DRINK? vs HSBC

[DRINK?]

Same ol story chaps

 

Have been stung for about 3 years due to poor cash management and shocking charges by the above. My query is that I am not sure what charges I can claim. I have gone through my statements for the past 6 years and at 1st calculation I ascertain that £2150 has been taken under the ambiguous description 'total charges'?

 

My concern is that this can fluctuate wildly some months this description was valaued at £36, sometimes at £72 sometimes at £80 and occasionally in 2005 £100?

 

During this time my overdraft was set between £1000 and £2500 though for the main at £1750. The charges I am detailing are definately not interest they are seperate on my statements and have not been included in the above.

 

In addition sometimes I would be £5 over sometimes £150 does this have any bearing?

 

I have a similar issue with MBMA though for smaller figues and guess another forum.

 

Please assist this hobo...cheers D:)

[Guest Mumofthreeboys]

Hi Drink (great username btw)

 

I'm not sure what you're asking. Do you want to know whether you can claim all your charges back - if so then the answer is 'yes'.

[DRINK?]

Hi Drink (great username btw)

 

I'm not sure what you're asking. Do you want to know whether you can claim all your charges back - if so then the answer is 'yes'.

 

Thanks though drink and socialising is probably why why financial situation is not great...and these charges!!!

 

Yup I just wanted to know whether I can claim them all, whether being differing amounts over your overdraft matters. By the way I don't think I have ever had a D/D refused? always paid by the bank though often taking me over?...hen always stung with charges the next month. Definately no letters discussing this from them?

 

Cheers;-)

[Guest Mumofthreeboys]

Thanks though drink and socialising is probably why why financial situation is not great...and these charges!!!

 

Yup I just wanted to know whether I can claim them all, whether being differing amounts over your overdraft matters. By the way I don't think I have ever had a D/D refused? always paid by the bank though often taking me over?...hen always stung with charges the next month. Definately no letters discussing this from them?

 

Cheers;-)

 

A penalty is a penalty, whatever they charged you, claim them all back MOTB xxx

[DRINK?]

Okey dokey m'dear....looking at that track record you seem to be in the know....you don't do consultancy do you? ;-)

 

 

Also is there a quick link to the procedure?...my puter keeps crashing and am struggling to find it all out? sorry to be a pest chaps

[Guest Mumofthreeboys]

Okey dokey m'dear....looking at that track record you seem to be in the know....you don't do consultancy do you? ;-)

 

 

Also is there a quick link to the procedure?...my puter keeps crashing and am struggling to find it all out? sorry to be a pest chaps

 

You don't need me - once you find you're feet you'll be fine.

 

Try this link:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html

[sarah13]

here is http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

then template library is http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

and finally the hsbc forum is at http://www.consumeractiongroup.co.uk/forum/hsbc-bank/

 

hope that helps! Good luck!

[DRINK?]

Thanks...am currently compiling...bit between my teeth and all..will be back soon when I have amounts in excel and know more myself...cheers D:)

[DRINK?]

one other question....a few months ago some guy rang me up from the bank and changed my account not sure from what until what...uselessly I don't know when this was...I would guess this was about 4 months ago??

 

What I have noticed is from Jan this year I have been getting a flat £50 quid a month charge...though detailed as £25 overdraft fee and £25 excess overdraft fee?....does this have any bearing on my claim?....thanks

[DRINK?]

Bumping this anyone know as to the recent change in charges above...cheers

[bigboyprice69]

A possible explanation could be that when they changed your account for you they upgraded it to a 'premiere account', they offered it to us too. Anyhow, the charges are less on this account but there is a fee for this account, (annual I think) Full details should be on their website.

 

HTH

[DRINK?]

Right....continuing saga...finally sent letter to HSBC, this was on the 21st of Sept, as yet I have heard nothing back from them at all ( unless post today 10.9.06 has come whilst I'm at work ) save a load of bumpf totally unrelated regarding credit card insurance.

 

What should I do, follow up by phone? I know from royal mail that there were many recorded items delivered to HSBC that day, hence why I had difficulty confirming their receipt though they have had the prelim letter and as I see it done nothing?