HSBCrusher v HSBC - The Battle continues.. claim 4 ready to go!

[HSBCrusher]

Crusher, you are so cool

 

cool as cucumber baby....

(if they do shut the account, hey. Whassap! )

[HSBCrusher]

Should have said "unlawful" in my post instead of illegal, a bit of a typo on my part.

[HSBCrusher]

Nah, just a "to the point" phone call and a letter, then the offer came in.

I suppose there is no need to stall the process, as they already know what I will do!

Waiting to see if they close my account, but not any sign of that yet.

[HSBCrusher]

Hello Folks.

(thanks Karne)

 

Hsbc has seen it fit to close my account (mind you I have pushed them a fair bit!)

 

watch this space though- much fun to be had!

[HSBCrusher]

glad its sorted chilli.

 

anyway, just been on the phone.

I had a letter from everybody's favourite listening bank.

I changed over all my dds 3 weeks ago, but a load of them have just been taken from this account, and then returned. Que- loads of charges. In fact I have had (wait for it) £520 worth of charges since I had my first refund, most of them in the past 3 weeks!

So, and this might be BAG history, I have claimed for the 3rd time from one bank account!

The account is to be closed, so I have offered to pay up the remaining overdraft minus charges and call it even. They will get back to me tomorrow.

I will be having a bit of fun with HSBC, watch this space.

[HSBCrusher]

In this situation the OD is more than just charges. I have offered to pay the difference. I am having trouble getting a reply.... 9 days later still no resolution!

[HSBCrusher]

this is interest calculated on a daily rate while you are waiting for your claim to be settled.

[HSBCrusher]

hello lula

[HSBCrusher]

My claim took about 6 weeks start to finish. I still await a letter from the bank confirming or not confirming they will accept my offer to pay back the OD minus any charges. I am going to have to write another letter about that methinks.

 

I also have a bit of a plan I have put into action. I have sent off a new data request asking for details of all manual interventions concerning the closing of the account! There must be some records, and I have requested any notes, emails or other written correspondence. We all know that these accounts are being closed on the second claim, so the reason for closure isnt "commercial", it's because a complaint has been made a second time. As I assume they have not been expecting this request, I am expecting some quite "juicy" information, which I will have to use according to its content when it arrives.

 

I have been keeping this secret, so dont tell anyone;)

 

(I expect the letter any day now as the 40 days are up!)

[HSBCrusher]

oooooooooooooh, very stoopid indeed.

still no news, I will get writing letters tonight if I get a chance.

[HSBCrusher]

OK, latest.

 

cant get any sense out of anybody I have talked to.

 

I have an OD to clear, I wanted to pay up less charges, they are not wearing that.

 

So, I have decided to pay it all up, and have let them know I will be claiming back the £700 or so charges inposed in the past couple of months.

 

In fact, this is going to prove to be lucrative for me because I will be charging the contractual rate of interest on what they have taken, and I recon there will be enough extra to take my wife out for dinner;)

 

Its all a bit long winded, but I wasnt getting anywhere fast, and they will still have to cough up these rediculous trumped up charges. Ooh, they make me mad

 

So, here we go, a third claim against one account, gotta be some sort of record I recon.

 

Oh, dont think the data protection issue has gone away.... it hasnt!

 

Crusher:D

[HSBCrusher]

If there is just the one claim on each account you should be OK, of course you never know.

 

If 14 days have passed, then its time for your LBA.

 

All the best with your claim, You are about a month or so away from your money, sooner if you are lucky.

 

Crusher:D

[HSBCrusher]

I have got a bit behind with this claim, but I have managed to get going with it again.

 

I have just sent this letter....

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx

 

You have failed to comply with my Data Protection Act Subject Access Request dated 4 September 2006.

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

After notification of closure of my account I requested data relating to that closure, which is a reasonable request.

 

I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you over the past 6 years. I do not require bank statements as I have all this information already.

 

I am sure that you do not need reminding that it is a legal requirement for you to provide this information. I do not think the bank can take such an action as account closure without any internal emails or other communications, and I am entitled to see them according to the data protection act.

 

 

Yours faithfully,

 

love

 

Crusher XXX

 

 

Also, confirmation the account is closed arrived today, so a prelim has gone in for the 3rd claim against the worlds local bank.

 

har har

 

cough cough

 

[HSBCrusher]

Yes, you are right, they are becoming very lax indeed. I understand that they do not really want me to have this information because it is likely to be dynamite.

 

There is a very distinct lack of threads about this.... I wonder why.

There was this from barracad about HSBC a while ago...

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/8922-hsbc-admit-they-profit.html?highlight=dynamite+barracad

[HSBCrusher]

I received my letter from HSBC this morning confirming their intention to defend. Whilst I am more than happy to see this through to the bitter end, do you think that they will be stupid enough to face me in Court?

 

NO!

 

(just my opinion of course!!!! )

[HSBCrusher]

I have a similar complaint to yours ongoing.

 

http://www.consumeractiongroup.co.uk/forum/smile/37708-has-happened-you.html

yes, they are being a pain in the bottom. Still no joy. I am now going to hit them with court action and a complaint letter too.

[HSBCrusher]

They normally send back the cheque.... I don't know why they do this.

 

Whether the cash the cheque or not, they must comply with the data request.

 

I'm really curious to see what the swines saw on your account closing notes.

 

I am too!!

[HSBCrusher]

OK.

 

To keep you all updated.

 

I had a letter requesting a shedule of charges (rather than the usual put off), but it has now gone very quiet, so a lba will be going in on Monday for that.

[HSBCrusher]

Good good- send a schedule with the lba too, taht way they can't stall you by askng you for it again!!

Yep. You have to cove all bases with this lot.

[HSBCrusher]

the letters have gone in, the clock is ticking!

 

If there is no reply by tomorrow then here we go again, another mcol is on the way!

 

great fun innit?

[HSBCrusher]

hello splang.

 

I have to confess, I have not been able to do so.

I have been very busy at work, and it's been left half done.

(and lets be honest, the banks rely on the fact that some of us can be lazy! )

 

thanks for the kick up the backside... I will do it right away!

[HSBCrusher]

Moneyclaim has gone in, another 80 quid!

 

(thanks for the offer uniboy )

 

Oh well, not expecting too much correspondence as it's coming up for Christmas.

 

When will these guys learn... I'm not going away am I?

 

I have claimed twice already, I have taken them to court once already. What do they expect?

[HSBCrusher]

Got my confirmation letter from Northampton court yesterday, har har!

Not a very merry Christmas for you HSBC!

 

uniboy, I claimed for my postage, but that was about it (other than about 3.5 grand in charges and interest )

[HSBCrusher]

There!

 

Answered without moving my lips!

[HSBCrusher]

Mr Langdale sent a letter today.

He sent me a letter AGES ago asking for a schedule of charges in relation to this claim... I replied of course with said charges schedule.

Letter today written as if he had never heard of me before.

MCOL went in days ago.... silly people.