Jump to content

  • Tweets

  • Posts

    • CCA regulated debts cannot be enforced by HCEO's at all now. however even if they COULD be. no bailiff, whatever their type, on consumer debt judgements, have ANY right to force entry ...you simple IGNORE THEM.  
    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.


      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

HSBC vs HSBCClaimer (me!)

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6373 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

Greeting guys! Hoping to get my money back from HSBC, so here goes!!!


Last week I sent off my Data Protection Act requesting 6 years worth of statements, I didn't enclose the fee. 5 days later I received a letter apologising for the delay in responding and acknowledging that my statements were on their way!!


2 days later, 70+ envelopes arrived through my door, each containing a monthly statement. I've now sorted these into order and will start the process tonight of going through each highlighting the relevant charges.


Just to confirm, can someone answer the following...


1. I have monthly charges for being within my overdraft back in 2000/2001, the first line is an interest charge of around £10-£25, the second line is a charge of £27.50 - can I claim back both, or just the 'charge'?


2. I have a line stating FGN CHEQUE, a charge of £6.00 - is this legitimate or can I claim back?


3. Should I use the Basic or the Advanced spreadsheet for listing my charges??


Appreciate your help!

Link to post
Share on other sites

Last night I totalled up the charges, only just under £600 but still keen to persue!!


To where should I send the prelim letter to get a quick response and seen as this is my first request for a refund, should I request the 8% interest or not?


I've listed my charges using the Basic spreadsheet and hidden the two last columns (date since offence and interest).

Link to post
Share on other sites

Ok, taken the Prelim Letter Template provided and reworded it to sound a little more professional and less informal (no disrespect to the creator intended), but I wished for it to sound a little more formal. Will post it here following the success/failure of my claim!!!!!

Link to post
Share on other sites

To answer your first post:


1 - You can only claim back the charge and any interest relating directly to the charge. You can calculate this (see answer to 3)


2 - I don't know what this is, possibly a cheque in foreign currency?? a specially cleared cheque?? given the amount it is for I would not imagine it is reclaimable


3 - If you have all the information necessary for the advanced one then use that (i.e. balance at each month etc) will calculate interest they have charges on your fees

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.


Link to post
Share on other sites

Not received acknowlegement yet but called HSBC to confirm that they had receipt of my initial letter requesting repayment.


Letter received and passed to complaints team who will acknowledge this week apparently...

Link to post
Share on other sites

  • 2 weeks later...

Well, its been over 14 days now since my initial letter, I've called them and they acknowledge the claim and comment that its "being dealt with"...I've since sent them my LBA and will be compiling the relevant details ready to go to Small Claims should I not hear from them by Thursday of this coming week (cut off point for 2nd set of 14 days period!).


We'll see!!!


How far will HSBC go generally?

Link to post
Share on other sites

i think the only reason you have heard from them at all at this point is because you have called them. now is the time to let your claim do the ta lking. 14 days after your lba, file your mcol. that is when you can add on the 8%. if they run to form you may actually hear from them about the time you are filing - they will offer about 75% of what you are asking for. just use the template and send a refuse the offer saying you are proceeding with your claim. don't call them - dg solicitors will contact you asking for a breakdown of charges (which is what you've already sent them - probably twice). send it recorded delivery. they will probably then offer a similar percentage - again - you would refuse - using the template and state that you couldn't possibly settle for less than 100% and you will be continuing your claim. they will offer 100% about 28 days after they have acknowledged. Just be sure you don't halt your claim until the money is received. good luck - keep updating.

Link to post
Share on other sites

Many thanks for your reply, much appreciated!!


I was keen to call them for HSBC to realise that I'm serious, they did actually comment on the phone that they'd received so many requests for refund that they were struggling to keep up!!


I'll do as you say now, and damn right I'll proceed with action, quite happy to take them to small claims personally as I'll earn myself 8% interest ;o)


Thanks again, will keep you updated!

Link to post
Share on other sites

Good luck! Let us know how you get on! I sent off my LBA today as well, bring it on! :grin:

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

Link to post
Share on other sites

Well, very pleased to inform you all that HSBC sent a letter (received on the 14th day of my LBA waiting period), it read that they were willing to refund £460 from my claim of £515) - I phoned for an explanation as to the breakdown and they justified that some of the claims I had made had already been disputed during the 6 year period, and in some cases partly refunded already, I'm not greedy here and so quite happy with their justification.


I sent off the acceptance letter today and hope for the money to be credited to my account shortly!! It is proof that my phone calls did not negatively affect the outcome of my claim, infact if anything I believe they helped to build my relationship with HSBC and hopefully will not prompt them to request closure of my account, I very much like banking with HSBC and their online banking is most definitely one of the best systems currently available.


Thanks for the help and advice provided by users of this site! I commented in my earlier posts that I thought the 'Request for Repayments' letter could be improved (in terms of grammar and professionalism) and I'll post my version next. I feel my version sounds a little more professional by removing any informal of badly constructed sentances.


Thanks again!

Link to post
Share on other sites

My version of the 'request for repayments' letter...many thanks for the original author, I do hope that they appreciate my constructive crit, and improvements to the letter.







Interest & Penalty Charge Reclaim


Dear Sir/Madam,


In relation to my account:

ACCOUNT NUMBER: ######## SORT CODE: ##-##-##


I am writing to request that you refund to me the charges which you have levied from my account over the last 6 years. I now understand that the regime of fees which you have been applying to my account in relation to exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations.


If you wish to claim otherwise, please demonstrate this by letting me have a full breakdown of the costs you have suffered as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.


In addition, on the 5th April 2006 it was confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT, and are therefore presumed to be unlawful in the absence of specific proof to the contrary. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.


I am shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now.


I calculate that you have taken £###.##, I enclose a schedule of the charges which I am claiming with this letter I hope that you will enter into a sincere dialogue with me on this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard issue letters and leaflets.


I will allow 14 days for your response accepting, unconditionally, my request in principle and providing me with a date by which I will receive payment. If you do not respond, or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.


After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.




Yours faithfully,




Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...