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Can anyone help me please?!


SheGod
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Hi

 

I am wanting to claim charges etc from HSBC but I have a few questions that I was hoping someone could answer or if anyone had been in a similar situation.

 

Basically about 5 years ago I had loads of charges etc going onto my account when I left my partner and got into a bit of trouble. I then had charges on charges etc and when I tried to request that the bank extend my overdraft to cover it until I got sorted (I explained my personal situation) but they refused saying I had no choice but to have a managed loan by them which I would pay back in monthly installments.

 

Five years on I am still paying this back at £30 per month and still have about £500 left to pay back. I think the original amount was only about £1200. The interest rate must be really high although I can't find any of my original paperwork on it and I get confused by the stupid financial summaries they send through.:?

 

Basically I am really annoyed :evil: that they forced me into this high interest loan when I had no other way out and I wouldn't have even have had to get the loan if it weren't for their charges. So, my main question is, can I claim anything back surrounding this issue aswell as my main claim and how would you suggest I do this?

 

Thanks

 

SheGod

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hi shegod, welcome to the forum. i'm not very well versed in managed loans but im sending a link below for you to read.

lateralus will probably be here any minute now to put you in the right direction.

 

good luck with your claim

 

Who has had Managed Loans? (multipage.gif1 2 3 4 5 ... Last Page)

If i've been helpful in any way....then tip my scales over there!

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Thanks nettyg. Am so confused trying to take in so much info. Would be so much easier to see a solicitor and get them to sort this out for me but can't really afford it! Am so angry with the bank though but never really thought about arguing iot with them.

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Hi SheGod, I reclaimed the interest on my husbands managed loan, the only reason why he had this loan was because of their unlawful charges. HSBC repaid the charges and also the interest on the managed loan.

 

My thread is here

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/16862-husband-hsbc-paid.html?highlight=managed+loans

 

You can find out the loan interest if you have internet banking.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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