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Claiming charges back from day one - Help!


reclaimone
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Also MCOL automatically are staying all penalty charges claims. Here is the link for the HSBC's Particulars of claim:-

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/107637-new-hsbc-pocs.html

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They shouldn't, but unfortunately due to claims still being filed your claim may get stayed along with all the other non-business claims and then you then have the problem of getting it unstayed.

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  • 2 months later...

Hi,

 

Sent SAR, requesting list of charges from start of my account going back to 1992 approx. I was student so there will be quite a few.

 

They sent me standard 6 years statements.

 

Im aware i can claim back past 6 years but nobody at local branch or 08456028006 will help me even tho I have quoted S32 of limitation act.

 

What can i do folks?

:(

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Unfortunately it is almost impossible to obtain statements further back than 6 years. The banks just tell you that all they have is info going back 6 years and that is all they hold on record. Where all the stuff prior to that goes, I don't know.

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IMHO I don't think that even they can help you, but you could allways try HSBCrusher. He is the usual moderator that frequents this forum.

 

Best of luck.

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A prudent question is one-half of wisdom.

 

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I have to agree with jo on this one RC1 , :) - even if the banks have this info wild horses wouldn't drag it out of them - and no-one seems to be able to prove otherwise. (Although some verbal slips have reportedly been made by bank staff in telephone conversations to make one wonder.... ):rolleyes:

 

But I wish you luck with it!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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sorry to say there is virtually no chance of ever obtaining this info from HSBC. It appears to me that it is a very convenient way of limiting any claim.

There is anecdotal evedence that HSBC do indeed hold these records. I was fortunate, I had all my bank statements going back to the early 90s.

Have a go by all means, I think that there was a case once of someone obtaining some old statements from a branch, but that was a long time ago.

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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  • 5 months later...

Hiya reclaimone, nothing has changed regarding the statute of limitations. This law limits the time you are allowed to bring cases to court to 6 years UNLESS you can show the bank seek to conceal the nature of their charges.

 

I think most people have used the OFT's report into credit card charges as a "trigger" date stating in their POC's that it wasn't relay obvious that penalty charges were unlawful until this report was published.

 

I think the best source of information about this is still Bong's thread but it is a bit long :rolleyes:

 

http://www.consumeractiongroup.co.uk/forum/hsbc-fd-hfc-successes/33005-bong-hsbc-contractual-interest.html?highlight=Bong

 

pete

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