johnk81 vs HSBC

[johnk81]

Hello all im new to this concept of finally getting my money back lol , ive already set the ball in motion against HSBC ive requested my 6 years back statements at a cost of 10 pound (another charge!) they have promised me a 40 day waiting period with my statement in batches , ive only done a small amount of investigating thus far checking all my online statements , i have a solo card , which your supposed to be unable to be overdrawn on , and have uncoverd in one year with a regular input of 800 pounds plus into my account , a total of 468 pounds of charges for discrepancies ranging from 5 to 30 pounds overdrawn im just waiting on my loan statements but im unsure if i should take the same action against my loan welcome finance and my very old credit card but it is within the 6 year period should i pursue this too? any ideas will we very helpful.

 

plus i have noticed very angry people at charges of 15 - 20 pounds or 25 pounds a time , my average or should i say consistent charge has been 30 pounds everytime for each discrepancy , is this above average? many thanks john.

[dx100uk]

go for it;)

 

dx100uk:cool:

[nettyg]

hi john

welcome to the forum. all i can say is read as many threads and faq's as you can and familiarise yourself with the process and you can't go wrong!

[maleo]

Hi John,

 

Follow Netty's wise words!

 

A note, though - when you're completing your spreadsheet, only claim what they have taken from you. If they've taken a charge of a fiver, then you claim a fiver. Don't average out, or you could find your claim being struck out.

 

Read the FAQs, they'll tell you everything you need to know about the process. When you get your statements, use Vampiress' spreadsheet to help you work out how much they owe you - and you can claim for anything that you haven't specifically agreed to; so you can't claim for Bank Account Plus fees or authorised overdraft arrangement fees etc, as you've requested them, however you can claim for bounced DD/SO fees, bounced cheque fees (although with a Solo account, I wouldn't have thought you'd have a chequebook, but I could be wrong!), overdraft fees and the cleverly titled 'Total Charges'.

 

Hope this helps.

[nettyg]

john you might find this link useful

 

Charges description on statements - Please Read

good luck

[johnk81]

yes everything and i mean everything im claiming for is bounced DDs . over drawn without an overdraft at all , and total charges and card mis - use and yes these amazingly added up to 468 pounds last year alone theres no atm charges or agreed overdraft fees HSBC have continually tried my patience with ther over charging tactics theres absolutely no fees on my account that do not fit into the dont claim for category there all a flagrant abuse of my account

 

thanks all for replying but where do i find vampiresses chart?

 

cheers john

[dx100uk]

https://www.google.com/accounts/ServiceLogin?service=wise&passive=true&nui=1&continue=http%3A%2F%2Fspreadsheets.google.com%2Fccc%3Fid%3Do05431923148812003051.3589129105792367528.06063701058266366620.1404392360472623037

 

you will need to create a google id first

 

dx100uk

[johnk81]

thanks dx i created an account but it says im not authorised? any ideas? many thanks john.

[dx100uk]

sri

thats a link to my ones

i cant extract the web ad either.

 

you had better usethe ones in the template library

 

dx100uk

[johnk81]

cheers dx il post a request for that info once hsbc send my statements out im sure il need help with the numbers!

 

Keep fightin!!

[lateralus]

6. Interest calculation spreadsheets

just go through your statements when you have them all and make a list of the ones with a DR next to it. date, name of charge, how much.

a list of this sort(a list - don't send statements) will suffice for the first letter but by the lba you should do the spreadsheet and make it look all nice and tidy

cross ref your list with this info as netty sent you above:Charges description on statements - Please Read taking off any you shouldn't charge for. the spreadsheet with this info on it becomes your schedule of charges or breakdown that we are forever referring to on this site.

have you tried getting your statements on-line - then you wouldn't have to wait for all that mail.

[johnk81]

Thankyou very much for the links they will come in very handy when my statements arrive. im waiting on 6 years statements my online banking restricts me to 12 months though.

[lateralus]

there's a way to do it - you click on something and it takes you back - but let me see if i can find it.

[lateralus]

see if this is it: Using the statement link on the left hand menu

 

i did a claim for my son - but he had all his statements - so never actually dealt with the on-line - but i know you can get them - just couldn't remember the way - try that above.

[nettyg]

hi john

when you login to online banking - go into my accounts

on the left hand side there's a menu with my statements

click on those and it should give you your statements listed in years

click on year you want and then obviously you have to go through each month. tedious but quicker probably than it will take for hsbc to send them to you.

hope this helps

[johnk81]

nettyg legend! super saved me loads of hassle and wait , i have now gone through all my statements and ive added all the notifications with dr next to it im a bit confused though as my hsbc loan also came under dr , i take it this is normal and i wouldnt need to claim them i did not note the the interest dr's though did i need to? well my total without the interest charges ?? is a plum total of 2463.33 WOW! ok help needed now what is my next move???? many many thanks john.

[johnk81]

ok did the interest sheet it came to 3499.41 is that what they have charged me too? because ive put this as what they have charged me in my first draft template 1st letter is this correct? and when i do a breakdown do i need to just put the date and the charge in a list is that all i need to do preliminarily? many thanks john.

[johnk81]

oh just to add the spreadsheet didnt go to 2007 so my january charge of 28 i added to december is this a particular that will affect my claim totals? or do i disregard the 28 pound and recalculate to dec 06? please please any help??

[gordylar]

John,

cram as many charges in as you can because when you get to mcol D.G. (hsbc's solicitors) will date your claim 6 years from the mcol date.

If the spreadsheet won't go to Jan 07 write it in by hand that should do. Be sure to update your claim as you proceed, if you get any more charges.

Glad to see i'm not the only one burning the midnight oil.

[johnk81]

ok il keep it as is then i have used phil beaumont as the contact but not sure if this is updated now but im still learning jargon so mcol? plus with my breakdown do i add specific dates? just to be thorough i take it is yes? because il have to go over my statements again , once i have done this am i all set to send my approach letter? i will probably ask about what i need for court action aswell sorry about all the questions but im still very new to this lol

p.s yeah ive just got off nights so its not easy to doze off yet lol.

[johnk81]

im sorry to all for sounding very gobbledygook lol all i need to know is ...

 

1: i did not add DR interest to my final total , did i need to? and then go to the spreadsheet?

 

2: with the spreadsheet i put in my total of charges 2463.33 and calculated 3499.01 is this what im claiming for? or do i only use the spreadsheet if im going to court? and do i have the interest seperate and do every charge individually?

 

3: should i send my letter to Phil Beaumont?

 

4: do i need to accurately put every date of charges and interest on my prelim letter?

 

thankyou sorry again but im really lost at the moment cheers.

[lateralus]

if you are going to claim for the overdraft interest - then use the advanced s/s, if you aren't, then use the simple s/s. be sure to use the correct s/s for whatever you are claiming.

for the first letter, the charges need to be in a list format (or s/s is fine), oldest charges first, just call them whatever they call them,

if you are claiming debit o/d interest - then that goes into the total as per the letter "i calculate you have charged me xxxxx charges plus xxx overdraft interest - total i am reclaiming: xxxxxx.

if you've used the s/s and it shows the 8% interest - this is for the claim stage only - so cover up that interest until you are claiming.

i'll just put this link in - it might clear it up for you: post number 26 HONEYGIE sees you HSBC! i wrote it to help clear up the interest and s/s confusion. once you decide if you are including the o/d interest or not - just be sure you pick the correct s/s. might as well get it right now as have a big tangle to figure out later.

so, 1.you don't have to do the dr interest. it's your decision

2.if you've used the s/s, it's already done - just cover the interest column for use in the first two letters.

3. phil is fine

4. yes - either a list or the s/s but all charges and dates included.

 

you'll get there - take a look at that link.

[nettyg]

hi john

 

on your breakdown (s/s) you write in exactly as it says on the statement i.e. charge recall so/dd

unpaid item

total charges to xx/xx/xxxx

charge card misuse etc etc

[johnk81]

so i only need the interest calculation s/s if i go to court? or do i individually calculate each charge on the s/s and send that as the total i want to claim in my approach letter? or is it just the total of charges that im claiming for? this is the only bit im stuck on.

[johnk81]

because i added all my charges and it came to 2463.33 , am i adding interest to each of these charges?? or am i just claiming this? thats what im asking sorry .