flapper vs hsbc ***WON***

[Flapper]

Hi all - my first post so bear with me

 

just about to embark on a hsbc claim and decided to have a back up bank account just in case they asked me to close and been refused to what i now find out is a load of errors on my credit reference (ill be searching for that later)

 

just wanted to ask a couple of questions

 

1 - i see 6 years mentioned a lot is that the limit ? i have been with hsbc now for 21 years and they have screwed me every month

 

2 - i am currently looking at the list of claimable charges thats been posted prior to my request (ty for the letter btw) just wondered if there's any pitfalls i need to be aware of first ?? or do i simply list all the charges ?

 

 

PS- i'm back in the black now and confess to being no angel in the past but my account for 10yrs or more has averaged charges of at least £150 a month so gotta be worth a look ya reckon?

[nettyg]

Hi all - my first post so bear with me

 

just about to embark on a hsbc claim and decided to have a back up bank account just in case they asked me to close and been refused to what i now find out is a load of errors on my credit reference (ill be searching for that later)

 

just wanted to ask a couple of questions

 

1 - i see 6 years mentioned a lot is that the limit ? i have been with hsbc now for 21 years and they have screwed me every month

 

2 - i am currently looking at the list of claimable charges thats been posted prior to my request (ty for the letter btw) just wondered if there's any pitfalls i need to be aware of first ?? or do i simply list all the charges ?

 

 

PS- i'm back in the black now and confess to being no angel in the past but my account for 10yrs or more has averaged charges of at least £150 a month so gotta be worth a look ya reckon?

 

Hi Flapper - welcome

 

I'm quite new to all this too but i'm almost sure that you can only claim charges for the past 6 years. Have you got all 6 years statements showing the charges yet or have you got to send for them??

 

Also, your charges sound as high as mine so you have to be careful with the amounts going over the limit for the small claims court which i believe is 5k and below. If i'm wrong there i'm sure one of the site helpers will put us right!!

 

Anyway keep me posted

 

Netty

[beresd]

Hi there, I am new too and still feeling my way around, but what Netty said is correct, 6 years is what you can ask for, some and 5 grand is the max you can claim under the small claims court, some people on here are claiming for longer periods and more money, but it is a different process, look at the 13 year thread just below this one.

[Flapper]

cheers for that - i've not sent off for them yet due to waiting to sort a credit check error so i can get a back up account (i hear they ask you to leave after)

 

anyone know if it does go further back and/or its over 5k what teh best thing is to do ? looking at my most recent offendign statements this could be over 10k even if it is 6yrs limit

 

*edit* ahh i get ya - im off to read up - thanks

[beresd]

cheers for that - i've not sent off for them yet due to waiting to sort a credit check error so i can get a back up account (i hear they ask you to leave after)

 

anyone know if it does go further back and/or its over 5k what teh best thing is to do ? looking at my most recent offendign statements this could be over 10k even if it is 6yrs limit

 

*edit* ahh i get ya - im off to read up - thanks

 

I havn't set up a parachute account yet, in part as the FSA have deemed this practice as 'discriminatory' and frown upon it thoroughly, hopefully it wont come back to bite me!

[steve_n]

Hi peeps,

 

Firstly welcome to to you all !!

 

Ok, yes 6 years is the maximum you can claim backwards !!and you count back from the date of your claim submission.

 

The maximum you can claim easily through teh 'small claim court' process is £5k - this does not preclude you claiming a higher amount but the process is slightly diferent and the cost of making the claim ewill be higher (although you can add this to the total claim)

 

Why do you think that opening a 'parachute' account is deemed as 'dicriminatory' - against who ??? you or the bank ??

 

There is nothing (subject to your personal status) from opening another bank account and for arguments transferring your salary payment to that account, nothing whatsoever !!!!!

 

It is IMPORTANT that you all read the FAQ's in here and also the info for new comers !!!! also read as much info as you can in other threads, you will glean a lot of helpful information athat will pu tyou in good stead as your claim progress's

 

Do come back to your thread and keep it updated, it allows others to help and advise as req'd and acts as a diary for you to keep a track of your own claim.

 

Don't start another thread on your claim, it makes a lot of wwork for the moderators who try and merge threads for the same members

 

Above all - GOOD LUCK !!!!

Steve

[lateralus]

i was looking for this thread for you, finally found it: Do you have charges going back more than 6 years? (1 2 3 4 5 ... Last Page)

[steve_n]

Hey lattie, your a 'star' as always - (that's why you are growing those little green sq's !!!

[Flapper]

***cheers for the link lateralus***

 

still no parachute account as refusal on grounds of credit report failure

 

turns out my credit check reveals a 7yr old county court judgement that i know nothing about and is listed for an address i have never lived at ?? but seems theres a few more listed lower down as linked addresses that tie it all in

 

local courts have deemed the information as an error on their behalf ? and have passed it for a review by a judge

anyone else having a bad day ???

 

all i can say is - look out hsbc i'm just on the mood now to take on any establishment - looks like my credit card has been charged with an insurance from day one i have never asked for and always refused by phone every week for 3 months @ the start of owning and my other card has charged me twice for making a payment 3 hours late ??

 

 

anyone else having a bad day :evil::evil:

[nettyg]

hi flapper

try natwest step up account - takes 10 minutes online to apply and i don't know of anyone who's been refused yet!!

[Flapper]

cheers nettyG

 

i've added a green spot for ya :grin: ty

 

as for all above also - much appreciated

 

letters printed and in the post tomorrow - just note it seems that natwest account application is only available in certain hours - but sod it - letters going in anyway

 

hope to be adding to the success claims thread one day 8)

[nettyg]

won't be that far away, just keep the faith and determination and all will be well

thanks for tipping my scales!!

netty

[Flapper]

won't be that far away, just keep the faith and determination and all will be well

thanks for tipping my scales!!

netty

 

found a possible quicker way for online bankers

 

managed to somehow convince the online system to show me every statement since feb 2001 albeit page by page and as im an insomniac i've just printed/noted all of them to a spreadsheet and even left a nice online message requesting my £2300 back (i used an edited form of the Prelim letter ) step by step guide here

 

hopefully will save time on the first request letter and be a bit more prominent on their sooper system - time will tell

 

PS- i know a halifax user (gave me the online idea) had his sorted within 2 weeks? :o

 

fingers crossed im off to bed its 2 am and dreaming of step 3

[Flapper]

found a possible quicker way for online bankers to gain info:razz:

 

after posting my letter of request the most efficent way i decided to copy it across to the online system to see what reply i could get ?

 

I got a reply today in the messages section

 

Dear Mr *****

 

Thank you for your e-message dated 1 February 2007.

 

Whilst I do appreciate your comments regarding this matter, please be advised that should you intend to make a claim for any refund, you are required to specify your claims including the amount, dates, description of charges (as appears on the statement) and total claim of the charges that have been applied to your account as the bank cannot quantify or prepare your claims.

 

Please note that you can view charges applied to your account and other transactions via historic statements option on the Personal Internet Banking (PIB).

 

I confirm that you can view all transactions on the last statement plus any made since, with the most recent first, up to 90.

 

Currently you can view historic statements which includes charges up to six years old. You can do so by the following the instructions below:

 

1. From 'My Accounts', select the account for which you wish to view your statement.

 

2. Next, click on the 'My Statements' icon located on the left-hand navigation panel.

 

3. Select the statement you wish to view.

 

The screen will display the first 100 transactions and charges. You can scroll the list to view more transactions from the selected statement. You can sort the transactions from My Accounts in the following way:

 

o Date (ascending/descending)

o Type (alphabetical)

o Description (alphabetical)

o Amount paid in/out (descending)

 

You can click on the twistie next to the required column heading. The running balance will not show on any sort option other than date.

 

However, should you require copy statements, kindly confirm via this e-messaging system and I will order the statements for you accordingly.

 

Meanwhile, I trust this clarifies matters.

 

Yours sincerely

 

***** ******

Manager Customer Credit Services

 

anyone online banking can save post/delay time looking at the statements themselves online :smile:now being keen as we all are i had already been through them and applied all the info by letter to my local branch as per the guide - but was interesting to see what reply the message system would cultivate

[lateralus]

i assume you get the drift - you need to put all those charges into a spreadsheet or at least a list format and then submit - this is all in the step by step instructions which i'm sure you've seen. i appreciate you are trying to do things your own way and in your own time but i'd tell anyone else reading this that we were already aware of getting your charges on-line but you must put them into a list format to send to the bank to request them to be refunded. some have tried sending the statements themselves - just put it all into the spreadsheet as per the instructions, it will save you time in the long run. also, it is worth noting that e-mail is not considered appropriate when dealing with the courts and as the early steps may become part of your claim later on - it is advisable to send all letters to the bank by recorded delivery, keeping copies for future reference.

again, flapper, no disrespect intended at all. by all means do things any way you want to do them - but as this is an open forum and newbies are always reading everything on here - i'd hate anyone to think this was the CAG approved way of doing your charges - it is not.

good luck and to newbies - read this: Newcomer? Here's A User Guide

[Flapper]

no probs my man - i simply wanted to point out an easier way to gain the basics of the statement info needed a quicker way i am indeed following the guide as we all should really and have edited the above to point out i am

 

note to others

 

i have already sent my initial letter and indeed recieved my statements by post and after adding my charges up on the spreadsheet i have sent them with the request letter to the proper channels as per the excellent guide

 

the above is simply a quick way of gaining the info to start your quest

[nettyg]

i'd add to that by saying... why do it yourself? let them do it for you, they rarely charge the £10 fee and by the time you receive them you have had plenty of time to read up on the process of getting the charges back.

it's not so rushed unless you've done all the homework beforehand.

netty x

[Flapper]

applied to NatWest for the parachute account and got my signature forms through today too - cheers again for that nettyg

[nettyg]

you're welcome... it's only a basic account but kinda makes sure you won't get in the same situ again init haha

[lateralus]

and that's all fine, flapper - just you know - if we'd left it at that - some newbie would say in about a month - i did it that way and whoa.........

how come i ain't got no money, yet?

[Flapper]

*update*

 

having sent my initial request letter (registered) in 16 days ago to both the standard complaints route and a copy hand delivered to my bank manager (signed for) (same bank we hold 4 business accounts with) i have heard NOWT yet - booooooooooooo

 

looks like a repeat copy is to be sent - ill keep ya posted

 

i did however get my para account open now though thanks to nettyg so looks like at least ill have a home for the cash to go into :)

 

but on the flip side my CCJ from DVLA for £150 has been removed as after a lot of complaining a local judge has reviewed the judgement and i have been given a notice of allocation to the small claims track (hearing) looks like i FINALLY get my say and get my evidence seen as it was supposed to be

 

look out HSBC im on a roll

[nettyg]

you go girl!!!

[Flapper]

well time limit has just passed for my date to start court claims and WWHOA !!!

 

letter drops on doorstep this morning with offer of refund in full minus interest that if accepted will be paid within 7 days

 

part of me is saying go for the whole lot but as i'm currently laid up in hospital with tests for a brain tumour me and the wife have decided for the sake of £300 or so that i'm taking it so she has some cash in hand while im off work

 

thank heaven for small mercies at last

 

thanks for the help guys - mines a result albeit a partial one but for me its perfect timing

 

**£1984.00 offer recieved within 4 weeks and accepted without having to start court proceedings **

 

 

could admin edit my title ??

[lateralus]

AN EXCELLENT RESULT - AND THE RIGHT DECISION!!!!

How much money would you have gotten back if you hadn't done this? :NONE. I class that as a very, very 1984 reasons very good result!

 

I'll get someone to change your title - you just get that acceptance letter back in and concentrate on getting better ASAP.

All my very warmest thoughts are with you. Take care and feel better soon. I'd have done (or advised) the exact same thing!

 

CONGRATULATIONS ON YOUR WIN

take care, flapper.

[MARTIN3030]

Nice work.

Title ammended;)