HSBC paid out

[MTC]

Hi, after hearing about 'Battle The Banks' on GMTV with Martin Lewis, decided to look into my bank charges with HSBC as I hadn't really a clue what had been taken out in charges over the years but knew there had been a few.

I took the time to read all your good advice and follow the specific instructions laid out by you.

Sent the letter from the library section requesting 6 years of statements and a cheque for £10 by recorded delivery.

The cheque was returned to me immediately with a pleasent letter asking for my patience whilst getting the statements to me.

The statements all arrived within 2 weeks and to my amazement the charges amounted to £1923.50! all made up of 'card misuse' DD recalls and ,total charges'.

On July 28th I sent the next letter by recorded delivery requesting refund of these charges allowing them 14 days to comply.

On Thursday August 17th the letter arrived....the said ' For commercial reasons alone and without any admission of liability whatsoever they were prepared to make a payment of £1630.00 !!!!!!

I was prepared to accept this as and frankly am amazed that it all went so smoothly, there was no mention of closing my account which would have been a real concern for me and I am absolutely delighted at the result although I realise that they are only returning MY MONEY.

Your site has been an incredible help to me, especially hearing of other peoples experiences and I have passed the information on to others around me.

Thank you so much for your help.

RESULT!!!!!!!!!!

[Overdrawn]

Congratulations!

 

Have you completed the survey and made a donation to enable this site to continue to help others?

 

Other users may find your story useful in the appropriate bank forum.

 

Well done again, spread the word.

 

Regards, OD

[kelly pendlebury]

Hi, after hearing about 'Battle The Banks' on GMTV with Martin Lewis, decided to look into my bank charges with HSBC as I hadn't really a clue what had been taken out in charges over the years but knew there had been a few.

I took the time to read all your good advice and follow the specific instructions laid out by you.

Sent the letter from the library section requesting 6 years of statements and a cheque for £10 by recorded delivery.

The cheque was returned to me immediately with a pleasent letter asking for my patience whilst getting the statements to me.

The statements all arrived within 2 weeks and to my amazement the charges amounted to £1923.50! all made up of 'card misuse' DD recalls and ,total charges'.

On July 28th I sent the next letter by recorded delivery requesting refund of these charges allowing them 14 days to comply.

On Thursday August 17th the letter arrived....the said ' For commercial reasons alone and without any admission of liability whatsoever they were prepared to make a payment of £1630.00 !!!!!!

I was prepared to accept this as and frankly am amazed that it all went so smoothly, there was no mention of closing my account which would have been a real concern for me and I am absolutely delighted at the result although I realise that they are only returning MY MONEY.

Your site has been an incredible help to me, especially hearing of other peoples experiences and I have passed the information on to others around me.

Thank you so much for your help.

RESULT!!!!!!!!!!

hi just wondering what you did? i send i letter with all the charges and the 14th day was up last week on th 18th, and i still havnt hurd anything, please can you help me thanks

[neil russell]

Glad to hear of your success with HSBC. I'm currently reclaiming charges from them. I've sent the first and second letters but had no reply although statements were supplied, albeit with loads of missing pages! I'm about to send them a letter before action so watch this space to see what happens. Like you, I think this website is amazing and would never have thought to reclaim the money had I not had the support and assistance from here. Here's hoping!

[Overdrawn]

Kelly Pendlebury

 

and

 

Neil Russell

 

Polite request - please can you both start your own threads, that way it is easier for others to help you with any questions relating to your personal claim(s). Posts made in inappropriate places get lost and overlooked and in some cases go unanswered. Start your own thread and post questions, log your progress and gain support there.

 

Regards, OD

[MTC]

hi just wondering what you did? i send i letter with all the charges and the 14th day was up last week on th 18th, and i still havnt hur

d anything, please can you help me thanks

 

Hi Kelly,

 

I simply followed the advice of the site and sent the 'letter before action' with the spreadsheet of all the charges, I did not add the interest but stated that I would do so if it went to small claims. From the actual day the letter was posted it was 20 days before I received letter back.

I really thought I would have to take further action so was delighted when letter arrived.

Stand firm as it just goes to show they are in the wrong as why pay out to one person and not the other? and to be honest I have not had anything in my account for a while as I am between jobs, so I am hardly a 'valued customer'.

Good Luck.

[pudding79]

Hello

 

Congrtualtions! I have not been so lucky with HSBC. They are refusing to refund me on the grounds that the OFT ruling only applies to credit cards! I would be really grateful if you could tell me which letter you used, and to which HSBC contact you sent it? I'm not giving up as they awe me a grand!!

[MTC]

Hi,

The letter I used was 'Letter before action' the template was in the library section.

I sent it to my branch manager at HSBC and he obviously forwarded it on to head office.

The letter sent back to me came from the Service quality team, Arlington Business centre, Millshaw Park Lane, Leeds LS11OPP.

The money returned was from my current account made up of DD recall charges, missue of card charges and total charges taken from this account over 6 years.

So don't know what their talking about 'only applies to credit cards'.

My only advice is to follow strict instructions on site.

Good luck

[pudding79]

That's brilliant, thanks.

[Clarefrancesca]

That's great! Good for you. i'm in the process of going through my statements received, but am being charges £10.00 per statement anything older than a year with abbey national this can't be right can it?

 

Well done you! this site has really helped me too, as i would have never of had the confidence to take them on alone.

 

Thanks.

[pudding79]

You need to ask for a data subject access request - see the guidance notes and template library. If you simply ask for duplicate statements they can charge you. If you make a data access request they can charge you a maximun of £10 for the lot.