Bank Charges - How Do I Pursue

[jb1985]

Hi,

 

Hope someone can help here?

 

My background is simple. I am on a DMP with Payplan repaying £44k of debt. £2900 relates to HSBC debt which is now been sold on to Metropolitan Collection Services. The original debt was near £4k

 

In 2009 I wrote to HSBC asking for a refund of bank charges. Between 03/04/08 and 06/03/09 they charged me a total 0f £650 in bank charges. I was going through severe financial difficulty. My wife fell pregnant and with complications couldnt work, then fell quickly pregnant again and could claim any maternity allowance. I racked up these charges and a large overdraft with HSBC which was rolled up into a managed loan. Interest was 16.9%! But i was desperate so went with it. Some time later (2011) i entered my DMP and now pay the agency through paypln.

 

Whilst clearing out some old paperwork, I stumbled across a letter detailing the charges and that HSBC wouldnt pursue this further. THis was dated 19th June 2009. At the time I didnt pursue it any further because of all my other debt issues.

 

I am now wanting to take this up - I have succesful PPI claims across a number of my debts which is reducing the outstanding debt balance significantly (approx £5k to come off!) - With interst the £650 would be around £900 - a third of my outstanding balance.

 

I cant find anything anywhere on how to pursue this further - its clear i was in financial hardship but at the time they didnt want to listen.

 

Can someone please please please help? If needed i can upload the letter

 

Edit - would the money be paid to me as the accounts close and with an agency if succesful?

[rdm2006]

Metropolitan ARE HSBC, just another desk across the room so to speak.

 

claiming charges is pretty much on hold at the mo. altho some have had success with RBS link here

[Old Cogger]

What ever you do keep copies of all letters on this subject for possible later use against HSBC, do not loose them and any correspondence send Registered Delivery and attach the signed receipt- high lighting the date and Recorded Delivery Number & siggy for later use as most receipts fade in time,/

.