HSBC vs JK

[jk.]

Hello eveyone.

 

Pleased to meet some other HSBC customers.

 

I have found this bank to be unhelpful, unsympathetic and as un'local' as it gets so best of luck to all those claiming something back!

 

I am about to send my preliminary approach for repayment letter and have one question i cannot find the answer to in the faq's or this forum.

 

On my statements, my charges are listed as 'Total charges to {date}.'

This refers to a monthly period (2 months previous I think).

 

I cannot therefore breakdown the amount into charges and interest on charges.

If I include one total amount in my letter will this affect the bank's consideration of my claim.

 

Any help is much appreciated.

 

jk

[maverik1979]

hello and welcome to CAG/BAG in reference to your question , total charges refers to a daily charge for being over your overdraft limit they can charge you up to 5 days in a month (might be 6 im not sure), so for every day they add up the charges in that month and call them total charges at the end, they are not the total of all charges in that month, but rather a seperate charge alltogether, so you can claim these on top of your other charges

[jk.]

hello there.

 

thanks for taking the time to reply..

 

sorry (more questions) im now a little confused. my statements (both online and in hard copy) do not detail specific charges and reasons i.e withdrawal with insufficient funds, they only include this 'total charges' amount for monthly periods. This ranges from £20 to £125.

I did request that HSBC supply me with a specific instances of my charges but they said this would cost £30 in 'staff resources.'

Are other cutomers able to see more detail on their statements?

 

I wonder if the bank is omitting these details deliberately to avoid possible claims being made?

 

If there are additional charges I cannot see I will pay the £30 if necessary, although I was under the impression £10 was the requirement under the DPA.

 

again any info is appreciated.

[maverik1979]

hsbc wont be witholding any information , you can be sure that they dont want that kind of problem, because that would be much more serious than paying out a couple of million in claims.

 

is it that you know you had a specific charge at one time, but its not reflected on your statements?, or is it that you thought there would be more charges?

[barracad]

HSBC don't list the individual charges - they stopped doing that a few years ago. It will just say 'Total Charges' - everyone's statements are the same.

[jk.]

what i've noticed on the preliminary approach for repayment letter is that there are two amounts to fill in...

 

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

 

I can only calulate one figure as all neither specific charges nor overdraft interest appear on my statements.

[maverik1979]

HSBC don't list the individual charges - they stopped doing that a few years ago. It will just say 'Total Charges' - everyone's statements are the same.

 

on my statements , up to and including may this year, the total charges were seperate to other charges, for returned items etc

[barracad]

on my statements , up to and including may this year, the total charges were seperate to other charges, for returned items etc

 

So the same charges are listed twice?

 

On my statements they used to list the charges individually, but then they stopped doing that and started listing them as 'Total Charges' instead.

[maverik1979]

no, the same charges aren't listed twice, they are different charges, for example, in one month i had a charge for card mis-use £30 and one for returned direct debit £30, but i also had a total charges of £27.50, i queried this and found out that the total charges is for exceeding your overdraft limit, and its calculated on a per day basis, up to a maximum of 5/6 days in a month or capped at about £125 i think, its then totalled up at the end of the month, seperately

[Hedgehog]

Yes, I had lots ot "Total Charges £125" as well as "card mis-use £30" etc

Just add them ALL up, and claim for them all back.

 

For each month, if you had charges. did you also incur interest?

You can claim some of this interest back...(its really complicated as interest is charged on a daily rate..) but there is a spraed sheet on here that attempts to give a fair estimate.

[maverik1979]

it just so happens hedge that ive made a post about that, please dont reply as im going to have it sticked

 

looky