Kirsty v HSBC

[kc_31]

Hi Everyone,

 

I've been reading your threads for a while and thought I'd say hello since I'm finally ready to send my SAR letters. I can't wait to get started, HSBC must owe me a fortune!!

 

Look forward to hearing from some of you.

[Kazzy77]

hi kirsty.

 

if you have internet banking you dont have to do SAR so that would cut off 40 days for you. you would only need to print off statements from your online facilities.

[kc_31]

Hi,

 

I closed my HSBC account several years ago, so can't get them online.

 

I phoned to ask for my old account number but was told that unless I could give them the security number, they wouldn't give me the account number! I set the account up 7 years ago - like I'm gonna remember that!!!

 

Kirsty.

[Kazzy77]

i cant remember the password for the online banking i set up with Barclays last week!!

 

good luck with the sar. i did this for my creditcard but this was before i found this site and i didnt give them £10 cos i didnt know i needed to...i just demanded them over the phone and they only took about a week to arrive. hopefully urs will be as quick or quicker!

 

good luck x

[kc_31]

The 40 day countdown begins!!

All 3 SAR letters sent!!

[steve_n]

HI kirsty,

 

I sent my SAR letter about 2 weeks ago, no £10 enclosed (didn't know about that at the time) and I received a 'nice' letter saying they could supply the info without sending my 6 years worth of statements (aww) guess what, I get no less than 43 envolopes worth (god knows what postie thought) after spending several hours sifting through I discover I have paid over £3,200 in charges plus interest, Prelim letter in post tomorrow asking for a refund - fully expect to get lots of fob off letters, but 'determined to win'

Steve.

[kc_31]

Wow I hope my claims are for that much!!

[kc_31]

I got all my statements from HSBC yesterday. The charges total £445. Will be sending prelim letter very soon!

[kc_31]

Hi,

 

I've got my statements from HSBC. Most of the charges are described simply as 'total charges'. I have read Maverick's thread and understand that I can claim these back but what description do I put on the spreadsheet?

 

Thanks.

[amethyst1471]

Hi,

 

I've got my statements from HSBC. Most of the charges are described simply as 'total charges'. I have read Maverick's thread and understand that I can claim these back but what description do I put on the spreadsheet?

 

Thanks.

 

Just put it down as 'Total Charges' on the spreadsheet, that will be fine (it's what I did!)

 

L

[kc_31]

Thanks for the quick reply!! I've tipped your scaled.

[kc_31]

I am typing my prelim letter (well more like a cut and paste job!) I'm not sure about the 'plus £XXX which you have charged me in overdraft interest for the sum which you have taken.' I'm sure someone has explained this somewhere but I can't find any info.

Thanks.

[steve_n]

Hi Kirsty,

The £xxx refers to the amount of interest you have paid as a direct result of being 'hit' with charges. i.e. if you have a £500 OD limit and went over by say £10 you would most likely be have a penalty of £30 applied, Balance now £540 OD, you would then be charged interest on the original £500 PLUS more interest on the £40 over your limit (YES interest on the penalty as well !!! ) you have to trawl through your statements and add all this up (there is a spreadsheet in the templates section to help) This total interest amount is the £xxx figure

 

Hope this helps -

[kc_31]

Thanks Steve, that makes sense but sounds difficult to actually work out! I'll give it a go as I'm determined to get every possible penny back!!

[steve_n]

Hi Kirsty,

 

Sorry I forgot to add a link to the templates:-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

I think it's item 6 'interest calculation spreadsheets - I used one of the Excel ones, was fairly straightforward as they have formulae includede to do the sums bit !

 

Good luck !!

 

Steve

[kc_31]

That's great thanks. I tried to tip your scales but it won't let me, says I have to spread reputation around before giving it to you again. oh well.

[kc_31]

Boy did that sound dodgy!! LOL.

[boXXer]

PMSL! what a quality reply. So is it true then? oh yeah, and good luck with your claim.

[kc_31]

At least it made you laugh!! I can't believe I didn't realise how bad that sounded when I wrote it!!

[kc_31]

What address is everyone using for HSBC on their MCOL? I'm filling mine in now but don't know which address is best to use.

 

Thanks in advance.

[steve_n]

Hi Kirsty,

 

Here's the one I used:-

 

The Head of Customer Relations,

Customer Relations Department,

HSBC plc,

Level 36,

8 Canada Square,

London E14 5HQ'

 

It worked fine, as they responded pretty quick with their acknowledgement !!!

[kc_31]

Hi Steve,

 

When was that and have they paid up yet? I've just filed against Nationwide and I'm expecting them to pay in a week or so but from what I've read HSBC are taking much longer!

[steve_n]

I filed on 15th Nov, acknowledged on 17th,

They have submitted that they intend to defend (yeah right !! )

 

They have until 14th Dec to do that, or I WIN.

 

HSBC seem to be NOTORIOUSLY SLOW

[kc_31]

Oh well, later is better than never.

[steve_n]

God - ANYTHING is better than never

 

Good luck