philo v HSBC

[philo]

I've just started the process of claiming back my £844.50 worth of charges with an additional £39.73 in overdraft charge interest. I'm using printed off online bank statements. Nearly all the charges are "Total Charges", (all the earlier ones are about £27.50), apart from one which is a "Charge" for £7.50, have no idea what it could be for, but it seems excessive so I'll claim it back .

Having read a few threads concerning interest, I was a bit concerned about including it in case I made a mistake which the bank may exploit, but it seems that on the same day they charged me, they also took out interest which is the figure I entered into the spreadsheet. This seems too easy to me, am I doing something wrong?

 

Anyway, prelim letter tonight, post in the morning .

[maverik1979]

hello, welcome to the site. if you read the sticky post at the top of the forum regarding charges on statements, in there is a detailed description of the interest ad how to calculate it

[philo]

Hi All

 

Just received a response from someone who signed the letter for Colin Langdale (probably too busy with a backlog to sign the letter himself ). Usual standard stuff and an offering of £675.00 of a £894.46 claim. They totally ignored my interest claim of £39.96, just acknowledged the charges of £844.50!

 

Anyway, pressing forward with the full claim .

[rdm2006]

sounds like you know the steps to follow

[philo]

I've been back and forth this site for weeks now, so I seem to be picking up stuff by osmosis .

 

Thanks to everybody's threads here, I've become very confident in my ability to handle the banks, something I've never previously felt.

 

Strange thing is, everyone I've told about this site and the reason behind it, doesn't seem as enthusiastic as me. They must think that a) I'm lying b) I haven't got a chance of winning c) It doesn't concern them 'coz they haven't ever had an overdraft charge .

 

Baffling!

[rdm2006]

Wait till you tell them you won LOL. I wish id had a camera when i told the doubting Thomas' that i had won --- especially when i told them how much hehe

[philo]

BTW rdm, great step by step guide. Easy to follow - should be a sticky I think!

[rdm2006]

Already trying to sort that out Philo. only thing i can say is the more people who vote by clicking on the scales the better chance i will get

[philo]

Time for me to file with MCOL, I've already delayed by a week (actually forgot ).

I've another "pending" charge of £19 due in 2 weeks for being oberdrawn by £19 for 1 day!! I'm angry at this and would like to add this to the amount owed but as it hasn't actually been debited yet, then it is not a justified claim on MCOL. I'm tempted to wait another 2 weeks before filing, just so I could include it .

 

Could someone clarify for me please, when filling in relevant MCOL entry, and using the following template. Am I right in assuming the "amount of charges claimed" include the interest on those charges?

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years.

[philo]

Aha

 

Had another letter today, this time from Colin Langsdale offering me £844.50 as a final offer etc. That's the second "final offer" I've had so far hehe. I haven't even filed with MCOL yet.

 

Not sure whether to take it though, it's only 40 quid ish of my claim and the money would have a happier home with me now rather than later. Then again, it is ALL mine and I could also squeeze an extra 8% interest out of the bank if it went further.

 

Hmm...decisions, decisions..........

[goberpiles]

depends how much you need the money tbh, if you need it now id except it.

[philo]

Well...I accepted the final offer of £844 which is just £40 less than I requested (it was the interest which they were adamant was justified), and sent off the signed letter. Had my bank account credited 2 days ago with the agreed amount.

 

Success!!!

 

I hope everybody has it as easy as me. I've already had £40 "charges" deducted from my account since my action began, so I'll probably go through this again.

 

Bring it on!!!