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    • Hi I would welcome some advice please.  I have been a CAG member for some time and you have helped in many ways.   Way back in October 2007 I took out a loan with Black Horse Finance for £4,000 to pay for a new central heating system that I was forced to install when I had to move into an old mid-terraced house.  The problems with this house got worse over the years and in October 2012 the account was assigned to MEIV who traded under the name Marlin. Also at that time my affairs were being handled by a Debt Management Company.  This company, Money Worries, subsequently disappeared with the MD being chased by Greater Manchester Police.  There followed a long and painful period with Marlin whereby they constantly stated there was no payment plan and I stated that there was.  They claimed no payments had been received and it was down to me to try and sort the mess out.  I said at the time that I would maintain the same payment as I had been to the DMC which was £12.25 per month.  So I implemented a Standing Order to this effect.  Marlin, of course, wanted an Income / Expenditure form so they could (obviously) try and pressure me to pay more.  I wrote to Marlin saying their actions could amount to harassment but they continued to maintain there was no agreement and passed the account over to their so-called "solicitors", Mortimer Clarke.   So in April 2014 enter Mortimer Clarke who were still, like Marlin, just agents.  As 'solicitors' they started threatening legal action, enclosed an Income / Expenditure form and demanded that I fill it up - effectively disclosing all.  A month later they wrote saying their 'client' had told them to start legal proceedings but actually nothing happened, maybe because it was already beyond 6 years.  They threatened CCJs and credit being "impacted" etc.  So I discover that Marlin had actually increased the debt by £500 by slapping on punitive interest. After finally getting them to realise that there was a plan, whether they liked it or not, they removed the interest. I then made a reasonable offer, I felt, to increase the monthly payment to £20.  They came back again demanding their sacred Income / Expenditure form.  So thanks to CAG I informed them about 'reasonable' offers of payment and Court Protocol rules and just went ahead and implemented the £20 a month. Back they came saying the offer had been accepted on a "concessionary" basis - whatever that's supposed to mean. In March 2016 they seemed more reasonable and continued the £20.   In October 2018 they try their tactics again and I respond with a strongly worded letter about harassment and follow through on my telephone promise to increase the monthly payment to £25.  Surprise, surprise, this is accepted!  All is then peaceful and calm until February this year when they start again.  As things are somewhat better for me the monthly payment is increased to £60 but now in September they're back again.  Now I know you will say I'm foolish but this time I completed their damn Income / Expenditure form but again, foolishly, I gave them figures based on our total family income.  I am retired as a full-time carer to our disabled son.  My wife is in paid employment but wants to build up savings to start a business idea that she has every chance of succeeding in. I gave them global figures for total Income and Expenditure as how much pocket money I give my son is of no relevance!   They are now saying on the basis of the figures I gave them that I have £494 disposable income and that their 'client' (i.e.MEIV) wants the monthly payment to rise to £345.80.  I am furious.  They have given me 14 days to accept ......or else!!   I am thinking I should do a new IE form based solely on my income and the expenses I pay each month but I thought I would come to you guys first.  If this were to go through it would leave us, as a family, with not much over a £100 to cope with emergencies.   Many thanks in anticipation.    
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    • I think the most important thing here is to establish a paper trail. You have the right to return it within 14 days for any reason – the cooling off period. Also if there is a defect which manifests itself within the first 30 days then you have a right to reject the computer for that defect. I suggest that you write letter immediately – email – send it to them and make it clear that you are invoking the cooling off period and that despite your best efforts you have been unable to obtain an address from them and in fact you have found that both their staff and the systems are obstructive to your application of your consumer rights. Send a second email (they aren't normally able to understand one point per email – they get confused) and tell them that you are invoking your right to reject under the consumer rights act because of a defect and you want to know what arrangements they are making to collect the computer. Send both of these letters today. I suggest that the cooling off period one you also sent by recorded delivery post tomorrow but make sure it bears today's date. In terms of the defect, I suggest that you start going to the setup process again if you can and take a photograph of each screen so that you are able to demonstrate the defect. If Dell tries to shirk their consumer obligations then you will have evidence that there was a defect and after that we will help you through the next step.
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HSBC Business account total charges


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Hi, I have 2 business accounts with HSBC that have both had their fair share of overcharging, I am in possesion of all the statements for both accounts.

 

A lot of the charges are listed as "total charges" and I understand that for business accounts this is a combination of non claimable and penalty charges.

 

I receive a breakdown monthly on a seperately posted Summary that just lists these "total charges" debits, unfortuanately I only have around 20% of these total charge breakdowns.

 

My question is if I contact HSBC with a request for 6 years statements will they not just send me the regular statements that I allready have and not the Summaries I need, mayby there is an alternative way for me to get a breakdown of these charges, I looked via online banking and it only shows the total "total charge" not the individual breakdown.

 

Has anyone obtained breakdown of business total charges over the phone ?

 

Cheers hope someone can advise

 

Tony

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I am also claiming for a personal HSBC account, due to my eagerness to get back my dues I have gone straight in for the jugular and sent the LBA by mistake! I was thinking of sending anoter amended LBA in 14 days but then it looks like I am not standing by my threats (14 days or court proceedings begin) anyone have any advice to offer?

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  • 3 weeks later...

Recieved a letter re my personal account from Mr Langdale saying they are looking into it ... yeah right, I resent the lba after adding overdraft interest charges (thanks Vampiress), 14 days till I can file the MCOL...

 

I am having a hard time of getting the breakdown of "total charges" from hsbc for my business account, they sent me copies of statements as I thought they would despite me making it abundantly clear I only wanted the summary of charges breakdown, I have made several attempts to get this info off them, anyone had any luck getting the breakdown off hsbc ?

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Total Charges Saga continues...

 

Visited my local branch end of last week to explain that I had been sent the wrong information last week, they sent an internal mail (which i photocopied) stating that I want breakdown of business account total charges NOT more statements, guess what arrived today ? MORE STATEMENTS !! :mad:

 

Went into bank to ask why they are witholding this information with me and I informed them I had made every effort to get this breakdown of charges and that I believed they were purposely witholding the information, it had been 30 days since my original request and I had copies of all communication, end resullt was the mysterious total charge breakdowns appeared on their screens, am returning in the morning as they are supposed to make copies for me by then.

 

Time for MCOL on the personal tomorrow also so gonna be a busy day, oh what fun :)

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Finally recieved breakdown of total charges for business accounts so now I can proceed with them :)

 

Filed MCOL for personal account today with 8% court interest, am I right in thinking that I can now hold out for the extra 8% if HSBC offer to settle ?

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  • 1 month later...

Time for a long overdue update, all this is regarding my personal account.

 

I sent DG and MCOL a breakdown of charges after the claim was served.

DG defended the claim at the last minute and I recieved notice that the case was being transfered to my local court and that an allocation questionaire has been dispensed with.

 

A few days ago I got this order from my local court

 

"Before DISTRICT JUDGE DUDLEY sitting at Southend County Court

 

Upon the courts own initiative

 

IT IS ORDERED THAT the claim is stayed untill 27 June to be referred to District dge Dudley in paperwork on 27 June "

 

 

I have not sent DG anything apart from the breakdown of charges when claim was served, I added the bit about "discussing overdraft with themselves and the judge in that letter tho.

 

Any advise on what action to take next ? have had a good look around and seen the threads about getting a stay removed becaude DG have requested it but my letter makes no mention of that, just what I have typed above.

 

Am i expected at court on 27th June ??

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Anyone have advice on my previous post pleaseeeee :D

 

I was thinking of sending this nudge tomorrow.

 

Dear DG Sols

 

As you are aware District Judge Dudley of Southend County Court has ordered for this matter to be referred until 27th June 2007

 

I am contacting you again in an attempt to open a serious and sincere dialogue with yourselves to get this matter resolved before wasting any more of the court`s and our time.

 

I would be willing to accept £1750.00 as full and final settlement on this matter, I am sure Judge Dudley will approve of us settling before the hearing.

 

Should you wish to pay the money direct into my account, I will notify the courts the matter is closed.

 

I have again included a schedule of charges for your attention.

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Hi CB, I got a court date yesterday, but letter is at home so cant check wording of it till later. I will check tonight to see if exactly same. I have sent 1 nudge letter on the 12th and had nothing from DG, so now with court date i will send second nudge in a day or 2.

 

You say that DG have asked for stay, but your Quote says 'Upon the courts own initiative' :confused:

 

If that is correct, it sounds like the court is giving DG & you time to settle before court date.

Have the court asked for an AQ or not.

Have a read up on Latties threads.....

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/71343-when-you-have-filed.html

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

 

Your nudge sems fine.

 

I think you have to be seen to have contacted DG on numerous times to get the stay removed, basically to show you are trying to resolve but DG are not playing.

Good luck, i think we are about at the same stage, and im working on business claims as well but havent filed anything yet, it will happen soon.

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi Celicaman

 

The Judge not DG ordered the stay, I think there is quite a few bank charge cases set to be heard the same time, I meant in previous post that I had read other nudge letters that mentioned DG had requested the stay but that does not seem to be the case for me, also I am not sure if I am even expected to turn up on my date as the court order just says

"IT IS ORDERED THAT the claim is stayed untill 27 June to be referred to District Judge Dudley in paperwork on 27 June"

 

All I have sent DG is the breakdown of charges and interest after the mcol was served.

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Hi CB What i got yesterday, is a lot different to yours

 

Got my notice of allocation/directions hearing yesterday.

 

' Take notice that an allocation/directions hearing will take place on the 11th July at ****

When you should attend

20 MINUTES has been allowed for the hearing

Please note this case may be released to another Judge, possibly at a different court.

 

If this my court date, its not quite what i expected it to say

That is all i got , Castlebest reckons its the judge saying nudge DG, i think hes right.

I will forward your thread to him see what he thinks on yours

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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any joy on sorting out what charges are what on statements

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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RE Bank Charges

Only other thing to do, rather than send a total guesstimate which is a bit risky.

If you know how much each item IE cheque/ pay in credit SO & DD costs, List each and work out the costs, whats left is ( should Be ) the charges, the interest i think is always seperate on the statement, so not an issue.

 

At least if you have something close, HSBC can always knock back the ones that are incorrect, but also quite importantly, if you ever get in front of a judge, you could state why & how you have came up with the figures and say that because of the banks refusal/ inability to provide an adequit summary of the charges, you have had to work it out manually, and also Cite them breaking SARS by not providing the requested info, to which they should adhere to.

This might also shake their booty's into making an offer as it cites them as not providing info, yet something else to add to your bow.

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi, I have worked out what charges are what on my business account but am not dealing with business at the moment want to get personal account sorted first.

 

I got a breakdown of my business accounts total charges from my local branch.

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Hi CB, i am doing same with business, just waiting & getting a handle on all the things you have to do to process the claim, then i got 3 closed business accounts going back to 1989 to chase after,not including the 2 current business accounts, and im going to try for CI on them all. But of course once i start that little lot i will be asked to change banks, and need t srt ot overdraft & business Credit cards etc. Already just set up a new personal account at a different bank, cos i got a second claim to start on same personal account pre 6 years, so i reckon i will be off this years xmas card list lol

 

CM

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GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi, I am in the same boat, I have been unable to obtain a breakdown of total charges for my business account. I think I may have jumped the gun though - my case is due for directions on 2nd July. Will my case be thrown out if I don't have this breakdown? How would I go about getting this breakdown now? Would they give it to me over the counter at my local brancj? Hope you can help..........

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Hi, I am in the same boat, I have been unable to obtain a breakdown of total charges for my business account. I think I may have jumped the gun though - my case is due for directions on 2nd July. Will my case be thrown out if I don't have this breakdown? How would I go about getting this breakdown now? Would they give it to me over the counter at my local brancj? Hope you can help..........

 

 

How did you arrive at the figure to put your claim in, you must have had something to send to the bank. As a business you maust have a least your statements.

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Yes, I had my statements which stated "total charges" each time a charge was levied.........

 

What you need is a summary of charges, they usually come before the statement.

Chargeback got his over the counter at his bank, i would do that asap

 

Only problem at this point is that you would have to file an amendment N244 form to amend details of your claim if it is incorrect, i am surprised that the bank have not spotted it and said so, but with so many claims they may have missed it.

 

Plasticpaddy, do you have a thread started with details of your claim on for people to follow

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Plasticpaddy, do you have a thread started with details of your claim on for people to follow

 

CM

 

Ignore that, ive just found you.

having read over your thread, i would still get the summary charges and work out what the real amout should be, i am sure bank will probably make an offer and will remove all the things that you cant claim for. At least if you have your own breakdown you will know if they have taken the correct amout off

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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Hi, ok iv looked at what the Chargeback said and it seems that my friend will have to go into his local branch to get his breakdown of his 'total charges', iv written a letter for him to take in with him to explain what he wants, please can i have your opinion on whether it is ok? Thankyou, here it is:

 

 

Dear Sir/Madam

This letter is to explain clearly what I would like (and am entitled to) from yourselves:

 

I would like a summary of charges that have been applied to my account over the last six years.

You recently sent me six years worth of statements which included all charges against me on my account, a lot of the charges are listed as "Total Charges" and I understand that for business accounts this is a combination of non claimable and penalty charges, I want this complete breakdown of the ‘Total Charges’ on my account.

I know it is within your capabilities to print these off here and now in your branch and I hope that you are willing to help me maintain my business account with you by doing so today. Failure to do this will result in me complaining to your superiors, complaining to the financial ombudsman and me issuing you with a Data Protection non-compliance letter which would result in a county court claim against yourselves.

 

I trust this explains fully what I expect from you today.

 

Yours sincerely,

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I have just been in the same situation, When my statements arrived I noticed the pre notification sheets were missing. I wrote back to the address on the covering letter that came with my statements and asked them to supply them under the oridinal SAR, they arrived in a week. Its also worth noting that your first years banking is free so the Total Charges are reclaimable in full as they only include overdraft charges.

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Hi there, thank you very much for the post, it was very useful!!

Im not doubting you whatsoever but what do you other people think about the fact that the first years banking is free so the total charges are fully reclaimable?? Is it worth claiming this or will this be confusing matters slightly?

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I had a business account for 11 months, free banking means you dont get charged for payments in and out of your account or the monthly service charge which are the only other items in total charges that you cant claim back. I did not have the prenotification sheet so simply claimed the total charges from my statement.

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