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Cook V HSBC


joanneclaire
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Hi all,

 

just looking into our charges with the HSBC and after reading up on these charges, still a little confused?

 

Is 'debit interest' claimable? although on my statement, the HSBC state this is a 'charge incurred for banking services' so not sure on this one?

 

Also, to be honest apart from the charges issue, I am on the whole a satisfied customer of the HSBC, we have multiple accounts with them, including 2 business accounts, 2 current accounts, loan and CC, although its only our two current accounts that has charges on them.

 

I know it has been mentioned before to set up 'parachute' accounts elsewhere, but I have a good relationship with our local branch and want to remain with the HSBC, so I guess whilst I think it will be worth claiming as we are probably looking at around a few thousand pounds in charges over the 6 years, what are the realistic possibilities of them closing ALL our accounts as I want to avoid this ??

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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Read through the other people who have won against HSBC, as far as I know they haven't closed any accounts as yet...

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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thanks

I have just been through my current account statements online and the total charges on this account is £1591.00 (not incuding the 8% should it go to court)

 

I havent calculated the interest, as it seems tooooooooo complicated as its based on the agreed 'overdraft' interest and reading through other peoples postings, it doesnt seem worth the hassle of trying to calculate it when your account is in and out of credit each month.

 

think I will submit this amount for this one account and see how it goes, dont think I want to go the route with the 2 business accounts??

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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sounds like a plan, and a good one at that, just get your current accoutn out of the way first, to familiarise yourself with the process, then concentrate on your other accounts

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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just preparing my pre-lim letter, which address is best to send all correspondence to??

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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I sent my prelim to

 

Ian Shepherd

HSBC Bank plc,

Coventry DSC,

Harry Weston Road,

Binley,

West Midlands,

CV3 2TQ

 

 

had a fairly quick response (about a week!)

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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  • 4 weeks later...

I never heard anything from my PreLim request so sent off the LBA as planned 14 days after on the 2nd Aug.

 

I have today (8 Aug) received a letter offering me £1400 in settlement of the claim.

 

Not sure what I should do? as its pretty close to my original amount? should I accept and have done with it, what will happen if I decline? Im assuming that they will just let it go to court and I will win that way?

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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  • 2 weeks later...

Moneyclaim online submitted today

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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Hope you added your 8%....

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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Of Course!

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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