Herbert takes on HSBC

[lloyd_]

Hi Everyone!

 

I have been following this saga for a while now and thought i'd hop on the band wagon, as from my uni days i've never recovered mentally or physically........... but definitley not financially!

 

Please could a few kind people guide me through my claim against HSBC's unfair bank account charges. I would be so grateful.

 

I also have a NatWest account and credit card that i will be pursuing, but i'll enter the details on the Natwest forum to try and keep things organised.

 

My first question's are:

1. The accounts have been closed by me, but i take it they still have legal obligations and must honour my requests for the detailing of bank charges i have paid and if unfair these charges to be returned (?)

 

2. Who should I send the first letter to? My holding branch? Or to the big boys in the city or wherever they crawl to?

 

Many thanks!

[pinkduchess]

hello lloyd & welcome.

 

lots of people here to help you along.

 

firstly - have you got your all statements? If so have you done the spreadsheet?

 

I sent my first 2 letters to local branch but they all end up with our favourite uncle colin at Leeds so you could send them there.

 

and yes you can claim on a closed account.

 

Good luck - any questions (however small) - just ask

[lateralus]

1. makes it easier if you still have the account numbers but as for being closed - makes no difference.

 

2. doesn't matter - but if you need to do the subject access request for your statements - use this addy:HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

Tel 08456 028006

 

Fax 08001696143

 

 

 

here's the bible - Newcomer? Here's A User Guide

[lloyd_]

Not sure what you mean by the spreadsheet have printed off the Subject Access Request letter and sending to:

 

HSBC Bank Plc

Service Quality Team

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

I will then check these against my own statements, and after getting the total sum owed will calculate the interest. A few quick questions:

 

Who do I make the cheque payable to? and also do I have to keep the letter exactly the same or do I have free reign, must I keep the "claim it back" trademark thingy at the bottom?

[lateralus]

cheque to hsbc bank plc.

no, you don't have to use the copyright.

 

as long as you are here using the facilities - so to speak - would it not be a good idea to stick to the tried and tested methods which have proven so helpful in getting peeps their money back.

by this i mean - when you get your statements - made a list of all the charges you are reclaiming - you should then use the spreadsheet provided to calculate the interest - the 8% interest we don't ask for until a claim is filed with the court. the actual spreadsheet, once completed, becomes a very efficient, well recognised form to use to send your list of charges to the bank. every step of this has been refined and done for a reason - so why not use it.

here is the method:Newcomer? Here's A User Guide

[lloyd_]

Cheers for that info, my letters 98% the same just changed the last but one sentence regarding the usual address, as I have moved a fair bit and in the middle of moving again, and I will use the spreadsheet when the time comes. What a great site.... people helping eachother, is this really the 21st Century haha! ta

[lateralus]

yes, we are all people who have reclaimed charges or are doing so now.

[lloyd_]

Don't have a chequebook any longer will a cheque from friend or family do?

[lateralus]

yes

[pinkduchess]

or postal order (leaving the payee blank so if they return it you can cash it easily)

[lloyd_]

Hi again, I sent HSBC the letter Subject Access Request form on the 6th of June and have not received any details or even communication from them yet. I was wondering whether it would be a good idea to phone or to whom I should write, the same address? and if so what should my communication include? Cheers everybody.

[lateralus]

i think it's worth reminding them with a call or a letter.

then if you get no joy - you use these:

Data Protection Act - Non-Compliance - Template Letters