iwgunter Vs HSBC

[iwgunter]

Just put my claim in last night with MCOL for the following:

Charges            £1412.00
Interest @ 8%       £564.28
Court Fees          £120.00

Total              £2096.28

Can't wait to hear back from them

[livelylad]

Just put my claim in last night with MCOL for the following:

Charges            £1412.00
Interest @ 8%       £564.28
Court Fees          £120.00

Total              £2096.28

Can't wait to hear back from them

 

Best of luck. please read up on completeion of AQ's just in case.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

[iwgunter]

Received this letter. Is it just the templated one?

 

I sent this on the 25-Sept-06 with a "Please reply in 14 days", so they leave the reply for a month.

 

Thank you for your letter of 25 September 2006 requesting a refund of bank charges of £1412 going back 6 years.

 

The bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable. The contract between the bank and it's customers is governed by our Personal Banking Terms and Conditions. In respect of overdrafts, I would refer you specifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us, lead to you account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service.

 

Our fees and charges are clearly stated in our published price list and the circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been prvided with a copy when you opened your account.

 

Whilst I accept this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank's position. If you are not satisfied with the bank's response you should now refer your complaint to the Financial Ombudsman Service, as this represents our final response on this matter.

 

Yours sincerely

 

Mr Colin Langdale

Senior Service Quality Officer

HSBC Acknowledged the claim on the 25th October, so they have until the 18th Nov to do something about it.

[iwgunter]

WOOHOO!!!

 

I got a letter from DGS this morning saying they will pay all £2,096.28 I am claiming for, but...

 

They say my account is arrears, so the money will be paid into that to cover the debt.

 

Are DGS & HSBC stupid or something?!? I haven't had an account with HSBC for over 4 yrs. All my overdraft was paid up and I owe them nothing.

 

Looks like my return letter to them tomorrow is gonna have a few ammendment on it - payment by cheque only, no I will not agree to your request for my silence and does Julie Kyle really work at DGS - is she even real???

 

Anyways, looks like CAG will be getting my donation sooner rather than later