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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Sexy_Em vs HSBC


Sexy_Em
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I've had my bank account with HSBC for almost 5 years, and in that time I'm guessing that theres quite a few unfair charges I can claim back.

 

However, last year I had a fraud problem, and they shut down my account and opened a whole new one.

 

Will I be able to claim back charges on this old account?!

 

Also, because of my poor credit rating, they refused to give me a cheque book with this new account, so if I write to them asking for a list of all my charges...how do I pay the £10 fee?!?!

 

thanks

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OK!

Lets do this!

I am about to send off my SAR to HSBC. Have found read loads of FAQ's etc, and found the canada sqr address which seems to be the most popular on here.

Have followed stephenfletcher's advice, and if it works i will be ever grateful!

I am going to obtain charges info for my current account, and an account closed last yr (for fraud). Also, as HSBC refuse to give me a cheque book, I have modified the standard SAR letter to include the following "I am aware that there is a statutory maximum fee of £10; however I have no cheque book with my HSBC account. Please inform me how you wish this fee to be paid."

As I say, stephenfletcher, if it works then thank you very much!!!

From what I have read so far on this forum, it isnt luck I need, only determination. And I have plenty!!

Here's to getting back what it rightfully mine!!!

Sexy_Em

xox

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Hey hun!! Thanks very much for ya support!! good to know there are so many people around me backing me up :D

 

Couple of questions already...

 

1. How long did they take to reply to your SAR?

2. Did they send you details of charges, or just statements?

3. What is N1?

 

thanks!

 

x

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Hi Sexy Em

 

It took approx 2 weeks for all my statments to come through they waived the £10 charge for my S.A.R - (Subject Access Request). You will have a happy afternoon with a higlighter pen as they do not send a breakdown of charges took nearly 4 hours for me and my partner to work through our statments and It is a real eye opener. You don't need to worry about the N1 yet this is the form required if you are filling via the small claims court and actually attending the court in person to issue the claim I did mine on line via MCOL (money claim online)

 

2 weeks isnt too bad, bummer about having to go thru it all ourselves!! lol. I'm beginning to think 'what am I letting myself in for' lol. I dont think its going to be a great deal of money to be honest, but every little helps, and I just hope it will all be worth it!!

 

Will send it off today. Am not going to put any thing in it, and leave it with the 'how do u wish the charge to be paid' bit in. If i havent heard anythin in 2 weeks time, I will send again with the £10 p/o.

 

I do have internet banking, its just that my closed account is no longer on there. If I'm asking for one, I may as well ask for both!!

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Hi Sexy Em

 

I didn't think that it was going to be alot either and £2000 later just on my account I was glad I went through it. last year alone HSBC charged me just shy of £1500 - it is worth it trust me look at al the people who have won their charges back so far!

 

flippin heck!! :o

 

They def havent charged me that much, I wud hav known about it (only earn £12000 a yr!) but even a couple of hundred is a couple of hundred too much!!

 

SAR has been sent recorded delivery...will check the internet tomorrow to see if they hav received it...and then the 40 day timer starts its countdown!

 

wooohooo!!

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My SAR was signed for on Friday. Will I receive aknowledgement from them, or will they just send my statements? also, if they just send statements then how will I know about manual intervention? will this matter?!

 

x

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  • 2 weeks later...

Finally received a letter from HSBC today confirming that they had received my SAR, and that they will be waiving the charge for it. They also included the paragraph

 

"Althogh most of our systems are automated, a "manual intervention" by HSBC staff maybe required in a variety of situations including; account opening, dealing with correspondence or telephone calls, when deposits or withdrawls are made over the counter at our branches and from time to time during account administration."

 

But I hear thats common standard. What does it actually mean tho?! Jus tryin to cover their asses?!

 

Well, should receive statememnts in next couple of says...but apparently they are going to come in lots of small packages! the freaks!

xox

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They werent lying about the lots of small packages thing! I had 20 letters in the post this morning from HSBC! Poor Post lady lol. They must have sent all of my statements 1 or 2 months at a time!!

 

What a waste of paper...and postage! they can only afford to do it like that because of over charging customers GRRR!!

 

Looking forward to going through them all tonight with a pink highlighter!!

 

wooo!

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oooooh,

 

I've just remembered that I dont have a 'parachute account' (think its called that)

 

I have quite poor credit rating (damn u HSBC!) and have recently been rejected for a smile account.

 

Can anybody make any suggestions please?!

 

Thanks

 

xox

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  • 2 weeks later...

Right. Confirmation from NatWest this mornin that I def hav an account set up. Bingo!!

 

My original letter saying I would get my statements was from Ian Shepherd, Centre Manager from Coventry...should I address my prelim letter to him?!

 

excited!!!

 

x

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  • 2 weeks later...

Thanks for that Steve. I was gettin myself all panicked for no reason lol.

 

I have written my LBA, and hav written a paragraph about how they owe me an extra £75 since the original letter, meanin they now owe me £371. excellent!

 

Off to PO now!!

 

x

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  • 2 weeks later...

I'm in a bit of a pickle. I never managed to get my LBA to the post office last Monday because I was in a bad car accident on the way. Rubbish!

 

I managed to get it sent recorded delivery last Thursday, which already meant I was behind schedule. However, this has not yet been received!

 

The 14 days given in my LBA finishes next Monday (18th Dec).

 

So what do I do?!

 

Write them another letter giving them an extra 14 days, or write to them telling them have 14 days from a back date?!

 

oh god Im so pickled!!

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Are you ok?

 

I'm alright thanks :)

I actually drove into a skip that had no lights on it (it was dark lol) so this isnt my only claim atm!! lol. Im just bruised and whiplashed! :rolleyes:

 

 

 

If your LBA 14 day deadline finishes next Monday the next setp is to issue your MCOL

 

can I do that even though they havent received my lba?!

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looks like its jus me and u steve lol.

 

i will resend it and re-give the 14 days (but explain to them that I have done so so they think im being nice lol)

 

after all, I could do withthe 14 days ending after xmas anyway, with the mcol being £100 or so!!!

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how are you gettin on with your claim now? I couldnt find a thread for you?!

 

Letter was finally received by HSBC yesterday. so roll on 4th Jan!!

 

hope I dont have to exclude bank holidays from my 2 weeks!!

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Well done on finishing your claim!!

Cant wait til i get to that point!

 

The 14 days includes weekends doesnt it? Oh never mind, I'll worry about that when I get there, hopefully I wont lol.

 

Merry Christmas Steve!!

 

Em

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God, I'm confused. I think HSBC are trying to pull some delaying tactics with me....

 

Received the following in the post this morning from a different person that I received my original letter from!:

 

"Dear Sexy_Em

 

Thank you for your letter dated 16th November 2006 concerning your request for a refund of bank charges. I apologise for not yet having fully completed my investigation.

 

I will contact you again by 15th January 2007 and expect to be able to provide you with a full response at that time.

 

In the meantime, I would like to thank you for your patience and enclose a copy of our leaflet which explains how these matters are dealt with. If you need to contact us, please quote the above reference number.

 

 

 

Colin Langdale"

 

 

Now my prelim was sent 16th Nov, received on 20th, and so this reply should have come thru before 4th Dec - but is dated 27th dec.

 

LBA sent of 4th Nov, but never received and so re sent on 15th dec and received on 22nd. These were both sent to Ian Shepherd - who sent me the original letter with my statements.

 

should I send this colin bloke a letter explaining that I have already sent 2 letters, and that I require a response by 4th Jan? (well, 7th Jan allowing 3 days for BH's?!)

 

?????????????!!!!!????????????????????

 

I think yes. the more people I can get involved, investigating, and annoyed (lol) the better.

 

wat u think?!

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