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    • I hope you mean I try to help people stand up to bullying - and not do the bullying!   I'll assume it's a compliment!     Well - that sort of demonstrates that you've not understood my point and (perhaps?) haven't actually read the OP?   My point is that it is not the boyfriend (the supposed "owner" of the car park) who is posting, but his girlfriend who believes that he "owns" his car parking space.  Yes - it usually makes sense to believe that what the OP is posting is the truth, but in this case there is every reason to believe that there is a possibility that the OP might be mistaken about her boyfriend's ownership of the parking space, because...  well, how would she know for sure whether he does or not?  He might be boasting or lying or simply mistaken.  (My understanding is that many people who "own" flats are often under the mistaken apprehension that they "own" a parking space when they don't.  All the more reason then that somebody else other than the "owner" might be even more mistaken).   I suppose what I'm getting at is that I was a bit surprised that both you and dx100uk were able to give such definite and certain answers to the OP without exploring her situation a bit more fully and ensuring that she fully and correctly understood her boyfriend's rights in respect of the parking space in question.  I was simply concerned that without getting more information from the OP, then the replies given to her might prove to be less than useful.  I wouldn't want her to leave thinking that there was absolutely nothing to worry about and then find out there was because she'd been misadvised because she didn't understand whether her BF "owned" the space or not.   Of course, it may be that my concern here makes absolutely no difference to the answer that needs to be given to the OP because it doesn't matter whether her boyfriend actually "owns" the parking space or not, which is fine.  But sometimes I think it would be helpful to the OP (and other readers like myself) if some of these legal niceties could be spelled out rather than left unexplained.    
    • I've spoken to my son in law and because the gearbox can be very expensive to repair, he would prefer to reject the car.   The garage isn't going to charge storage at the moment.   I feel they have been mislead regarding the service history.   How difficult would it be to get the finance company on our side in rejecting the car and sending back to the dealer?
    • The first thing to say is that you better go ahead and refund the buyer because otherwise she will end up getting negative feedback as well. We will try and help you get your money back from Hermes. Have you made a formal claim through Hermes and have they formally declined you and giving you reasons why? Presumably the item was properly declared and properly valued when the delivery was booked. You don't say whether or not you took out their so-called insurance. Please start off by reading around the sub- forum focusing particularly on the Hermes threats. There are lots of them. Get to understand the principles in respect of the arguments – the insurance element, your third party rights despite the fact that you booked it through Packlink. Have a look at other people's experiences of having sued Hermes, the process of issuing the claim, the defence, the mediation and have a close look at the advice that we give about how to handle mediation. It's highly likely that you will have to issue claim papers so also read around to understand the steps you need to take to bring a small claim in the County Court. It's straightforward but understanding the steps will make you far more confident about what you are doing. Have you started a formal complaint against Hermes and Packlink?
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HSBC vs JK


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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

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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

  • 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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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.

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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?

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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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.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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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.

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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

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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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.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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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

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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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.

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

 

looky

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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