chrisplettuce v HSBC

[chrisplettuce]

Ok, i'm a virgin here so please bare with me I'm about to claim back charges from HSBC (I just found out tonight the (edit) ******** charged me over £150 in charges this month alone) and wondered as my wife and I have both joint and single accounts, would the £10 charge cover them all or just for each single account? As we are with three banks I plan on hitting them all for the money they've (edit) off us over the years. Also, should I claim back further than 6 years or just for the 6 years?

 

Thanks in advance for any help you may give and also for this wonderful site

[nicsussex]

Think the above post will be edited - please don't use potentially libelous terms. I know it is an emotive subject but you will get much better rfesults if you stay calm. You will also find that you get much better response if you post your thread in the HSBC forum

[Rayne]

As I understand it, the £10 charge would be per account although HSBC in a lot of cases have waived this.

 

If you read http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html#post712882 that should explain more about the 6 year limitations thing as it has recently changed.

 

Welcome to the forum We all get a bit emotional dealing with these...erm...whatevers...play an online game and blow stuff up, it helps believe me

 

Any questions just feel free to ask, we're all here to help

[oyster11]

Hi Chris

 

If it was me I would send of a request for each of the individual account

£10.00 however They won't cash the £10. As they are obliged to send you the statements without charging you, I would say you will get a letter soon with the Original cheque. With a Copy of your statements as requested will be posted to you in the next few weeks after that.

 

 

in the mean time Just keep looking at the postings they will give you a feel for timescales etc just look at the dates of the individual threads.

 

 

It may fell a little slow to start waiting for statements, once you get them the pace pick us as you are in control not them

 

 

 

If it's any consolation the £450 in charges in 6 week that made my eyes water when I went through my statements.

 

 

 

If you do it step by step using the Guides then you do just fine..

 

 

 

Oyster

[Rayne]

As I recall, they CAN charge for providing those statements under the DPA, they just choose, for whatever reason, not to in a lot of cases.

 

Oyster, that £450 would make my eyes water as well...well harsh tbh

[oyster11]

TBH, I think a lot of peeps will be surprised when they got through the statements as to what they get charged if they are / were like me head in sand motiv - Not any more got it sorted now.

 

Oyster

[Rayne]

Yeah I was a bit like that as well until someone mentioned it on the school run one morning.

 

MS Excel is great for working stuff out as well as you go along through the statements, although I wish I'd used the one on here now.

[nettyg]

we've all been at that stage of 'despair'!! then we get the idea placed in our heads from 'whatever' source to get even. and bwoy what a feeling when that cheque/credit in the a/c comes your way - we win... simple as that!!

 

key is... do your homework so you understand what you're doing, don't be impatient - after all, you are claiming for money that you thought you'd never see again, and ask as many dumb questions as you see fit!! better to have asked the question than to try and correct a mistake after the event.

 

good luck... we're here if you need us!

[chrisplettuce]

Appologies for getting emotional everyone, it just really me off you know. I had a bad patch last April where I was diagnosed with chronic prostitus and had to give up a very well paid job (well, very well paid to me anyway) and I have been stung something terrible with charges on both my bank accounts and also my credit cards. Can I also get back the charges for my credit cards?

[Castlebest]

Yep credit cards are fair game too there are forums for them here so its best to look in those the get an idea of whats going on.

 

pete

[chrisplettuce]

Thanks for the advice everyone. Good to know there are people out there who can help out

[tomcody]

Hi chris just wondering if you have access to online banking you can print off the last 6yrs of statements there! Good luck!

[chrisplettuce]

No my friend I don't use online banking

[tomcody]

Oh well just a thought! Anyhow whilst your waiting it will give plenty of time to read up and get prepared!! Best of luck......not that you'll need it!

[chrisplettuce]

I'm a very patient bloke so waiting is not a problem