Rita vs HSBC **WON**

[Rita Skeeter]

Hello all! I'm new to the forum, (after being referred by a friend). It would seem that I have made a silly mistake not sending my SAR by recorded delivery. I am nearing day 35 and have already been advised to give HSBC a gentle nudge to help the process along, (which I will send by recorded delivery !).

 

Have been avidly reading all the faqs and as many threads as poss trying to prepare myself. All help and advice will be gratefully received! I can't believe the amount of support and guidance that's available on this site -truly fantastic.

 

Am looking forward to pushing my claim through and showing CAG the money at the end.

[nettyg]

hi rita welcome to the forum. nice to see that somebody is doing their homework in preparation for their claims. hsbc are really taking the pizzle by not sending your statements before now.... i'm sending a link just incase they don't send them within 40 days.

 

Data Protection Act - Non-Compliance - Template Letters

[givememymoney]

Good luck Rita. Have you tried looking for your statements using online banking it can often speed things up?

[Rita Skeeter]

I think I must be one of the last people left not to do on-line banking!!! What can I say? (Apart from a bad experience with a credit card company many moons ago destroyed my confidence in the system). Thanks for the suggestion, I'll definitely give it a whirl if HSBC don't come up with the goods by the end of my 40 days.

[Rita Skeeter]

Have sent SAR chase letter - by recorded delivery - telling them they are nearing 40 day deadline. Am looking forward to totalling the charges - i seem to have become that used to £125 appearing on my statements, that I've started to mentally budget for it!!!

 

(I've become totally addicted to this site over last couple of days. Can't stop reading about the battles people have been waging and the tactics the banks have adopted. Has fired me up to get out there and be part of this consumer revolution - bring it on!!!)

[oyster11]

That the spirit Rita, I found the site gets under your skin, and found the further to go in the process the more addicted you come and you will find you will be also help those who were in the same boat as you

 

Ggggrreeaat Stuff:D

 

Oyster

[Rita Skeeter]

So! Now I have access to my statements for the past 6 years, i have been charged £2,131.00 in excess overdraft fees:mad: and have debit interest that totals £431.79. Just thought I'd keep you up to date. Off to do lots more reading before sitting down and sending prelim letter tonight!

[lateralus]

don't know how computer literate you are - so don't take offense if i offer the easier instructions i wrote for someone - as you mentioned not doing on-line banking before and also mentioning o/d interest - it must be done correctly - so...to that end.... try this thread - i wrote it how i could understand it... you are welcome to use it - it's post number 26:

honeygie v HSBC *****WON*****

take your time and get it right. put the letter off one more day if it means getting it all done correctly.

[Rita Skeeter]

No offense taken! Just grateful for the advice and pointers. You'll be glad to know that this site has helped me to get over my on-line banking fear (I always thought some flashing red light and loud buzzer would go off any time I tried to contact them - 'here's the person that owes us lots of money!' Mainly due to the fact that I have had intimidating calls from their call centre in the Philippines in the past.) Will let you know how it goes.

[lateralus]

take you time - nice and steady and you'll get it - i did. it was my son's account i reclaimed charges for - and believe me i didn't know jack shxx when i started - no spreadsheets, no legal terms, nothing! that was last june and now i can't wait to get on here and help others get their money back. you'll get your too!

[Rita Skeeter]

I hope so! This site is truly amazing - the amount of support and advice that people are willing to give just blows me away. I think the banks count on the fact that it takes a lot of time and effort for majority of people to get to grips with it all and that it will put us off. (Before finding this site, it worked on me!) Am reading my way thru the thread you sent me -thx.

[lateralus]

i'm leaving for my nightly bubbly bath soon but if you've questions post away - my dear friends netty, pete, givememymoney and loads of others will be here to help. i check tomorrow to see how you are getting on.

[Castlebest]

Think she fell asleep lattie

 

pete

[Rita Skeeter]

I didn't - honest!

[Rita Skeeter]

Lateralus you are a star! The honeygie vs HSBC thread answered a lot of my worries about the spreadsheet. Am working my through very slowly, a bit at a time (basically because I don't want to make mistakes with two pre-schoolers running riot and diverting my attention !!!), and it does seem that I'll be able to request quite a lot of the interest I have paid back. Hurray!

[Castlebest]

Thats the way Rita, just take it slowly and make sure your happy with everything you have done, and if your not ask here:).

 

pete

[Rita Skeeter]

Right! Have completed the advanced spreadsheet and my confirmed totals are £2,095 in penalty charges and £125.25 in interest. Now off to slot these figures into the prelim letter and will then be ready to fire both barrels at HSBC. I am really enjoying this!

[lateralus]

i'm really pleased you got it rita - we've helped a good few that way - there is hope for us technophobes yet!

you know what - i did this for my son and never went onto the forum until i/he was accepting an offer from dg - i just watched and read.

now, i can't keep off here - the worm has turned! but i'd never, swear, even seen a spreadsheet much less filled one in - so there is hope -

just do as pete says - take it slow - get it right and get back with questions. well done, you!

[Rita Skeeter]

Double-checked my figures, realised that had made the basic mistake of forgetting that my agreed overdraft limit has varied over the last 6 years, so went back through everything and updated the spreadsheet. New amount for interest is £242.71. Just goes to show that it's sometimes good to sleep on these things and then take another look with 'fresh' eyes!!!

 

Prelim letter all signed and sealed and posted with a big kiss!

[lateralus]

well done, rita. now start looking at the lba - and get it ready to send off 14 days after this one - try to stay one step ahead on the step by steps - then there are no big surprises.

[givememymoney]

Rita I hate to put a dampener or your celebrations of getting your Prelim out but it should make no difference to your calculations as to what your agreed overdraft limit was unless you had an interest free was this the case?

[Rita Skeeter]

OMG! gmmm, you are right. And I thought I had read and read and read the instructions! How stupid am I? I have been through and corrected the figures on my copy of the spreadsheet. The difference is £33.30. What do you think the best thing is to do? Do I send a new letter with the correct figs on or leave it and see whether they notice?

 

Sooooo deflated! I have spent ages making sure I understood what I was doing. So glad you guys are around to help. Thx!

[givememymoney]

Don't worry Rita you have only sent your prelim so when you send your LBA in couple of weeks you can update your schedule and claim

[lateralus]

sorry i didn't pick that up rita - good call gmmm! skimming again!

[Rita Skeeter]

Thanks both. Will amend when I send LBA. This whole process is like walking a tight rope - and you guys are the safety net for first-timer's like me! It is much appreciated!