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cp33c v HSBC X 2


cp33c
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Hi All,

 

Good to hear most of you seem to be getting your money back + interest.

 

I was in an unfortunate situation a few years ago and have been paying the price ever since through charges and the unhelpfulness of my bank.

 

Just sending my letters off to the bank to find out how much they've charged me over the years. I've got to send 2 letter as I have 2 accounts at 2 different branches. Should be interesting to see what responses I'll get.

 

Anyway keep up the good work

 

cp33c

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Hi,

 

So I got bored waiting to find out how much I've been charged (I know its only been 1 day). Decided to go online to find out how much.

 

Joint Account = £1961.07

Single Account = £2662.51

 

I feel sick!!

 

Should I wait until I receive my statements, or now that I have the amount should I go ahead and create the LBA?

 

Thanks

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LBA - all the way, although it would be better to do the preliminary letter first...goods luck.

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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  • 3 weeks later...

I WON!!!! I can't believe it. It took 1 letter prelim letter. Ok so they went 5 days over the 14 days, but I received a letter this morning offering me 90% of the amount I'm claiming back, which is more than I was expecting.

 

Only thing is they have only offered me money for one of my accounts, and they haven't included the interest.

 

I'm going to sign the letter and hand it in to one of the branches tomorrow. Then all I have to do is wait for the other letter to turn up.

 

Does anyone know how long it will take for the money to appear in my account? Plus what do I do about the interest? Ignore it?

 

Thanks

cp33c

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You cant add the 8% apr until you put in a court claim. as you've been lucky enough not to get to that stage, you cant add interest. you can add interest if you were being charged interest for being overdrawn when the charges were made, but it is highly complicated to work it out, so most people dont bother as its only a few quid usually.

 

At the court stage, the 8% apr really bumps up the total.

 

hope this helped ;)

:)HSBC Current - Prelim sent 2/6/06 £1060 Reciept confrimation 5/6/06

:mad:HSBC Credit - Statements requested 6/6/06 - I reckon around 500 notes.

;)NATWEST - Parachute account opened 4/6/06

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I WON!!!!
Great - they should credit your account with the money in the next few days.

 

Once you have it, don't forget to fill in the survey, and also make a donation to help keep the site here for others...:)

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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  • 2 weeks later...

I decided to phone the Service Quality Team today to find out whats happened about my other account. I got to speak to an Adam Collins who I was told has taken over from Mr. Pretty (he has moved on to better things). Apparently when they received the letter someone decided to put it on file, instead of marking it for action (this maybe a reason why some people aren't getting a response!) He's going to respond either today or tomorrow, but I should have another offer by end of this week, early next week.

 

Good times ahead!!

 

cp33c

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  • 12 years later...

This topic was closed on 10 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.

- Consumer Action Group

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at the bottom of one of the posts.

 

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Please

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Thanks

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