Recorded delivery problems?

[cadencealex]

Hi ALL

 

Newbie here!

 

Since December 2005, HSBC have taken £797.00 off me in bank charges AND £44.61 in interest.

 

The total is: £841.61

 

Do I claim for all of this? Or do I forget about the interest?

 

Many Thanks

 

Caroline

[cadencealex]

the links given for the spreadsheets wont open.. can somebody please help?

[cadencealex]

Hi

 

I have gone into both mine and my husbands accounts up to 2000 and can print all my bank statements off online - shame I ran out of ink though!!

 

Aren't these good enough to send?

 

They are good enough for the Inland Revenue.

[Bookworm]

Because most banks do not go back 6 years.

[cadencealex]

I posted this in the HSBC section - they DO go back 6 years.

 

I just wanted people to be aware of this.

[Guest bong]

hi caroline, you can only claim back the interest that resulted from the charges, the spreadsheet works it out for you.

[Dani]

Some people might have closed their accounts and not remember their log in details so that's probably a reason why too.

[cadencealex]

Hi

 

I have printed off all statements and done a handwritten breakdown - I am terrible with the spreadsheets - and I have also written the letter needed.

 

Can I send the letter telling them the amount WITHOUT the breakdown or do I send that too?

 

And I am a little concerned - we have 6 bank accounts with the HSBC... 4 of which are business accounts - plus our mortgage/life insurance and pretty much everything else... should I be doing this? I know it is only OUR money but I think this is gonna rock the boat big time!!

[hagenuk]

Hello

 

Send the breakdown too, you will be asked for it at some point in any case.

 

It may rock the boat and only you know if you want to do this, but it is your money and you are entitled to it back. Mortgage and life insurance will be under separate contracts so should not be affected, however any overdrafts and/or business loans may be affected if HSBC decided to get petty, but this is unlikely in my experience.

[cadencealex]

Right!

 

Have sent off LBA and a copy of the spreadsheet requesting £1658 back - sent it recorded to Canada Square.. this is for one business

 

.. am sick though! I put 2005 instead of 2006 on this years accounts... DOH!!

 

Do u reckon they will dispute this??

 

Have photocopied the letters though!

[stephenfletcher]

I doubt it will be a problem. They are likely to either not respond to your LBA, respond with a standard 'go away, our charges are fair' response or make you an offer.

If it's either of the first two, have your spreadsheet corrected for the next stage. If it's the third option, if the offers acceptable no problem, if it's not then get your spreadsheet correct for the next stage.

[cadencealex]

... you miss out the bit about manual intervention?

[Michael Browne]

If you have your statements, you don't need to send a DPA SAR. MI cofirmation is not critical.

[cadencealex]

If you have your statements, you don't need to send a Data Protection Act S.A.R - (Subject Access Request). MI cofirmation is not critical.

 

Thanks!

 

I have my online statements and have sent two claims in today - one for my personal account and one for my husbands business account. I have two more accounts with HSBC that I am going to claim for but that will be in the next few days now... all the data entry is making my eyes water

[cadencealex]

Some people are getting their money quicker than others - I wonder, does it matter how long you have banked with them... how you have handled your account and whether you have savings with them or other accounts?

 

Do these factors influence their decisions, do you think?

[nathal]

I really dont know what influences the banks payout timescale

[shazbaz]

hl how come?when i tried to get my statements on line,didnt go back very far.

do you have to order them online?

thankx neewbie:)

[Guest bong]

no you don't need to order them they are available to view online. log in, go to your account and click on my statements. it brings up a list of the current year in month order, and at the bottom there is an arrow to click on for the next earlier set and so on.

[Javey]

Thanks for the info cadencealex:) .

 

I will print out my statements but I've decided to also send an S.A.R. to HSBC as well. That may sound a bit daft but for me the main reasons are:

 

It's a sort of 'belt and braces' approach, covering every angle.

 

I'm keen to follow the procedure to get back these charges to the letter, I don't want to find that I've made an accounting or clerical mistake along the way.

 

And lastly by requesting the statements I'll have given myself a bit more time to study the law and the procedure to work out and make my claim.

 

Plus, by the time I've used all that paper and ink in my printer- I'll probably have spent the £10 I'd have sent to the HSBC anyway!

 

 

Thanks once again, and good luck with your claim.

[Spiceskull]

Online statements are good if a) you have access to online banking facilities and b) if you only want to get the figures for calculation.

 

Making a S.A.R - (Subject Access Request) under the Data Protection Act entitles you to so much more information, such as notes and evidence of manual intervention.

 

That aside, in the main the banks realise what is happening, and generally they are refunding the £10, and providing the requested information as 'a gesture of goodwill.'

[jamesprior3005]

I dont think there is any specific way in how the banks deal with people, but take it on board that i recieved a very decent offer, first time, by using the CAG Labels that you can buy on this site.

[shazbaz]

Hi I've Tried To View Statements Online But It Only Goes Back To March 2006.

[Guest bong]

are you sure you're not clicking on 'my transactions' instead of 'my statements'?

[shazbaz]

No I Am Clicking Statement But They Only Go Back To March This Year

There Is No Option For my Transactions maybe It's Different For Each Bank,mine Is abbey.

[Guest bong]

thats it then. this thread was about HSBC.