HSBC rip off charges Help Please !!

[MIKEY DABODEE]

Do HSBC usually acknowledge SAR ?? think dropped booby local branch said could send it through internal post

havent heard a peep about freezing account either

be two weeks tomoz should I send a reminder by recorded delivery

 

And what is correct address to send ??

[freakyleaky]

AGHHHHHHH No!!! Don't trust them to send anything internally.

Send another sar immediately and send it recorded (signed for) delivery.

 

 

 

.

[freakyleaky]

Adress for sar is

HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

[MIKEY DABODEE]

Thought I had !!!!!

will so that would you have address to send the letter about accepting payments towards balance etc

 

thannx for reply

[freakyleaky]

would you have address to send the letter about accepting payments towards balance etc

 

thannx for reply

Not sure what you mean Mike.

[MIKEY DABODEE]

what I am trying to do is get account frozen to stop even more OD charges been shoved on, and pay bit off each month to clear it

original OD was £500 most of that charges I owe about £250 of that, now over £800 with all charges/interest etc

and cant afford to clear it all

 

think was told Customer Credit team to contact

[freakyleaky]

Ah right yes. Just address it to head office as that is where most of these threatening letters come from. You could put a note in with it asking for it to be forwarded to the right department.

HSBC BANK PLC

8 CANADA SQUARE

LONDON

E14 5HQ

[Castlebest]

what I am trying to do is get account frozen to stop even more OD charges been shoved on, and pay bit off each month to clear it

original OD was £500 most of that charges I owe about £250 of that, now over £800 with all charges/interest etc

and cant afford to clear it all

 

think was told Customer Credit team to contact

 

Hiya Mike, I doubt very much if HSBC will agree to anything along these lines, they are more likely to offer you a managed loan WHICH YOU SHOULD REFUSE because it will be horrendously expensive and mean you will be in debt for a long time.

 

I think most people end up opening a new account with another bank to handle their day to day finances and once your claim is underway your account will be in dispute and HSBC can do very little legally to recover anything until your dispute is sorted and you get your charges back. while this is happening you can pay what you can afford into the account to reduce the debt you actually owe them.

 

pete

[MIKEY DABODEE]

Any body got a link to the SAR letter lost mine

thanks

[**Tilly**]

Hiya

 

Here you go

 

 

1. Data Protection Act, Subject Access Request letter - List of charges

 

 

 

Tilly

[MIKEY DABODEE]

Thanks Pinky

 

will they have to acknowledge receipt of it

[**Tilly**]

Hiya

 

Chances are no,but you can always check on the royal mail website,if it has

been delivered.

 

[MIKEY DABODEE]

H.S.B.C have sent me my statements and have refunded the £10 SAR

in response to my first request but because I sent them through the internal post and thought they had ignored my request

I have today SARed them again

 

this time asking for every thing in relation to my account

do I need anything else or should I put in my new claim as soon as possible

 

and can they come after the balance on my overdaraft?? because at the moment I cant afford to pay it off

 

I have a new account with another bank

[johnnymitch]

and can they come after the balance on my overdaraft?? because at the moment I cant afford to pay it off

 

Hi Mike - as pete said earlier, now that your account is in dispute (they should know it will be from your S.A.R - (Subject Access Request)) they cannot enforce repayment until the amount owing is confirmed.

 

Just follow the lead pete gave you in #33.

- stick to the timetable and if they come demanding repayment just send them an 'Account in 'Dispute' letter.....(available in the templates I think ,but if not just come back and ask)

 

Well done on getting a 'parachute account' - it'll help you manage day to day finances and you can see then how much you can comfortably afford to pay towards reducing your overdraft.

[MIKEY DABODEE]

Has anyone got a link to the simple spread sheet and the letter to send with it

for some reason I cant find the template library again

 

[**Tilly**]

Hiya

 

here is the link for the letter in dispute and spreadsheet link

 

Account in Dispute

 

 

iCalculate

 

 

 

Tilly

[MIKEY DABODEE]

thanks Tilly

 

is the site having a problem ??

 

cant get anything up on the link

[**Tilly**]

Hi

 

 

hmmm strange, try these one's

 

 

Account_in_Dispute

 

6. Interest calculation spreadsheets

 

Free alternative to Excel

 

 

Tilly

 

TY

[MIKEY DABODEE]

thanks Tilly

worked that time

 

do i complete the sheet print it off and send it when i submit my figures to the bank

 

I am a bit confused about the interest

do I ask for it from the outset or a later stage

 

whats usual? want to get it right !

[**Tilly**]

Hi

 

 

The interest is only added at the court stage,Make your copies with the interest

then save them or print them,and then just delete the interest colum,and send a

copy with your prelim.

 

 

Tilly

[freakyleaky]

Just to add to Tilly's advice. You will have to re-calculate the interest up to the day you file at court as the figure will change daily up until that time.

[MIKEY DABODEE]

know this sounds daft,

but does it day it automatically from the day you put your figures in

 

or do I have to put todays date in

[freakyleaky]

No it does it automatically from the date of the charge until todays date.

Not a daft question at all. I asked the same thing when i first used it.

[johnnymitch]

from freaky:You will have to re-calculate the interest up to the day you file at court as the figure will change daily up until that time.

 

What freaky means, Mike, is that you just update the interest on the day you file at court - the calculation is already done for you - clever eh?

[freakyleaky]

Thats what i said didn't I?

 

Oh well you know what i meant.