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Pivn vs HSBC


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04 Aug - Prem letter asking for 1 year of charges (at that point I wasn't aware I could claim for 5 years or had any charges in that period)

* HSBC offered to settle my figure for charges in last year minus £60

31 Aug - Subject Access Request (for full list of charges)

* HSBC wrote again offering to settle ALL charges in last year

07 Sep - wrote to HSBC to announce intention to recover all charges

31 Oct - 2nd Prem letter (asking for 5 year's worth of charges)

- no reply from HSBC


It's been a bit muddled as I wasn't aware I could claim for 5 years also a bereavement in the family has lead to me delaying things.


Just to make sure I get things right at this point: is the next stage to send a Letter Before Action, using the spreadsheet to calculate interest charges and include these on my LBA.


Once again I appreciate all the help this site provides and will donate to the site once I have claimed back my charges, thanks.

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Cheers for the reply bottomburp.


I did not include the contractual interest in my preliminary letter. I'd rather just claim the charges and the 8% interest. I am pursuing this for my partner so do not know the contractual interest rates to be honest and I'm not sure where to find out that information.


If I send the LBA, my understanding is that I still do not include the 8% but that I do when I take the bank to court?

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  • 5 weeks later...

All the best.... here we go again...:D


When will they learn?

They are not going to get out of this.



HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link


GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE


Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.


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  • 4 weeks later...

Right, LBA was sent in December, HSBC once again failed to offer the full refund. I'm claiming £1700, they offered £1500, so I have filed a claim online with Money Claim.


Reading other threads, my understanding is that I now sit and wait and it's a small test of nerve as HSBC contact their solicitors.


I did include the paragraph: "3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent." - I now resend the list of charges again do I include the 8% interest included? Do I tell the bank that I have filed a claim or just send the charges with a cover letter?


Cheers! :)

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  • 2 weeks later...

Sorry, I've only just seen your post, if you haven't already done so, send your schedule of charges with 8% added to the bank. I just used this,


..........-v- HSBC Bank PLC

Claim No:.......

Date Issued: ............

Please find enclosed a copy of my schedule of charges relating to the above claim.

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