Dani v HSBC

[Dani]

I am sending off my first letter to HSBC today, the request for repayment of charges letter.

 

I have enclosed the Schedule of Charges as requested but I have put a charge on there that is due to come out on the 3rd July. Should I not have put that on there until it has actually been taken, or will they not bring this up??

 

Thanks for the help on this website, I'd be lost without it!

[coutts99]

I am sending off my first letter to HSBC today, the request for repayment of charges letter.

 

I have enclosed the Schedule of Charges as requested but I have put a charge on there that is due to come out on the 3rd July. Should I not have put that on there until it has actually been taken, or will they not bring this up??

 

Thanks for the help on this website, I'd be lost without it!

 

I sent my letter yesterday and included a charge that is due to come out on the 30th.

[Dani]

Right ok thank you, I'll keep it on there then. Hopefully I'm now on my way to get some of my money back!!

[maverik1979]

keep us informed, and anything you're not sure of, just ask (provided its not very obvious in the faq section)

[Dani]

Quite surprised - I sent off my data protection letter to HSBC before I found I could download them off their website.

 

Anyway, I only sent it the week before last, and I've had all my statements back already. And I forgot to enclose a cheque to cover the costs of them as well!!

 

I think HSBC are playing nice for some reason!!

[maverik1979]

Quite surprised - I sent off my data protection letter to HSBC before I found I could download them off their website.

 

Anyway, I only sent it the week before last, and I've had all my statements back already. And I forgot to enclose a cheque to cover the costs of them as well!!

 

I think HSBC are playing nice for some reason!!

 

luring you into a false sense of security more like

[Dani]

What a surprise - no response to letter.

 

Just about to send the LBA now but I've noticed I've been charged an extra £40 this month and £125 to come out on the 2nd August. Can I add these to the schedule of claim now? And do I need to change the LBA letter to state that the schedule of claim will have changed since the last one I sent?

 

Thank you!

[Michael Browne]

Yes include them and send an amended schedule of charges

[Dani]

Well, had a letter this morning from HSBC. Unfortunately nothing to do with what I want to claim back.

 

They say they have cancelled one of my direct debit's and I should find somewhere else to pay it from!! I can't believe they've done that!!

 

And they've also charged me another £30 on Tuesday for a reversal of a dd, but there is no dd that has been reversed!!!

 

Now they are really starting to annoy me! And I'm sick of them phoning me 20 times a day.

[Dani]

I've secure messaged HSBC about the dd they've supposedly reversed and they've answered that it was in fact a returned dd charge for my mobile.

 

But shouldn't the reversal also be showing on my statement? All that shows is the charge but last time this happened it had everything that had happened (the payment taken, the reversal and then the charges!)

 

They can't seem to understand that I'm bothered that they're not showing everything on my statement. They seem to think I want to take their word for it!! Not likely!!!

[rachnaid]

Hi Dani,

 

You are right. If they have charged you for reversing a DD then that very DD has to be shown or should be shown on your statement also. It should show the DD as eing paid....then being recalled....then the OH WE ARE CHARGING YOU 30 QUID!!!!

Keep on them sweetie!!! Keep fighting the good fight

[Dani]

Thanks - that's what I thought.

 

I've messaged them again as they ignored my reply to them on Friday.

 

I am so glad I've swapped banks now, but I can't help thinking this is one of the reason's they are doing this!

[Dani]

Well still no resolvement in this matter - they asked if I wanted a letter sending out confirming the direct debit was reissued again! No, I don't, I want it to show on my statement!!!! Don't know what is so hard to understand about that.

 

They've now also taken a standing order payment out of the account even though I stopped it weeks ago and asked them to cancel it! They're really beginning to drive me insane!!

 

Oh well, one day till I can file my claim online! Couldn't come any sooner for my liking!!8-)

[Dani]

I'm feeling a bit thick right now - I'm just filing my claim online and I'm stuck on the particulars of claim bit.

 

I've been looking for posts where people have done this bit, but obviously now that I need to find it, I can't!

 

Do I just copy the paragraphs that are in the bank templates forum?

 

Thank you!

[Michael Browne]

Example POC, may need tweaking to fit:

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount claimed x 0.00022).

[Dani]

Thank you very much Michael

[Dani]

Sorry another thing - I have no idea when I opened my account - it was when I was at school sometime. Is it ok to tweak that bit out completely??

[Michael Browne]

Year? if not tweak out.

[Dani]

No, I haven't got a clue - I just know it was over 10 years but no idea which year. Thanks for the help.

 

I've now submitted my claim so back to the waiting game again!

[sar011279]

If they're still hasseling you by phone, write to them and ask them to remove your number. It worked for me and phone calls stopped.

[Dani]

They seem to have stopped for now - but if they start again I'll try that.

 

I'm a bit confused now - I've logged into my moneyclaim account to see if HSBC have acknowledged it, but come up with this:

 

The defendant has not filed an admission or defence to my claim

(Judgment by Default)

You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment.

The defendant admits that all the money is owed

(Judgment by Admission)

If the defendant has given a new address on the form of admission to which correspondence should be sent, update the defendant's details within the following Judgment request.

 

 

 

I think it's asking me to choose one option - am I missing something here? Is this normal? I only filed the claim yesterday.

[sar011279]

You've clicked the 'Judgement-start' button, this is only if they don't acknowledge your claim. Just cancel out of it. It should say issued and then acknowledged within the next few days (if they do!).

[Dani]

Ah yes, I see. I was thinking it didn't matter where you clicked on it, it would take you into the same screen!

 

Thank you very much.

 

[Dani]

Just received a letter from HSBC dated 27 July - thanking me for my letter of 12 July - like things haven't moved on since then.

 

Anyway, they've offered me £1,500. Of course, I'm going to reply to say I'll accept as partial payment and keep claiming for the rest, which includes the added on charges of recently and the court fee.

 

8-)

[Dani]

Just a quickie - shall i do a completely new letter to HSBC accepting in partial payment or amend the signed form they've sent me??