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Hi Everyone could really do with help for HSBC


motherduckling
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Hi Everyone.

I could really do with some help over claiming with HSBC. We have sent off asking for statements got back, sent letter asking for refund the bank wrote back for 1st account offering approx half of what we claimed for, so we accepted only as part payment ( followed template letters). We hadnt heard anything about our second account so sent them the LBA. Whilst we were waiting for a response we received a letter from METROPOLITAN COLLECTION SERVICES asking for the full amount that we owe HSBC even though 90 percent of it is charges that we are claiming back. Spoke to them and told them that the amount was in dispute and that we were trying to claim charges back and they told us that we would have to speak to the bank as only they can change it. HSBC CUSTOMER CREDIT SERVICES refused to take our calls.

Since then we have had letters saying and i quote

The bank does not agree with your contention that the charges have been inposed constitute a penalty and are therefore unenforceable. The contract between the bank and its customers is governed by Personal Banking Terms and Conditions. In respect of overdrafts I would refer you specifically to clause 7.11 in section 2. goes on to say that there fees and charges are clearly stated in price list. Said that they accept that the letter is not the response that we hoped for and if not satisfied can refer it to Financial Ombudsman Service.

As with the 1st account they are saying that there offer is final.

So I am now not sure how to deal with the DCA and how to find out which vampress calculation sheet and how to work out the interest at 8 percent as going to court is the only thing left opened to us.

Sorry to have gone on a bit but am really starting to worry over everything, even though i knew it could go to court we are at our wits end Any advice will be gratefully received.

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Hi, don't worry ok.. The account bis in dispute and i would write to the DCA so that its in hard copy.

 

The reply that you got from the bank is a standard fob off letter so just carry on with the process as described on the site..

 

Here are a few links, including the 8% spreadsheet..

 

Letter Templates

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

Rejection of Settlement

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Interest Spreadsheet

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

Contractual Spreadsheet

http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.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

Preparing a Court Bundle

http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html

Bank Contact Details

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

Moneyclaim Online

https://www.moneyclaim.gov.uk/csmco2/index.jsp

AQ Guide to Completion

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation

Court Fees

http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm

Data Prot Act Non Compliance

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

ERC Letter for Mortgages

http://www.consumeractiongroup.co.uk/forum/post-432747.html

Witness Statements for Court Bundle

http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html

Banking Code website

http://www.bankingcode.org.uk/faq.htm

Limitations Act

http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html

A-Z Guide to stuff

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

fast track costs

http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519

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