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Penfold12

Ok I'm ready to begin.

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Hi all,

Just a quick introduction to introduce myself and say hi to everyone.

Congratulations on a great resource for us lowly consumers to recieve information on our rights against big business!!!!

 

I came to this site from the moneysavings expert site a month or so ago and I believe I am ready to start the process of attempting to reclaim the charges HSBC have imposed on me over the past six years (Most of them while I was a "lazy"? student.)

 

My current situation is a bit tricky due to the fact I am self employed and I know I have a bad credit rating mostly due to HSBC hammering me with charges whilst I was making on/off minimum payments on a credit card of theirs they cancelled almost immediately after I left full time employment to go to uni.

 

My main worry is they will close my account but after reading many posts on this with some good advice I feel more inclined to take them on over the charges they levied on my current account now.

 

I realise the operators of this forum are busy folks and so appologise in advance for any dumb/repeat questions I may ask in the future.

I have speant some time reading sections of this forum so I hope this will not happen :-)

 

Dave.

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Hi and welcome to the forum. Don't worry about your account being closed, just open a new account just in case.

Some of this info you will already know, so I apologise if you have already seen some of it.

The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way.

Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators and helpers really are a very helpful bunch..

You must always remember that this MAY lead to court, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off.

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

I have put some useful links onto the thread that you can refer to when needed.

Oh, and if they are useful please click on my scales at the bottom. This just shows that I have been a good boy!!

Good luck. See you at the other end……

FAQ’s

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

Letter Templates

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Interest Spreadsheet

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Court N1 form

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

Court Bundle

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

Bank Contact Details

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html

  • Haha 1

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My main worry is they will close my account but after reading many posts on this with some good advice I feel more inclined to take them on over the charges they levied on my current account now.

 

 

If you are worried about them closing your account or removing your overdraft facility, then i would open a parachute account just in case.

 

Uk


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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Hello to all.

I have just joined ,and am reading through all the information in order to get started.

bye for now.:confused:

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In regards to opening a parachute account I am slightly limited on my available proof of I.D, I only have my birth certificate basically (no drivers license due to my naff eyesight, and no passport since I have never crossed an ocean)

Work is a tad slow atm with everyone having financial christmas hangovers but as soon as it picks up I guess I'll have to invest in a passport.lol.

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Hi Penfold

 

You maybe able to use a Utility bill, phone bill etc to open your account.

 

Uk


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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