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Johnnymitch v HSBC


johnnymitch
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I am claiming £614 from HSBC for 'excess overdraft fees' during the period 2001-2005.

 

What would be a reasonable interest claim on this, the initial letter says "amount - plus £xxx you have charged me in overdraft interest".

 

Thanks in anticipation of a favourable reply

 

John :confused:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi John and welcome aboard.

 

Only the interest caused by the charges is reclaimable, rather than just overdraft interest in general, so we have produced spreadsheets that help you to calculate this figure but it is some way off being a precise science.

 

Generally speaking these figures would be quite low though, so you're not missing out on much if you are unable to work something out.

 

A greater amount of 'interest' will come into play if the bank do not settle before you issue a court claim, with at least 8% on each charge from the date incurred. We can talk about that at a later date if it becomes necessary.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Many thanks jonni2bad, I had a feeling it wasn't worth the hassle to calculate that interest. I've used the spreadsheet for the other stuff, so I'll stick with that. Thanks also for your offer of future help - good to know it's available from someone who has been there.

Regards John

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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hI jm have moved your posts to your bank group from Welcome.You should get some support here from other HSBC claimants and can share eachothers progress.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 4 weeks later...
hI jm have moved your posts to your bank group from Welcome.You should get some support here from other HSBC claimants and can share eachothers progress.

 

Thanks for that, Martin - just to keep you up to date I have now sent the second letter to HSBC, having received no reply at all to my first one.

I will now research the next step but it looks like claiming on-line is the best option.

 

Two points : 1 . How do I get onto the HSBC claimants helpline/forum ?

 

2. Have you any advice before my next step.

 

Grateful for any input that will smooth the path to success.

 

Regards

John :-)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 3 weeks later...

Just to let you know that I have now set the small claims court wheels in motion (online via HMCS). HSBC did not answer any of the two template letters I sent so this will hopefully concentrate their minds a bit.:)

 

The procedure seems quite easy and I can keep tabs on progress online.

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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