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    • Thank you BankFodder. I will do as you suggest to get everything in writing first and will construct the letter of claim over the weekend. Is it best to use the format for the letter of claim as the one on this website? Lastly, did I read the judgement correctly for the Farooq judgement as its not quite clear to me which act I am covered best by?
    • A letter of claim can't be served by email as per CPR 6.3 unless you've specifically told them. Also can't give you 7 days to pay, they've got to give at least 14 days. They know this, they're just hoping you wet yourself and cough up. This won't be going anywhere. IGNORE.
    • Good Morning, I received a speeding ticket last December, I had requested further information from the ticket office which they provided, I also sent back the form confirming i was the diver at the time, however, i had overlooked the signature at the bottom of the page, nobody from the ticket office got back in touch to mention this and i was trying to book a course with no luck, I got in touch with them and sent them a screenshot showing them I was unable to book the course, they came came back to me and said we have no documents to say you were the driver (they did they just failed to mention I never signed it) they re sent the form and it was over the 120 days, i had mentioned to them previously that the timeframe was coming up and they would need to extend this. They are now saying they have complied legally and i need to accept the 3 points, I am trying to plead my case and I am tempted to let this go to court and provide the evidence of my constant communication on the matter. has anyone got any experience with this? TIA.
    • Thank you. I'm looking into it at the moment.  Straight away it says last sold in 2007. Thank you every one for all your help. It's much appreciated. 
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Clozzer vs HSBC


Clozzer
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I have now completed my first letter approaching HSBC for a refund.

 

Using the online statement facility I ahve gone throught he past 6 years and have only identified £210 in charges (HSBC have entered these on my statement as TOTAL CHARGES) from memory I am aware that these were incurred by my going over my set over draft limit. They have a nasty habit of deducting these charges from my account at the end of the month which generally send me back over my OD limit...GITS!

 

I am sure I remember getting letters telling me about other chargers in the region of £10 every so often, but can not see what they are on my statements so will ahve to miss those out.

 

Anyway, have completed my speadsheet of charges and shall be posting Recorded delivery tomorrow.

 

I plan to send to my Branch Manager (name unknown) unless anyone else has a better suggestion?

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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In addition I used to have an HSBC credit card which I got rid of a year ago. I still know the credit card number. Will it be possible for me to find out from HSBC what, if any, charges I incurred with that account?

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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address sounds fine, but i'm a bit concerned by the fact that you cant find any other charges on your statements, it will prob show up as dr- card misuse fee, or

dr- unpaid item for instance,

 

make sure you get your total right first time as it makes things much easier, regarding the c/c just send off a dpa request for the information on your c/c statements, just the usual dpa letter will do

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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No one have any advice on my credit card query?

 

I ahve not managed to find a Credit card specific section to this website, please direct me if there is one?

 

*Edit* question was answered at the same time I posted this! Many thanks!*

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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address sounds fine, but i'm a bit concerned by the fact that you cant find any other charges on your statements, it will prob show up as dr- card misuse fee, or

dr- unpaid item for instance,

 

make sure you get your total right first time as it makes things much easier, regarding the c/c jsut send off a Data Protection Act request for the information on your c/c statements, jsut the usual Data Protection Act letter will do

 

Cheers!

 

I will trawl back through the online statements tomorrow but the only charges I found were:

 

TOTAL CHARGES (went over my OD limit)

CHARGE (£1 for use of a cash machine)

and interest payments. I KNOW i paid more, I just can't pin it down. Perhaps I am just very very mistaken!

 

I agree I should try and get it right first time.

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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btw you cant claim the cash machine charge back, as this was a service and not a penalty

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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btw you cant claim the cash machine charge back, as this was a service and not a penalty

 

I know, I wan't intending to claim for the cash machine ones, was just listed what I had found on the statement, the same with the OD interest. I am only going to claim for the interest incurred on the penalties.

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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Ok I have not been able to find any of the other charges I was sure I had, they must have just been the standard interest. The only charges I found that I can claim for have been in the last year totalling £210 before interest on the penalties.

 

My prelim letter and spreadsheet of the charges is going recorded delivery today.

 

Am hopeing that since my claim is for such a small amount that they just pay it straight away! Am saving for my wedding so it would come in really handy!

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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Ok I have not been able to find any of the other charges I was sure I had, they must have just been the standard interest. The only charges I found that I can claim for have been in the last year totalling £210 before interest on the penalties.

 

My prelim letter and spreadsheet of the charges is going recorded delivery today.

 

Am hopeing that since my claim is for such a small amount that they just pay it straight away! Am saving for my wedding so it would come in really handy!

 

i wouldnt hold your breath , but you never know

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 3 weeks later...

No response to the first letter. I have opened another account , am now getting ready to send the LBA, but am a bit nervous...is it really worth it all for £200? I am scared of ending up with a black mark against my name

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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so after humming and hahing this mornig about whether I should do an LBA letter I got hometo night to find a letter frmo Mr Longdale which said that I agreed to the payments when I opened the account, yadda yadda... but settleing for the full amount!

 

donation on its way to this website!

Prelim Letter sent to HSBC - 30th June 2006

HSBCs Deadline to respond - 14th July 2006

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