had today may save having to ask for statemenst by letter and the delay it can cause? and it seems they are happy to send them to you if you ask nicely anyway are they getting wise to the cause? Please note that you can view charges applied to your account and other transactions via historic statements option on the Personal Internet Banking (PIB). I confirm that you can view all transactions on the last statement plus any made since, with the most recent first, up to 90. Currently you can view historic statements which includes charges up to six years old. You can do so by the following the instructions below: 1. From 'My Accounts', select the account for which you wish to view your statement. 2. Next, click on the 'My Statements' icon located on the left-hand navigation panel. 3. Select the statement you wish to view. The screen will display the first 100 transactions and charges. You can scroll the list to view more transactions from the selected statement. You can sort the transactions from My Accounts in the following way: o Date (ascending/descending) o Type (alphabetical) o Description (alphabetical) o Amount paid in/out (descending) You can click on the twistie next to the required column heading. The running balance will not show on any sort option other than date. However, should you require copy statements, kindly confirm via this e-messaging system and I will order the statements for you accordingly. Meanwhile, I trust this clarifies matters. Yours sincerely ***** ****** Manager Customer Credit Services

after posting my letter of request the most efficent way i decided to copy it across to the online system to see what reply i could get ? I got a reply today in the messages section Dear Mr ***** Thank you for your e-message dated 1 February 2007. Whilst I do appreciate your comments regarding this matter, please be advised that should you intend to make a claim for any refund, you are required to specify your claims including the amount, dates, description of charges (as appears on the statement) and total claim of the charges that have been applied to your account as the bank cannot quantify or prepare your claims. Please note that you can view charges applied to your account and other transactions via historic statements option on the Personal Internet Banking (PIB). I confirm that you can view all transactions on the last statement plus any made since, with the most recent first, up to 90. Currently you can view historic statements which includes charges up to six years old. You can do so by the following the instructions below: 1. From 'My Accounts', select the account for which you wish to view your statement. 2. Next, click on the 'My Statements' icon located on the left-hand navigation panel. 3. Select the statement you wish to view. The screen will display the first 100 transactions and charges. You can scroll the list to view more transactions from the selected statement. You can sort the transactions from My Accounts in the following way: o Date (ascending/descending) o Type (alphabetical) o Description (alphabetical) o Amount paid in/out (descending) You can click on the twistie next to the required column heading. The running balance will not show on any sort option other than date. However, should you require copy statements, kindly confirm via this e-messaging system and I will order the statements for you accordingly. Meanwhile, I trust this clarifies matters. Yours sincerely ***** ****** Manager Customer Credit Services anyone online banking can save post/delay time looking at the statements themselves online :smile:now being keen as we all are i had already been through them and applied all the info by letter to my local branch as per the guide - but was interesting to see what reply the message system would cultivate

found a possible quicker way for online bankers managed to somehow convince the online system to show me every statement since feb 2001 albeit page by page and as im an insomniac i've just printed/noted all of them to a spreadsheet and even left a nice online message requesting my £2300 back (i used an edited form of the Prelim letter ) step by step guide here hopefully will save time on the first request letter and be a bit more prominent on their sooper system - time will tell PS- i know a halifax user (gave me the online idea) had his sorted within 2 weeks? :o fingers crossed im off to bed its 2 am and dreaming of step 3

cheers nettyG i've added a green spot for ya :grin: ty as for all above also - much appreciated letters printed and in the post tomorrow - just note it seems that natwest account application is only available in certain hours - but sod it - letters going in anyway hope to be adding to the success claims thread one day 8)

***cheers for the link lateralus*** still no parachute account as refusal on grounds of credit report failure turns out my credit check reveals a 7yr old county court judgement that i know nothing about and is listed for an address i have never lived at ?? but seems theres a few more listed lower down as linked addresses that tie it all in local courts have deemed the information as an error on their behalf ? and have passed it for a review by a judge anyone else having a bad day ??? all i can say is - look out hsbc i'm just on the mood now to take on any establishment - looks like my credit card has been charged with an insurance from day one i have never asked for and always refused by phone every week for 3 months @ the start of owning and my other card has charged me twice for making a payment 3 hours late ?? anyone else having a bad day :evil::evil:

just about to send off for my statements and in 2 minds is it worthwhile getting legal advise ? as some of this stuff is way over my head in all honesty i've been a customer same bank/account for nearly 21 years do i safe claim? for 6 years only to save the hassle even 6 years charges from paperwork i currently have filed is estimated 10k ?

cheers for that - i've not sent off for them yet due to waiting to sort a credit check error so i can get a back up account (i hear they ask you to leave after) anyone know if it does go further back and/or its over 5k what teh best thing is to do ? looking at my most recent offendign statements this could be over 10k even if it is 6yrs limit *edit* ahh i get ya - im off to read up - thanks

Cahoot (one of them) just told me by phone i'd have to speak to Experian ? going round in circles i can see how this is gonna be a long windy road i only want a back up account open to claim my charges of another one mind you off top of my head i reckon its worth it

having been declined for a bank account due to credit points/check i have applied for a copy off Experian UK few hiccups on it that i can sort out and i know about but nearly all the reported link addresses involved have nothing to do with me whatsoever? one of them keeps being mentioned when i get £1000 debt letter through my door thats not even in my correct name but when i call to explain and prove its not me i get the usual we'll remove you from our system and 6 mnths later i get the same letter again one thing i have noticed is they are all london addresses and seem to stem from the oldest date from First National Tricity Ltd who are local to these addresses can i contact the source companies for removal ? or is there a specific place or avenue to follow any ideas?

Hi all - my first post so bear with me just about to embark on a hsbc claim and decided to have a back up bank account just in case they asked me to close and been refused to what i now find out is a load of errors on my credit reference (ill be searching for that later) just wanted to ask a couple of questions 1 - i see 6 years mentioned a lot is that the limit ? i have been with hsbc now for 21 years and they have screwed me every month 2 - i am currently looking at the list of claimable charges thats been posted prior to my request (ty for the letter btw) just wondered if there's any pitfalls i need to be aware of first ?? or do i simply list all the charges ? PS- i'm back in the black now and confess to being no angel in the past but my account for 10yrs or more has averaged charges of at least £150 a month so gotta be worth a look ya reckon?