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Scott V's HSBC 6th July 2006 Charges , any Advice?


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Hello,

 

I called my bank about 30 days ago and asked for 6 years worth of statements which I got on the 4th July, I calculated that over the period it all adds up to £2765.50.

 

I am going to send Head Office a letter and wondered if there were good templates that would provoke the least amount of correpondance and be effective in getting the charges back... I worked out the 8 % interest you can claim equals £663.00, would I ask for this in my letter before action?

 

Also are there any good contacts?

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Hello,

 

I called my bank about 30 days ago and asked for 6 years worth of statements which I got on the 4th July, I calculated that over the period it all adds up to £2765.50.

 

I am going to send Head Office a letter and wondered if there were good templates that would provoke the least amount of correpondance and be effective in getting the charges back... I worked out the 8 % interest you can claim equals £663.00, would I ask for this in my letter before action?

 

Also are there any good contacts?

 

hello mate and welcome, make sure you read the faq'shttp://http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ and the templates for letters are here

thehttp://http://www.consumeractiongroup.co.uk/forum/bank-templates-library

 

you can't add the intrest unless it goes to court

 

any more questions just ask

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Hi

 

I sent my prelim letter to mr phil beaumont in Leeds (full contact details at begining of HSBC forum). I enclosed photocpoies of my statements where charges had been levied, as well as a copy of my schedule of charges...that way he will have all the information he requires to hand and can't stall! ;)

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Thanks for that, I think I'm going to send my letters to:-

 

Mr Alan Pretty

Senior Service Quality Officer

HSBC Bank Plc

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

People have been successful and it's the right place for the letter to go to.

Your links didn't work by the way...

I've got 2 letters that I coulkd send... one is which a guy got refunded straight away using this:-

Dear Sir,

 

It has been brought to my attention that your bank charges are illegal.

Therefore please refund to my account ( sort code) ( account Number) all charges without undue delay.

 

I feel very strongly about this breach of the rules by your bank. I will give you fourteen days to accomplish this task before seeking legal advice.

 

Yours Faithfully

 

(Name)

 

Signed.

the 2nd is a bit long and is open to discussions and debates and invites numerous letters I think which is what I don't want...

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

 

 

 

Yours faithfully,

 

[name]

 

Does anybody have any better letters or advice?

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well done on getting your claim started. Dont expect anything from your first letter to alan pretty, i havent so just sent my LBA .

But stick to your guns.:-)

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the reason the 2nd one is so long , is simply that it removes any loopholes or technicalities, that the bank may try to use to not give you your money, trust me its better to stick to the method which has been proved by over 1000 people so far

  • Confused 1

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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well done on getting your claim started. Dont expect anything from your first letter to alan pretty, i havent so just sent my LBA .

But stick to your guns.:-)

 

I have given him 14 days to respond before threatening with proceedings so hopefully we will see from there.... the next letter with be more aggressive...

Thanks for the warning though...

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the reason the 2nd one is so long , is simply that it removes any loopholes or technicalities, that the bank may try to use to not give you your money, trust me its better to stick to the method which has been proved by over 1000 people so far

 

Thanks for the advice...

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In the first letter you say:

It has been brought to my attention that your bank charges are illegal.

It may seem a small thing and I must admit to still being a bit confused by the difference, the charges are not illegal, but they are unlawful.

 

Neil.

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Hello, you are right actually, but I have combined the 2 letters together and made a letter using good parts from each... I do remember that I did keep the illegal but then went on to say how unlawful they were.... I think they will get the Jist of it and hopefully will get a reply in the next 2 weeks...

 

We will wait to hear...

 

Can anyone message me who was succesfull and who the contact was? also how long it took and how many letters later?

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sent all my correspondance to customer services dept in leeds, took about 5 weeks from preliminary to money in my account

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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sent all my correspondance to customer services dept in leeds, took about 5 weeks from preliminary to money in my account

 

Cheers for that, that's awesome... .how much did you get in the end?

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just to say just received a letter from HSBC to offer me £1400 from my prem letter owed £1623,so just over 2 wks

 

Are you taking it? so a straight offer from your first letter?

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Gonna take the money as im really skint at the mo as ive seperated from my husband and waiting to sell my house so its a massive bonus to us. But i still celebrated sat nite,and now alot of my friends are gonna get there charges back from their bank as they all been waiting to see how i did,and if they get stuck gonna give them a hand.

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Gonna take the money as im really skint at the mo as ive seperated from my husband and waiting to sell my house so its a massive bonus to us. But i still celebrated sat nite,and now alot of my friends are gonna get there charges back from their bank as they all been waiting to see how i did,and if they get stuck gonna give them a hand.

 

I'm the same, everyones waiting to see how I go... so they only send you one letter and that was to offer you money?

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ya just the one letter and that is what they offered me,it's £200 pound short of the origianal amount but at the mo as i say its a massive help

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I sent it to Alan Pretty in Leeds,but the letter i received back was from Colin Langdale which i have seen on quite a few threads.

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There is an article in today’s financial section of the Daily Mail which indicates that there is to be a case heard in the high court about the bank charges issue and many banks are waiting for the verdict before taking any action. Can anybody tell me what this says...? I don't like the sound if it....

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you're not the only one to have asked about this, i will find out all the details, however, keep an eye on the general section just incase

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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There is an article in today’s financial section of the Daily Mail which indicates that there is to be a case heard in the high court about the bank charges issue and many banks are waiting for the verdict before taking any action. Can anybody tell me what this says...? I don't like the sound if it....

There is a link in the general section on page 9 of bank court claim cancelled....

Basically just stating that a few courts have stayed..(not all)and not much else other than more speculation...

 

(I am panicing as HSBC have just offered me nearly £2000, aggghhh want to grab and run....but should hold on till end.....but then the rumours of ......oh no...head in turmoil!!)

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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