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Righto, so now its my turn to have to deal with these guys!

 

The story so far.

 

Way back on the 2nd of Feb my account went in to over draft. The charges came to £125 which was then taken on the 20th of March.

 

Then after the charges were taken out my account went in to over draft again (because of the charges) and I was charged a further £50 for being overdrawn!

 

So I sent a polite letter asking for a refund and pointed out that the charges bore no relation to the actual cost to the bank. I also pointed out that when I called the bank to query the charges I was instantly offered an over draft so as to avoid future OD charges!

 

BUT...come on...if its so easy to offer me an over draft then and there on the phone why couldnt this have been done when my account went overdrawn back in bloody February!

 

A few weeks after sending my letter I got a reply from the bank saying that the charges had been applied correctly and that no refund would be forthcoming.

 

However between my first letter going and the reply my wife got an email from the bank that included a paragraph saying;

 

"However, we will not charge review fees more than the amount by which you have exceeded your overdraft limit in any one month. As the maximum balance on your account was GBP 13.84 on 7 February 2006, a charge of GBP 13.00 has been calculated."

 

Seeing as my account was overdrawn by £80 the first time the fact they took the full £125 contravenes what their own staff are telling their customers!

 

So anyway, today I sent off a second more forceful letter explaining a few home truths about illegal activities and penalty clauses being unenforceable etc. So we shall see how that letter goes.

 

My next letter was going to be to the Banking Ombudsman...however seeing as they are there to look after the banks I guess Ill be going straight to the small claims court!

 

Wish me luck!

 

Anyways...heres the kicker about HSBC! Of all the major banks in England, the majority of HSBC's profit came from customer activities (ie. you and me) whereas the other main banks made the majority of their profit from commercial activities (ie. loands to businesses etc).

 

Regards

 

Mailman

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Good luck with your claim.

 

Regarding the stuff they tell their customers being contradictory at all times, you might be interested to know what they tell their own staff...it will make your eyes water. If you would like to know more, PM me with an email address.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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Good luck with your claim.

 

Regarding the stuff they tell their customers being contradictory at all times, you might be interested to know what they tell their own staff...it will make your eyes water. If you would like to know more, PM me with an email address.

I'd be interested in knowing more. Is it not possible to post them here?

 

Neil.

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I'd be interested in knowing more. Is it not possible to post them here?

Neil.

Unfortunately not - but as an ordinary Joe I am willing to answer by email.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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  • 1 month later...

Well I sent my second letter to the bank on the 3rd of May, got a standard letter saying they have received my letter rah, rah, rah etc.

 

Several weeks passed and nothing, got to the end of May and still nothing from HSBC. During the last week of May I received 4 phone calls from 4 different people over my account being £31 over drawn and asking if Id clear that amount up. So during each of these calls I asked what the progress was with my complaint, which naturally enough they couldnt answer.

 

So I sent them a final warning, giving them 7 days to pay up or Id take legal action.

 

Again, naturally enough, nothing heard back from the bank so yesterday I lodged my claim online.

 

Lets see how this one goes!

 

Regards

 

Mailman

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yesterday I lodged my claim online.
Good on you - good luck. :cool:

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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.

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How is this for an efficient public service! I got a letter from the court on THURSDAY saying the claim had been sent to HSBC and that as from the 12th of June will assume the notice has been served if HSBC doesnt get back to them!

 

Farken hell, and here I thought the only people who were efficient were wheel clampers hired by local councils! :D

 

So, the wheels on the bus are turning...cant wait for this to get to the hearing!

 

Regards

 

Mailman

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great news

 

Have you PM'd anyone your claim no etc to be added to the litigation in progress ? if not can you PM me it please

 

 

keep us posted on your progress

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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Saturday morning I received a letter from HSBC saying if I sign here everything will be forgiven...however the only problem is the sum mentioned £458 is far more than what I claimed (£205). And that if I signed they would give me £380 and be done with me (because the cost of defending the claim wasnt worth it rah rah rah etc).

 

So is this just more dirty tactics from HSBC or perhaps, this is what Im hoping, they have gone through my account and added up ALL charges I have paid!

 

The dirty *******, is there no end to the dirty, dirty games they will play! :D (MODERATED: Language please!)

 

Mailman

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Why is everyone who filed a claim AFTER me receiving acknowlegment letters and in some cases settlement letters while I HAVE HEARD DIDDLY SQUAT???

 

They haven't even acknowleged online - they've got until Wednesday at 4pm. I'd really rather they acknowleged rather than me winning by default.

 

OC

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After consultation with SS, may we suggest a letter on the lines of:

 

"dear sir, I accept your offer of £WRONG unconditionally. However, as this was not the original claim amount, please confirm that this is the amount you are offering in full and final. If I do not hear from you by the time the sum is credited to my account I will take your silence as implication that this is, indeed, the bank's intended offer.... " or words to that effect.

 

If they confirm, then they can't really later claim it was an accident and you're in the clear. If they realise their mistake, you're no worse off than you were to start with.

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Well I received another letter on the weekend, this time from their solicitors (DG Solicitors) offering £205 with a confidentiality clause.

 

However I have since sent them a letter advising them that a confidentiality clause is a non-starter and that I expect the full amount to be paid free of any conditions.

 

So lets see how this one goes. Im picking them being prepared to drop the confidentiality and just paying out as it probably costs them a heck of a lot more an hour to engage their solicitors to defend such a small case :)

 

Regards

 

Mailman

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Checked my account this morning and my charges were finally refunded. £205 in total was credit earlier today!

 

In the end HSBc caved in like a pack of cards...just a pity it took nearly 4 months to get such a small sum back from the buggers!

 

Now that I have got my money back is there anything I need to do with the county court action I started? Can I stop my claim on line or do I need to call them?

 

Regards

 

Mailman

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CONGRATULATIONS

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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  • 12 years later...

This topic was closed on 09 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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Please note that this topic has not had any new posts for the last 5368 days.

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