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HSBC - 2nd claim for charges


fatboydukey
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Hi all

 

God Ive got a bee in my bonnet today! 3rd new thread I have posted this morning!!

 

I havent used my hsbc account since Jan this year as for the year after I claimed my last charges they charged me an additional £1100 in bank charges!

 

I swapped over to the parachute account I opened at the time of the first claim as I had asked hsbc to either cap my account at zero i.e. dont let me go overdrawn or give me an overdraft - both were rejected.

 

My hsbc is about £350 overdrawn and has been since I swapped over to my parachute account.

 

I have put in my 2nd claim and have sent the first and second letters claiming it back - (didnt need SAR as all my statements were online).

 

However, they are obviously chasing me for the amount I am overdrawn and until last week they were phoning me up to 5 times a day (I shouldve sent the telephone harrassment letter) I did tell them on the phone that I would only deal by letter and also wouldnt confirm the security info they were asking me as I couldnt confirm who they were - I knew exactly who they were tho! I went online last week and removed my telephone number and havent had any calls since then.

 

If they do write or ring me chasing this overdraft letter how do I state that I am counter-claiming as they owe me charges?

 

Also - do I start the court process? My court would be Hitchin County Court and I did see on the thread re the courts that they are one of the courts that are not staying cases.

 

If I should start the court claim do I need to write them a letter advising - .... you want the overdraft paid and I want my charges which would bring my account back into credit.... etc

 

Any help would be appreciated.

 

Thanks fbd x:-)

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Thanks Pete

 

If I get any more letters/phonecalls then I will send the template re: account in dispute.

 

I suppose I will just have to be patient now then and wait and see the outcome!

 

Thanks fbd

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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  • 1 month later...

Hi Guys

 

Just an update!

 

A couple of weeks ago I received a letter advising I was overdrawn (I already know that d'oh) I need to bring my account back up to date etc etc. Sent the account in dispute letter stating if my charges are paid then I will no longer be overdrawn to which they replied saying fees fair and justified blah blah blah. Well I filed their response as couldnt be bothered to send another account in dispute letter!

Friday am I received a call on my mobile (usually I will ignore 08.. numbers) but I was feeling in a feisty mood so I decided to answer!

It was HSBC collections dept - I asked where they got my number as I had removed all my contact numbers (no answer) I also stated that my account is in dispute - also I had sent a telephone harrassment letter previously so I could complain higher regarding the fact that he was ringing me! He then asked if I could go into my branch to pay (I said no) He said debt collectors could call to my property (I replied only the postman and people asking for directions allowed without invitation) :D He then said legal action could be taken which could end up in court!!!!! I said BRING IT ON I will counter claim!!!! He then tried to do the usual such as home tel number and job etc - I refused to update him hehe!!

 

I then got bored and told him I really had to go to work and to have a nice day!!

 

Love it!! - but a few years ago I wouldve been pooping my pants at the thought of speaking to a DCA, thanks to CAG I am able to stand my ground and know my rights!!

 

I will, however, update on here if I do receive court action coz then I prob would be pooping my pants lol and would need lots of guidance on how to ensure I win!

 

Thanks guys

 

Fbd x

:D

  • Haha 1

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Hi Johnnymitch

 

Thanks for your comments - if they do try court action then I will be straight on here asking for help and advice lol!

 

Thought I should post my feedback to show people that you can fight back with DCA's and also show that they are not scary and just little people in a call centre reading from a script!!

 

Ps Thanks for the tickle hehe!!

 

FBD xx

:D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Thanks for the comments guys,

 

Ive just moved so my home number has changed and they havent got that one! Had my mobile number for too many years to want to change it and if they ring again I can reject it anyway - if they do start ringing regular again then I will write to the higher beings to complain about it!

 

I am hoping they do start court action as I can hopefully then get my charges back quicker than waiting for the test case to be resolved!!

 

I will keep everyone updated!!

 

Thanks again

 

FBD x

:D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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  • 6 months later...

Hi guys

 

Just an update!

 

Received a letter from Moorcroft today - I HATE THEM lol!! Now where is that account in dispute letter..... ;)

 

Same old blurgh theyve put in the letter, intended litigiation before legal proceedings commence... could send baliffs, attachment of earnings, charging order on a property I may own or buy...

I dont care, take me to court coz thats when I counter claim for the charges you dufus' hehe!!

 

FBD x

:D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Share on other sites

Cheers JM

 

Havent been on here much (damm those 'social networking' sites lol)

 

I was looking for one of my old account in dispute letters but I only had ones regarding catologue charges! This one seems a lot better!

 

I never actually got to the court stage just sent the first and second letters. Because this is my second claim it only goes back about 2 years so was ok with the 6 years of claiming rule. Money issues etc prevented me from doing it.... D'ya think thats gonna go against me?

 

I thought that if your account was in dispute the debt couldnt be passed on even if you hadnt put a claim in to the courts??

 

When I was sorting a claim for my mum with Kays they passed it on to moorcroft so I sent them an account in dispute letter and they wrote back saying they were sending it back to Kays...

 

I need to update my claim anyway as even though I dont use the HSBC one anymore its overdrawn and they have been adding about £5 per month on (debit interest) and also I need to recalculate the interest since its been a while... I will do that and then see about getting it to the court stage!

 

Always look forward to your helpful replies JM (and Pete of course)!!!

 

Cheers

FBD x

:D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Lol, I decided that if they started court proceedings to get it back thats when I would put my court claim in!

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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  • 7 months later...

Hi all.....

Its been a while lol....:)

 

There are sooo many posts to read thru that I dont know where to start...can someone explain to me (in a nutshell) what the result meant?? Can we start claiming again?? Do we have to reword letters etc??

 

Need to get myself prepared incase any new 'debt letters' fall on my doormat......

 

Cheers guys

 

FBD

:D x

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

Link to post
Share on other sites

  • 1 month later...

Hi guys

 

Happy new year to you all!!

 

Ok, Ive had a letter from my bank saying they wont pay back charges because they have been ruled as not unfair etc etc....are there any templates we can use to send back to them?

 

Thanks

FBD x

:D

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Hey JM

 

I do try and remember to come back every now and then but my life has been stolen by f*cebook haha!!

 

My claim was on hold by HSBC so I didnt go to the court stage....

 

Not sure where to go from here tho?!!!

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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