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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Letter Sent

markdraper66

By markdraper66
in HSBC Bank

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markdraper66

markdraper66

Posted
Posted

Hi

 

Just to say I sent my letter requesting Statements on 28th April.

 

So we will have to see what happens, but I have got the ball rolling as they say.

 

I only stumbled across this site last week, it's worth a go to try and get MY money back.

 

I may need some advice, but I know you lot will help me :D

 

Cheers Mark

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jonni2bad

jonni2bad

Posted
Posted

We certainly will.

 

Make sure you use the time waiting for statements by keeping up to date with all the FAQs and forum posts.

 

Good luck

..

.

 

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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Janet-M

Janet-M

Posted
Posted

Welcome Mark and glad you have taken the first step.

Please keep us informed as to your progress .People will offer help along the way but please read the FAQ's and around the forum before posting any questions as you will find most have been already answered elsewhere.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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markdraper66

markdraper66

Posted
  • Author
Posted

I am sorry if this has been asked before, but wasn't sure if I found the answer in the FAQ's.

 

Can I claim the overdrawn charges that they put in place, every month, they charge me £25 a month.

 

If this irrelvant, please delete this post.

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Neo

Neo

Posted
Posted

From the sounds of it the £25 is because you are over your overdraft limit? If that is the case then yes you can.

 

If the £25 is a fee for providing with you with an authorised overdraft (I doubt from the amount it is) then no you can't.

 

If this doesn't make sense, SHOUT!

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

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neilloffhagen

neilloffhagen

Posted
Posted
I am sorry if this has been asked before, but wasn't sure if I found the answer in the FAQ's.

 

Can I claim the overdrawn charges that they put in place, every month, they charge me £25 a month.

 

If this irrelvant, please delete this post.

Yes, you can claim the charges for exceeding your overdraft, but not where it's a charge for arranging the overdraft.

 

Neil.

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neilloffhagen

neilloffhagen

Posted
Posted
I sent my letter off nearly 14 days ago (this Friday) to get them to send me my statements, but nothing has come back yet.

What is the next step, or am I being to eager with the 1st letter.

A bit lke I ws too eager. If you sent the DPA request you should wait the full 40 days that they have to reply within. You could phone up the customer services line and ask to be put through to the DPA department and ask them what's happening to your DPA request. For phoning the bank line you could use the non 08457 number - 01226261010 - might save you some money - depending on the type of phone service you have.

 

Neil.

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markdraper66

markdraper66

Posted
  • Author
Posted

I got home last night and had a letter from HSBC saying they received my letter and will be sending my statements to me soon.

They also gave me the cheque back as well.

 

So we will see what they owe me once the statements come.

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  • 4 weeks later...
HSBCrusher

HSBCrusher

Posted
Posted

They have not supplied the correct information within the 40 days?

You can get your statements online via the online banking facility so I am told, the important thing is that you have requested any details of manual intervention on charges, so if you get to court there are no nasty suprises.

Add up your charges and send off your first letter.

Some folks have made an estimate of the charges, the bank cannot disagree because they did not supply the correct information to start with which they are legally bound to do. If you were to do this, I would check with the bank, they might have been lost in the post.

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jonni2bad

jonni2bad

Posted
Posted

Hi Mark - where do we stand with timescales now?

..

.

 

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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jonni2bad

jonni2bad

Posted
Posted

OK Mark, you need to start proceedings against them for non-compliance to a valid request.

 

SEE HERE - and use Template 2

 

This gives 7 days for a full disclosure, otherwise start legal action.

 

If we reach that point, let us know.

..

.

 

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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maverik1979

maverik1979

Posted
Posted

just out of curiosity, cant you use the internet service to check your statements, it will save you a lot of hassle , and indeed time

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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jonni2bad

jonni2bad

Posted
Posted

Possibly maverick, but we also need to force these banks to comply with valid DPA requests.

..

.

 

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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HSBCrusher

HSBCrusher

Posted
Posted

I found that too.

last year I could access statements going back years.

Now it only goes back a month or two. Perhaps something to do with the fact I have filed a claim against them?

jonni2bad (like the new avitar by the way) is right though, these banks need to obey the law and give the information they should, it's only printed out from the database anyhow.

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maverik1979

maverik1979

Posted
Posted
I found that too.

last year I could access statements going back years.

Now it only goes back a month or two. Perhaps something to do with the fact I have filed a claim against them?

jonni2bad (like the new avitar by the way) is right though, these banks need to obey the law and give the information they should, it's only printed out from the database anyhow.

 

whe checking statements online click on the button which says "next set" under the table of dates

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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maverik1979

maverik1979

Posted
Posted

hmm thats strange, ill have a look and get back to you on that one

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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