Funny what you find when you look......

[raggyanna]

Looking around the site got me thinking....so, I have been through my statements since 2002..when I swapped to HSBC.

Anyway, the amount in bank charges is roughly 1300 pounds, it's more than that but didn't get all accurate, was only 'persusing'.

Am thinking that I should follow the advise offered on here and give it a go.

Seems scarey though.....always felt/thought that banks were in the right :-|

[dbeaker]

Thats what they want you to think!

They have mugged you, got your purse and are scampering down the road with it.

 

GO AND CHASE AFTER THEM.

 

They may be bigger than you but what have you got to lose:)

[raggyanna]

Thanks for that!

Right, have calculated all the charges £1,473.00

Interest

£222.44

Total

£1,695.44

Have done the prelim letter thingy as I have all my statements so will cut to the chase!

I will print and post it tomorrow

[hsbcclaimer]

I thought it wasn't advised to send any mention of the 'Interest' in your Prelim letter? Unless you can obviously prove that the interest charges are only due to the 'Total Charges' applied putting you over the allowed limits?

[jonni2bad]

It depends what the 'interest' above applies to.

 

If it is for overdraft interest caused by the charges then it should be included. If it is for the 8% interest on each charge from the date of occurrence, then no.

[raggyanna]

I haven't included the interest (in the prelim letter thingy), only the actual charges.

I did find that in one month alone I paid over two hundred pounds for charges/ full charges etc.

I put the total in for no reason other than I used the database d/loaded from here to add it up correctly. The interest was just the by product:rolleyes:

Letter done, will post it shortly. Wish me luck, and the best of luck to those already started.

[TaylorMade]

I did find that in one month alone I paid over two hundred pounds for charges/ full charges etc.

 

Yep! Nasty, aren't they

 

Go get them and see what you can get back. I love the quote in your signature, but THEY are not dragons (dinosaurs maybe )

 

Since you asked for it..... Good Luck

[raggyanna]

TaylorMade.....why, thankyou!!

[dbeaker]

Mine was the same, taking £200+ in some months from both accounts so could of been £400 poorer, usually by some phenomenem between christmas and the new year.

I,ll be ready for the party season this year!

[hsbcclaimer]

I don't quite understand how you guys could acrew £200 in a single month?? My claim is for bank charges related to being just over my overdraft, hence my small claim - I'm almost starting to feel sorry for the banks judging by some of the claims, lets face it bouncing DD, bouncing Cheques etc are going to cause them issues and some manual intervention?

 

Don't start flaming, I'm simply asking how on EARTH these sort of penalties could happen without the owner of the account perhaps being a little reckless??

[jb79]

I was down right reckless and even piled my charges into a single day when I was a student.

 

They played a game and so did I, however I am exhonerated because if it were not for the unlawful charges being levied I would not have had to do what I did to limit them or for that matter would I have been in debt in the first place.