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Another disgruntled HSBC customer!


magpie1976
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Hi there!

 

Have been reading this forum with GREAT interest - was initially kind of worried about potentially suing one of the BIG FOUR as it would be just my luck to be the one hauled into court - but have taken steps to download my statements and go through the charges. Almost all of our charges are related to being hit with a fee for going over the overdraft limit - which they "kindly" capped for us - so the majority of months we were ONLY paying £72 per month extra (think it was £18 per time 2 years ago - with a maximum of four times they could charge.) This fee has now gone up to £25 per month per item!

 

More recently - which in a dim kind of way I thought - "Aw isn't that nice?" - they raised our O/D limit to stop us from being charged with this fee (which incidentally is my boyfriend's fault for keep going over all the time!) I was kind of puzzled at why they did this - as they were obviously making enough money from us - to have them offer to raise the limit to stop this happening seemed odd but I guess that they still get the O/D interest so they are not total angels!

 

I have another current account in any case, so if they do close this one, I guess I'll manage somehow!

 

Anyway - here's the thread of Magpie's progress!!

 

All the best and thanks!!

Magpie

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Hi

 

Welcome to the forum, the more people we have on board the more strength we have in our continuing fight against these unlawful charges.

 

All the best with your claim. Please keep us informed of your progress, and remember that we are all in this together. If you meet any problems, or have questions that are not answered elsewhere (and most have been), please post them to the forum.

 

 

 

 

 

 

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  • 2 months later...

Okay - I finally got around to posting my application off - HSBC have received it and I am awaiting response...

 

The only thing I am concerned about is this...the account is currently in overdraft and a direct debit is due to come out today - and so far it has not! I am now worrying that HSBC are not honouring this as they usually would (and then would charge me a fee for going over my overdraft limit) because I have sent the letter...

 

Has anyone else has this happen to them?

 

Any advice would be great!!

Thanks

Magpie

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About a year ago I queried why they honoured payments when I had gone over my overdraft and they said it was beacuse I was valued customer, I had been with them for about 6 years, I now know after reading this it was because I was "VALUED" in the amount of money they were taking from me.

 

Banks do only seem to look after themseleves,a dn I am sure they will honour the payment and then get you for it in 30 days time or so.

HSBC :Cry:

Data Protection Act sent 25/05 - statements received 06/07

First letter sent 07/07 - no response

Second letter sent 26/07 - 70% offer - refused

MCOL issued 01/09 - acknowledge 05/09.

 

First Direct :D

DPA sent 09/06 statements 22/06

First Letter sent 23/06 - settled in full 28/06

Timecard

DPA sent 04/08 statements 12/09

First Letter sent 12/09

 

Marbles :!:

DPA sent 04/08 statements 24/08

First Letter sent 25/08 - refused to pay

Second Letter sent 26/08

Egg :evil:

DPA sent 04/08 - still awaiting

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  • 4 weeks later...

Okay - just to update on my progress - the direct debit had been cancelled in error - it was not due to HSBC being underhanded so this was reassurring and perhaps may help others.

 

I did receive a reply from my preliminary approach to payment, and it advised that they are sorry I have cause to complain but that their charges are lawful as there is a "process that involves the Bank considering whether or not to pay the item. A fee is payable for this and the fees are as set out in the published price list. If "my" claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees".

 

They also sent me statements for the past year as they are "prepared to review any charges "I" feel were incorrectly applied".

 

So I assume that I go ahead now and send the "Letter Before Action" in the library, including a copy of my list of charges?

 

If someone could confirm, I would be most grateful to be reassured that their response was a pretty standard one and that others have had a similar one?

 

Thanking you all very much!

Mags xx

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i dont believe you need to send a list of all transactions, as they can see this anyway, all you need to do is put the amount in the letter add addresses and your name check it throught remove red if it doesnt apply and then send off.

 

I am 4 days in to my 1st 14 days wait with hsbc, will be intrested to see how quickly each case gets dealt with.

HSBC :Cry:

Data Protection Act sent 25/05 - statements received 06/07

First letter sent 07/07 - no response

Second letter sent 26/07 - 70% offer - refused

MCOL issued 01/09 - acknowledge 05/09.

 

First Direct :D

DPA sent 09/06 statements 22/06

First Letter sent 23/06 - settled in full 28/06

Timecard

DPA sent 04/08 statements 12/09

First Letter sent 12/09

 

Marbles :!:

DPA sent 04/08 statements 24/08

First Letter sent 25/08 - refused to pay

Second Letter sent 26/08

Egg :evil:

DPA sent 04/08 - still awaiting

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Thanks for your input - but I've just gone to template of the Letter Before Action and it states:

 

"I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]"

I never did send a copy of the transactions in my first letter, so I am just going to delete this part, but will enclose the list of fees that they have charged me.

Thanks!

Mags xx

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  • 4 weeks later...

Okay - had no luck with my letter before action - just got more leaflets and them saying that it is all above board. They also said that I hadn't enclosed a list of the charges that I would be claiming for - WHICH I DID - so I've now allowed 14 days to elapse and have just completed my Moneyclaim online. It cost me £120 to file a claim for approx. a claim for £1,515.

 

However, I'm now concerned as I did not have space to list all the charges I was claiming for or indeed attach a list to the "particulars of claim" section. Should I have done this? (Especially as the bank wrote that it didn't receive the list of charges that I was claiming for?) I did read on the Motley fool website not to worry too much about this as you are only allowed 24 lines and that "online claims are very informal" - however I am now worrying in case I should have listed every single claim and the date in this section...

 

Can anyone who has claimed already please advise? I DID read the sections extensively in any case...so please don't tell me off if it was written really obviously and I missed it! :o(

 

Many thanks

Mags xx

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no didnt need to put list it wouldnt fit they will ask for this afterwards

  • Confused 1

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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I have another account with HSBC that has just been hit with a charge of "CARD MISUSE" for £30.

I've had a few fines on this other account and was toying with filing a claim on this one also (once the joint account claim has gone through) - my question is, can I claim CARD MISUSE fine back?

Thanks and still awaiting a response from my moneyclaim...not long to go now!!

Mags

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Hi im new here this site is great i think you guys are the best, banks think they can just take what they like !

 

anyway ive just been charged £80 on the 15.08.06 for card misuse which is alot for me as im not a rich guy ! can somebody direct me to what letter i have to send as im confused and dont want to make a fool of myself by sending a letter that dosent even address my problem. thanks people i will post my outcome once the banks have replied and what-not :)

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Hurrah! Success - received a letter from the solictors saying that they will reimburse the total amount of my claim!

 

While I am VERY HAPPY at this, I've since realised that I when I completed the claim form, I understood that the total amount of the claim was the total amount of charges, and did not include the 8% interest charge in this amount...so basically they've offer to reimburse me the cost of the charges, plus the court cost as this was automatically added on the claim - but not the 8% interest...

 

Shall I just accept what they have offered, and just swallow the loss of the 8% interest...

 

Thanks Guys!! Will make a donation to the site as soon as I receive payment! Now I'm off to start on another account!! :o)

Mags

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Well done Magpie!

It's up to you if you want the 8%, if however you didn't include it in your particulars of the claim then you would need to withdraw it and re-enter it again.

Well done anyway:oops:

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How do I do this? I go to the Donate link above and it takes me to Paypal - but who do I send the donation too?

 

Also - now I've claimed for one HSBC account (joint account), can I now file a claim against my own HSBC current account, or is it now that I've filed one claim against HSBC I can't do any more?

 

THANKS!!

Mags

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  • 12 years later...

This topic was closed on 03/08/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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