Maverik vs HSBC - **WON**

[maverik1979]

well i used the online statement check instead of waiting for loads of paper to maybe turn up, and i knew i had paid quite a bit over the last 6 years but omg

 

£4115 :o

 

now the problem i have is that its quite a large sum of money and wouldnt that mean that the bank would put in more of an effort to get it back? as opposed to say £500 they would just write off and not think about it, what do you guys think, should i ask for the lot?

[Mindbomb]

The lot.

You don't ask, you tell!

Up to you of course but I know what I'd do.

[rbrears]

Just get it back - thats all - carry on

[maverik1979]

ok ive read as much as i think is possible (no doubt i've missed something), and ive got all the dates of individual charges logged down, i've calculated my interest aswell, i know i dont need this yet but its quite an eye opener (£731)

 

so i'll be sending my preliminary approach for payment on monday by recorded delivery to my local branch for the full £4115

 

will let you know how it all goes

[maverik1979]

actually just had another question, im going to address my letter as follows

 

the branch manager

so and so bank

blah blah blah

 

 

do you think this will be ok as i cant find any specific information for who the branch manager is and i dont have time to go and see them in person

 

ta in advance

[maverik1979]

oh and another thing ( i know too many questions )

 

just in the hope that i do eventually get my money back, i was curious as to what it costs this site to stay open for a month, to get an idea of how much to donate, whilst i do understand that its down to the individual, i feel that without this site i wouldnt even be aware that i could get any money back so i would owe you guys big time

[maverik1979]

Using seperate thread for any random questions, to keep this nice and clear as a diary so:

 

22/05/06 preliminary request for payment sent to alan pretty

[Guest Lueeze]

tut tut, stick to the same thread, as the 1st post is part of your diary too!

 

Lou x

[Spiceskull]

Best place to send it is the local branch.

As long as the amount you are claiming is

Donations are voluntary, but you could consider a percentage of your claim (and a nice percentage is 5%, which still leaves you with most of your refund...)

 

Good luck, and don't enjoy the fight too much...

[maverik1979]

posted preliminary approach letter today recorded delivery

 

14 days are ticking...

[Spiceskull]

Good luck.

[maverik1979]

cheers spiceskull, hope it goes just like everyone elses,

[neilloffhagen]

This is a bit late now as you've already posted the letter, but if you want to know the name of your branch manager the customer service phone people will be able to tell you.

 

Just keep pressing ahead and it will all work

 

Neil.

[maverik1979]

ta very much, i thought it may be better to try and bypass the levels of red tape, so i sent it straight to the ever nice mr pretty, well i'll soon find out

[maverik1979]

Request for repayment of charges

 

 

 

My request

I am writing to ask you to refund to me the charges which you have levied from my account over the last XXXX years.

I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs.

Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

 

 

spiceskull, this is taken from the preliminary i sent, now if the bank acknowledges

receipt of this letter, and still does not provide proof of costs, then sureley they are admitting that they cannot,

[Spiceskull]

I merged this post into your own thread - comments in other people's threads are fine, but this query is specific to your own...sorry and all that

 

Regarding the question - all that you can expect is that they wiil say the charges are fair etc, and that they will defend them in court. They are not admitting anything, and only a judge can compel them to reveal costs...and we know that this won't happen...

[maverik1979]

cheers spice, i know i should of put it in my thread, its just it was also relevant to the other thread aswell, thanks for answer anyway

[maverik1979]

ok its been 2 weeks since my prelim went out, so nothing from the bank whatsoever, are they even responding anymore?, anyway LBA goes out tomorrow recorded delivery

 

on a side note, got a little worried whilst watching trevor mcdonald program on itv, what if the banks do actually want to make a fight of it, which surely they must do at some stage, because if the forums activity is anything to go by theres going to be a lot more claims soon, anyhoo

[maverik1979]

received the standard c**p from the ever present mr beaumont in leeds ,

 

blah blah, charges fair etc

 

doesnt really matter as i'd sent out my lba the day before it arrived, as i was sticking rigidly to my timetable, its not my fault the banks are too slow to react

[Spiceskull]

Keep going...it's worth it in the end.

[maverik1979]

ok, mcol filed in , details pm'd to bf

 

hmm its a bit different when its your own case , rather that giving out advice isnt it?, im actually a litttle unsure as to what to expect

 

-revisits faq's for 94th time

 

[maverik1979]

ok just checked my mcol and they have acknowledged the claim, little help here im not completely sure what the next sequence of events is going to be (looks at spiceskull)

 

[barracad]

You will receive their acknowledgement in the post stating they intend to defend. You will also receive (probably on the same day) a letter from DG solicitors offering you the full amount as long as you don't tell anyone.

 

Cross out the confidentiality bit, send it back and you'll get your money.

[maverik1979]

-crosses fingers

[maverik1979]

received confirmation from the courts today that the bank does indeed intend to defend the entire claim, pff , bring it on