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Is it worth it? Closed account with debt collection


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hiya, long story!

I had an account with hsbc which they closed about a year ago because i defaulted on a loan i had with them, which is now being dealt with by DG Solicitors. I only pay £20 a month towards it but i know I had a lot of charges on the bank account. I had a £6000 loan which i was paying fine at £150 a month but then HSBC started charging me about £130 a month in charges and i was unable to pay the loan payment as well as there charges, i went to see my bank to see if they would stop charging me because i couldnt afford to repay the loan and they suggested taking out a loan for £10000 to repay my loan and overdraft, saying it would be cheaper at £250 a month rather than my £150 plus charges, they also told me that the bank manager would only accept my loan if i took out PPI, i dont know why i agreed but i did. to cut a long story short HSBC stated issuing me with charges again on top off my aready massive loan and i could afford to pay so it was passed to DG and the account closed.


Am i able to claim charges on this account, think there will be quite a lot which could go towards my loan balance which is still outstanding at about £8500, or is this going to cause me more problems?

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Hi, the short answer is OMFG yes you can!! all of it charges and very likely the loan, but you need to have all your statements first, and you need to have a jolly good read of this thread : http://www.consumeractiongroup.co.uk/forum/natwest-successes/17630-thecobbettslayer-natwest.html


Its a huge read, but well worth the effort and very relevant, you also need to start a thread in your own bank section. any questions, come back and ask



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