I need your help! Do you have any old T&Cs?

[HSBCrusher]

I am looking for some old T&Cs (terms and conditions) please... does anybody have some hidden in a drawer or old cupboard?

 

Its quite important!

 

Thanks for your help.

 

Crusher

 

EDIT please email whatever you have (preferably pdf) to alan@consumeractiongroup. co.uk and pop a message in this thread.

[stax68]

Crusher,

 

I've just posted some partial T&Cs from 2003 if that's any help: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/90720-help-please-terms-conditions.html

 

I'd like to see some more organised info sharing, since these T&Cs are what we are basing the main plank of our case on. Surely between the lot of us we must have a complete set. It's just a question of getting the message out to those who have them, and then of course getting the text off the page and onto the website.

 

cheers

 

stax

[HSBCrusher]

thanks stax.... just what we are after.

where did it come from?

we need pdf files really.

this is something we are working on.... watch this space!

[HSBCrusher]

please email whatever you have (preferably pdf) to alan@consumeractiongroup. co.uk and pop a message in this thread.

[stax68]

I scanned them and ran the result through an OCR (optical character recognition) program. I can scan the two sets I've got and save them as PDF though, no problem. I'll mail them as you suggest. I'll be very interested to see some of the older versions.

 

BTW I can convert any sort of image files to pdf if anyone needs that sort of thing doing, as well.

 

cheers,

 

stax

[HSBCrusher]

thanks stax, very much appreciated!

[stax68]

No probs - it's a start, anyway. I'll be watching for new developments!

 

Anyone who has any T&Cs: remember, once they are displayed on the site you will be able to get advice on them. And if you send the ones you have, other people are more likely to take the trouble to send the ones they have - which may well benefit you. It's not necessarily only the T&Cs that were in force when you opened the account that are relevant.

 

It might be worth pointing out for those who don't have access to a scanner that it is possible to get usable images with a digital camera if you have one - and a steady hand. Even some mobile phone cameras might be hi-res enough. It doesn't always give good enough results but it's worth taking 5 minutes to try it if the alternative is that you wouldn;t send them at all.

 

Some basic tips if you really have to use this method:

• Set the camera to take the biggest picture at the highest resolution.
  
• Lie the document flat in bright sunlight.
  
• Bend over it so you are photographing from directly above the middle of the document.
  
• If you need to use flash, be aware that you can get bad reflections/glare off shiny pages so you may have to take the picture from a slight angle, i.e. not directly above the middle of the page.
  
• Make sure not to cast a shadow.
  
• Try to get the camera close enough so the page fills the viewfinder with just a little bit of space around the edges.
  
• Don't try to photograph two pages together.
  
• You can photograph a single page in two halves if necessary.
  
• Don't get so close that you can't focus.
  
• Don't use zoom if you can avoid it.
  
• Don't worry if part of the opposite page is in the picture - it can be masked out later.
  
• Keep as still as possible when pushing the button, obviously.
  
• Photograph all pages including the front and back covers.
  
• Save the pictures as bmp or tiff files if possible.
  
• Try to avoid using highly compressed formats like jpeg.
  
• It may add a frisson of excitement to an otherwise dull process if you pretend to be a spy who could be discovered at any time by the Gestapo.
  
• Er,
  
• That's it.

But it is a lot easier to use a scanner if you possibly can.

 

cheers,

stax

[querkyone]

Hey Stax,

 

Could you email me PDF copies of the two sets of Terms and Conditions please. Have PM'd you with email address.

 

Mucho thanks in advance and please holler if there is anything I can help you with.

 

Querky

[manicblonde]

I have my mum and both my sisters (along with me) going through our old paperwork (and boy do we have some old paperwork) as we speak!! I have only ever used my scanner once before so do I juest scan and then attatch them to an e mail and send them to the above address ?

[querkyone]

ManicBlonde,

 

It could be both simple or complicated depending on which type of scanner you have and the software controlling it.

 

Simplest method I would suggest is the following:

1. Open a New Word Document (or other similar Doc).

2. Select from top menu:

a. INSERT

b. PICTURE

c. FROM SCANNER

Do the above for each 'page' of the leaflet you want to scan in and add it all to the same document. Make sure you SAVE it.

Job done.

 

PM me if you need any help and we'll arrange something

 

Querky

[rob-the-viking]

HSBCrusher, I got this attached to the terms and conditions I received in October last year, unfortunately I think I threw them in the bin! I'll have a rummage later and let you know. If this is of any use let me know and I'll email it to you, wouldn't want to clog up your inbox if you don't need it!

 

 

 

hope this helps

 

r-t-v

[rob-the-viking]

found t&C with effect from 1 December 2006, any use?

[HSBCrusher]

thank you rob.

[welshbaba]

I have found T/C from 2/12/04 - but this is re;overdraft facilities. Any use???

Sha

[Audreygreeneyes]

Does anyone have T & C from Nov 1995??? am going to write to bank today asking for a copy but doubt they will supply this quickly. or do they not really change?

[stax68]

Everyone who has any T&Cs - yes, please do send them to alan@consumeractiongroup. co.uk. We need to build up a history of this stuff.

 

For what it's worth I'd recommend that scanning the whole document including front and back covers, using greyscale rather than black and white if possible, and using the highest quality you can - they don't call it 'small print' for nothing!

 

It's recommended to save the scanned images as a pdf file, but if you can't do that for any reason, send the images - TIFF or BMP files are better than JPEG as there's less likely to be distortion of the image. If in doubt as to how to do it, ask on this thread.

 

Manic Blonde: sounds like you have a real Aladdin's cave there. Please send everything you can - hundreds of HSBC claimants will be eternally grateful! I'd suggest sending the oldest stuff first as this is likely to be the most scarce. If you are still having trouble with the scanning, post details of your scanning software and the model of scanner you're using and I or someone else will be able to give you detailed instructions.

 

cbcb - might be a good idea to start a new thread for the legal arguments - but post a link to it in this thread so we get notified. I have a few ideas too, as I'm sure do others - it would be good to get a discussion going.

 

Alan/admins - I assume you are working to make this stuff available on the site - thanks for your invaluable efforts.

 

cheers all, stax

[Guest bong]

have lots of t&cs, the oldest being Jan 1997, but no scanner.

[rob-the-viking]

OK, so I phoned HSBC this afternoon and spoke to a lady who sounded quite helpful. I requested to be sent copies of Their personal banking terms and conditions from today and then every revision dating back to to 1996 (when account was opened). After a short while on hold whilst she spoke to the relevant department, (of filed her nails or what ever!) she said that she'd get them in the post to me.

 

I'm not holding my breath but if i do get them I'm scan them all and forward them to you HSBCrusher.

 

 

r-t-v

[pinkduchess]

• It may add a frisson of excitement to an otherwise dull process if you pretend to be a spy who could be discovered at any time by the Gestapo.

lol - I like it

 

Ive found these for HSBC - personal banking

 

1. Booklet Personal Banking terms & conditions - valid from Dec 2006

 

2. same as above - valid from Oct 2005

 

3. leaflet - changes to od charges and t&cs - valid from nov/dec 2004

 

 

let me know if you need them

[jowalshy]

Well done Rob.

[cbrundle]

for what's it's worth & no doubt yo ualready have them but i've forwarded the Personal banking terms & conditions from their website to Alan.

 

publish date of December 2006 (46 pages long, but doesn't include their "price list")

[jowalshy]

I just phoned HSBC aswell to see of they could send me a copy of the terms and conditions that applied to my account when I opened it in 1994. The lady told me that they do not keep any old terms and conditions but she will send me a copy of the current ones. Lets just hope that the lady that Rob spoke to can do what she said she will do.

[rob-the-viking]

I am hardly holding my breath, hopefully HSBC will surprise me!

[HSBCrusher]

great work folks!

[Celicaman]

Hi All

Just a thought

T & cs are printed , right !

they are printed by a printing firm, Right

anybody guess where this is going

Find out who does the printing and see if they have archive copies of printed T & Cs

Name of printers may be along bottom of leaflet

This may work if each bank uses same printers each time, even staff of printers may help to get copy

Just an idea

 

CM