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####### Me...v...hsbc ######


Ian Appleby
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Hi everyone,well what a great site this is i'm glad i found it.Well i'm going to start back from friday 1 December.I got up around 7 am picked up my post (more charges),and was getting ready to start my day (I am a self employed grounds man)trying to run a business with no overdraft.I watched a peice on gmtv on how you can claim back bank charges,after a quik search on the net,i found this site.I have been reading the threads and info,been finding hard to take it all in (so much to think about).I am going to send my prelimenery letter tomorrow.I have 2 accounts with HSBC,business and personal,i found it a bit hard to work out the difference between the Charges and Total charges on my statement.I phoned HSBC and was told that all the charges applied were in the (Total Charges),NOT TRUE.Charges are reversals of dd so etc,and Total Charges are for going over your overdraft limit.Maybe HSBC are willing to say anything these days(they must be worried )http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html.I feel like one of the late one's to take this action and have heard it is getting a bit harder.I am also a bit concerned about having a managed loan on both accounts,but if i get the money back it will almost cover it.I have worked out on my personal account i am owed Total charges £896.56. and Charges £1.436.00 making a total of £2332.56.My business account Total charges £444.93 and Charges £486.00 with a total of £930.93.This brings my complete claim to £3.263.49.I understand i need to send different letters for business and personal account.So this is where i'm starting and will be posting every step of the way (wish me luck) and thank you CAG for all the template letters would of been lost without them.HSBC here i come grrrrrr!.

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Hi Ian,

 

Just one quick point, it would be best to treat your claims seperately, not add them together (in case you were thinking that way)

 

Looks like your on the right road, read as much in here as you can, and ask anything your unsure of, and your soon be advising others that are then following your trail.

 

Remember to carefully log everything you write and do, and keep your thread updated as a diary and so that others can follow and help as req'd

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Steve,thanks for the kind advice.I have managed to get my statements online,i was going to highlight the charges,and send with prelim letter.Would that do as my schedule of charges,and do i still need to apply via data protection act for the charges?,or will the statements that i have do?.I will send one letter per account,i hope that is correct.

Regards Ian

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Well i've been checking out the spreadsheet,but because HSBC also use the term Total charges (exceeding od limit).I am not sure what to put in the description of spreadsheet,should i put just total charges or exceeding overdraft limit?.A lot of people dont know and have'nt been able to give much advice on this term (total charges).I could easily of gone wrong and just added up the total charges,just like some nice lady told me to do from HSBC.If your about to work out your charges and are new like me,(charges) and (total charges) are two separate charges.I think it needs to be made more clear to new users,HSBC users for sure.Be grateful for a bit of advice on the spreadsheet as to regards this matter.

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Hi, Ian, and welcome. You're already two steps down the road to getting your money back!

Not sure why I'm prowling through the HSBC forum but I am, so there you are.

Anyway.

Are your charges not itemised on your statements? If they are, then put them on your spreadsheets as described. If not then I have to defer to someone who's actually had a statement from HSBC. I left them while they were still the Midland.....

It is important to itemise them or the solicitors may come back and say something along the lines of 'we can't defend ourselves against something we can't define'.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi westy,I've been getting statements online.If i click on (charges) it's got the item e.g (reversal of so/dd) etc,but if i click on (total charges) the item is called total charges with no more info.From reading the statement and charges link,i have found out that (total charges) are for going over your overdraft limit.On my spreadsheet under description of charge i have been putting (overdraft charge) not just (total charges).Someone please give a bit of advice on this one.My oppinion is that the data (i am) supplied with from them,should be good enough for (themselves).

Regards all, Ian

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(Well).

The pain of it is you will have to itemise everything on the spreadsheets you submit with your claim - individual descriptions.

What you can't claim for is regular premium account charge, if you have one. I had an Advantage Gold with NatWest, which cost me £9, then £10 and recently £12 per month. That is contracted and isn't reclaimable.

What eased the irritation with me was I was able to transfer my more recent statements to Excel, then it was quite easy to go through everything. All I had to do was separate out multiple charges - three, four or five in one day - into single items and their description.

Not sure I entirely understand "(total charges) are for going over your overdraft limit": I though the charges would arise BECAUSE you'd exceeded your limit.

The data you've been supplied with by them should be good enough for them but it may not be good enough in Court or on the way, through the process of claiming.

I've just turned into a fortune-teller: I see...I see...I see Ian painstakingly listing all the individual items and theiri descriptions onto a spreadsheet.But it will then look great, very clear and they won't be able to claim they don't understand what you're claiming for, you haven't listed everything properly, or any of the other nonsense.

Did you have anything else planned?;)

Come back if my suggestions are inadequate.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Hi Westy,i think i need to speak to someone that has claimed,who are with HSBC.I need to find out how they itemised total charges from the statement.I had a look at the link at top of page about total charges,and it says that it is for going over my overdraft limit,which what i ment in my last post sorry.Maybe i should get my statements via data protection act, will i get more info.Maybe it doesnt itemise total charges online.Stuck at the mo,busy in work aswell,and cant put the time that i need to into this.(getting frustrated)~)

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AOK. If I can help once you're beyond the mysteries of HSBC's statements, let me know.

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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