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About to start claiming

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Hello all.


I've read all of the FAQs, read about the process of reclaiming the charges and read quite a few threads about individual's claims. I recently did a rough calculation of charges over the past 6 years for one of my accounts, and it came to £640, so I think it's about time I started claiming them back as well as totting up charges on my credit card and other account.


Before I start though, I have a question about parachute accounts, and am not sure whether to post it here or on the board for HSBC, from whom I'll be claiming, so apologies if it's in the wrong place!


I have a £2,000 overdraft on my HSBC student account, which is just about at the limit, and is likely to be so until I finish studying next year. Last week I opened a Halifax student account, hoping for the equivalent interest free overdraft, but I actually got just £500, meaning that I couldn't actually close the HSBC one and switch accounts, and also that if HSBC close my account, I have no back up. Any advice gratefully received.


Thank you.

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Hi cat

if your claiming against your HSBC account the best idea is to start up a thread in that forum then you'll be able to read loads of threads re them and get some answers to your questions.

I opened a parachute account in another bank but my circumstances are different then yours. perhaps someone with experience of student overdrafts can help you out in the HSBC forum or Mods/SH ?

good luck


1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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