cp33c v HSBC X 2

[cp33c]

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

[grath]

good luck! I plan to start writing my letters this weekend

[cp33c]

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

[Spiceskull]

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

[cp33c]

Thanks, I'll do the prelim letter 1st and see what happens

[cp33c]

Prelim Letters sent today. Only 14 days to go..........bring it on!!

[cp33c]

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

[johnharte]

Congrats!

 

Which letter did you send?

 

John.

[Mikelatham]

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

[cp33c]

John,

 

I used the 1st Prelim letter. I was about to send the 2nd one today, but obviously didn't have the chance.

 

cp33c

[Spiceskull]

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...

[cp33c]

Of course no problem.

 

cp33c

[cp33c]

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

[cp33c]

This topic was closed on 10 March 2019.

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