Closed Account - Can I Claim

[Stethomas]

Around 5 - 6 years ago I had an account with Midland (HSBC) and left them due to the amount on charges I kept getting. Only being 17 - 18 wasn't really in control on my finances, not much better now actually but I was wondering if I could claim the money back, even though I no longer have an account with them.

 

I did send them a letter recorded delivery over 2 months ago but haven't heard anything back.

 

Any comments, much appreciated.

[dx100uk]

yes you can still claim

but there are limitations on 6yrs .

it might be wortth your while to read a few of the threads regarding pre- 6 yrs.

 

dx100uk

[lateralus]

one further thought. i've seen one claim where hsbc just caved in and refunded all charges made on an account where the claimant was under 18 at the time of the charges.

you do need to know the account number - do you have that?

if so, did you actually send an sar (subject access request) asking for the statements from that account. as it's older than 6 years - they may say they don't have the info - so, as dx100uk says - it may pay you to read - especially this thread:Calling all HSBC claimants!! Why restrict your claim to 6 Years?!! and be sure to let them know that you were under 18 during some of this time as i'm pretty sure that goes in your favour big time.

[Stethomas]

Hi and thanks for the great advise,

 

I will have a right good read through this thread over the weekend as most of my charges date back over 6 years and I get the feeling thats why they are in no rush to reply.

 

I have a signed receipt via the Royal Mail website proving my letters have been received, is there someway I can chase this up?

 

And yes I still have my account number or sort code.

 

Finally, if say I was to apply for charges made on a credit card account, would I just send the same letter applying back for bank charges and modify it, or is there an alternatively letter to send.

 

Thanks again,

Stephen.

[lateralus]

pretty much the same deal -

here's one tip:Credit cards are only slightly different in their terminology - you aren't claiming for charges for overdraft fees but for credit limits.

 

and read this link i found in the search - it's pretty helpful!

RBOS Credit Card, quick question...

 

ok, here's another:HSBC Credit Card

 

i just found these by going on the search (on the blue line near the top which starts with user cp on the left - -- about half way across is a search - i put in hsbc credit card and got that, i first put in credit card and got loads. so, just read up - you'll get there.

[Stethomas]

After about a 2 month wait, I finally have my statements back from the HSBC, however they only date back to Feb 2001 - Aril 2003 whin I closed my account. What do I do about the charges I occurred before this date?

 

I had an account with them from 97 and starting getting charges around 99.

 

The statements they have sent me show charges amounting to £159. Can I claim the interest on this amount to date or only upto 2003 when my account was closed. Or can I not even claim intesrest full stop.

[Stethomas]

After about a 2 month wait, I finally have my statements back from the HSBC, however they only date back to Feb 2001 - Aril 2003 whin I closed my account. What do I do about the charges I occurred before this date?

 

I had an account with them from 97 and starting getting charges around 99.

 

The statements they have sent me show charges amounting to £159. Can I claim the interest on this amount to date or only upto 2003 when my account was closed. Or can I not even claim intesrest full stop.

[freakyleaky]

You can claim interest to date on the ammount but the advice given on this site is not to ask for interest until it goes to court. As for them not sending you data pre 2001, I think crusher is the man for that subject. Send him a pm and he should be able to help:)

[Stethomas]

Hi and thanks for the advise once again,

 

HSBC have offered me £26 which is all I am entitled to as all other charges date back over 6 years.

 

Should I accept this or ask for the amount shown on the statement £159.

 

Thanks in advance,

Stephen

[jowalshy]

The choice is yours, but bear in mind that if you decide to go for the full £159.00, and go down the court route, your claim will probably get stayed (put on hold until the outcome of the test case in January). Also, if you do go down the court route, you will then be entitled to claim the statutory 8% interest aswell.

 

The choice is yours. Ask yourself whether you are happy to accept their £26 or not.

[freakyleaky]

Personally, unless you are in extreme finacial dificulties and you need the £26, I would definately go down the court route. It would be more a matter of principal than anything else with the ammount of money involved!

Good luck and just shout if you need help!