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Natalie v HSBC **WON**


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Hi,

 

I'm new to this and at the moment am just contemplating pursuing a claim for my bank charges.

 

I was just wondering if any of you that made a claim have had your account closed by HSBC. I have a savings account and a personal loan with HSBC but I am worried if I pursue a claim with them for charges on my current account they will close my savings account and my loan too.

 

Any help/advice will be much appreciated.

 

Thanks

 

Natalie

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Thank you for your reply. I think I'm going to go ahead with it then. Wish me luck! I'll start my own thread in a few days to chart my progress.

 

Thanks once again.

 

Sorry forgot to add I've got another account that I could use if they close my HSBC account so all is good! :)

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Good luck Natalie!! I've just been offered nearly 5K back from them and there is no mention of account closure.

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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After reading all of the information and advice on here I've decided to go ahead and make a claim. I'm claiming for £820, not a huge amount, but on principle and the fact it's my money!

 

I'm going to be sending the prelimnary letter today, as I managed to get my statements online. The other thing I'm not sure about is the bit about manual intervention. I don't actually understand what that is/means :oops: Could someone shed some light for me please. At the moment I have left that section out of my letter but I'd rather put it in if I need it.

 

Thanks. :)

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Hi Natalie and welcome

 

£820 is a significant amount - and as you say, especially when it is legally yours.

 

Manual Intervention - the banks are only allowed to charge for services that require a member of bank staff to actually be required to personally take time to work on your account - for example when you are charged for a direct debit not being paid, the bank needs to prove that a member of staff actually had to do something - which of course they do not as everything is automated.

 

You must put this section back as it is a critical part of the argument on which the ruling has been made that allows us to reclaim these unlawful charges.

Good luck - you will see that money in no time!

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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Thanks for your quick reply. :)

 

I've amended my letter to include the part about manual intervention now, thanks for explaining what it meant.

 

This forum is fantastic, I know I would be completely lost without all this help. I've already told all of my friends and family about it!

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Excellent - keep spreading the word - we are all claiming back what is rightfully ours!

 

The forum is brill - I would never have got this far without their help. When you are getting fed up with the bank, you'll alwyas find someone who has been there too and will lift your spirits.

Good luck with the claim - hope it goes smoothly.

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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How would you go about rewording the template if the bank actually did reply to your first letter, saying they dont agree. The template says "I'm disappointed you havent replied to my letter...."

 

Sorry if this was answered elsewhere. I did try searching.

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You can put "you did not reply satisfactorily to my first letter"

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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  • 2 weeks later...

Hi Natalie, This is the calm before the storm! It is a great time to go back through the FAQs and look at the threads of some people who have finished and won. I spent ages reading through the FAQs and it helps reassure you that you are getting it right.

 

Get ready to meet your postman!

Dinahjl :grin:

HSBC - 2 Accounts - owe us £5.8K

10 Aug offer received of 50% owed on smaller account. We Replied and REJECTED offer

11 Aug 2nd offer made on same account - £500 higher! REJECTED AGAIN

18 AugMoneyclaim submitted for £3848 on main account. ACKNOWLEDGED 23 Aug.

30 Aug Moneclaim prepared for 2nd acc £2389.56

9 Sept RECEIVED OFFER IN FULL SETTLEMENT OF £6134.30:-D :-D :-D

 

If you have found my advice or comments helpful - please rate them by using the scales above. THANK YOU:)

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  • 2 weeks later...
  • 3 weeks later...

I am completely lost! :sad:

 

I am filling out the moneyclaim online but I have a feeling I am not working out the interest correctly. The spreadsheet is not working it out for me, it just says value on it. So I tried to work it out by hand but I think I may be doing myself out of money. Is the 8% just a standard 8% of the value or does the date of the charge affect the amount?? i.e I was calculating the interest for £100 charges in Oct 05 as just £8. Is this right?

 

Sorry for asking dumb questions. I've looked everwhere on here and can't find an answer.

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Hi Natalie

 

If you sent your lba on the 6 Sep giving them 14 days to respond why are you waiting until Friday to File? Even allowing a couple of days for posting you can still file now, unless I am missing something.

 

I sent m lba on 7 Sep and have already filed.

 

Caroline

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