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

[cbrundle]

anyone got any HSBC they could share need them from 1999 really???

 

[email protected]

[jowalshy]

Phoned the printers this afternoon. Printer guy said that they may keep old copies. Told me to call back Monday to speak to someone in the office. As printers are not far from me, I will call in there and see what I can get.

 

Will keep you posted

[snowbear]

I have just found all my statements going back to 1995!

So far the only T&C's I can find is in a letter form Midland Bank - 1998 with T&C's -

"Any borrowing in excess of your agreed limit will be charged at Midland's standard debit interest rate which is currently 29.5%. Additionally a fee of £25 will be charged for any month when the balance on your account exceeds your limit, whether for one day or more."

This is too early I guess but I am going to keep searching for more!!

I guess being a horder is advantageous after all!

[snowbear]

Found the same for 2001 - Fee gone up to £27.50

[Miss Oceania]

I have the HSBC amendments to personal banking t&C valid from June 2003. No scanner though, but can photocopy and post to someone if needed. Please PM me.

 

Of note from these t&c is the following:

 

"Clause 7.13 has changed to: As well as charging interest under 7.10, we may also charge our applicable fee for reviewing overdrafts not agreed in advance on each occasion if your bank account goes overdrawn, or further overdrawn, without an agreed overdraft. We may also charge this fee when your bank account goes over, or further over, any agreed overdraft limit. This fee is to cover our management and administration costs (see the relevant price list for details of the fee)."

 

:o You mean it's not a fee for a service then HSBC???

[cbrundle]

damnit Miss O, that sounds IDEAL!

 

I may just have to chuck that in then to my bundle

[HSBCrusher]

I have the HSBC amendments to personal banking t&C valid from June 2003. No scanner though, but can photocopy and post to someone if needed. Please PM me.

 

Of note from these t&c is the following:

 

"Clause 7.13 has changed to: As well as charging interest under 7.10, we may also charge our applicable fee for reviewing overdrafts not agreed in advance on each occasion if your bank account goes overdrawn, or further overdrawn, without an agreed overdraft. We may also charge this fee when your bank account goes over, or further over, any agreed overdraft limit. This fee is to cover our management and administration costs (see the relevant price list for details of the fee)."

 

:o You mean it's not a fee for a service then HSBC???

lol.... thats superb!

I am trying to sort out an adress for these...

[nettyg]

crush i'm tiring!!! this 'old stuff' is getting to me!

i need first aid with the banging my head against a brick wall and all that

[Celicaman]

NettyG you just need alchohol refreshment, have a glass of wine on me

 

CM

[Celicaman]

Question.

Are the T & C's likeley to be the same for business as for personal accounts.

Been checking thru business acoounts but found no T & C,s yet

Will keep looking

 

CM

[HSBCrusher]

in short... no.

we need t&c s from both.

well done folks!

[Castlebest]

I have an admission to make, I never throw anything away... to the extent of building a shed to house my obsession. Only problem is its guarded by killer spiders. So far I have found Midland Bank Business T&C's from May 1997 and November 1999, I will keep looking, risking life and limb with the spiders

 

Oh yes and then dig my old computer and scanner out of the pile of old computers (about 15 of them I think) and scan them

 

pete

[nettyg]

castle.... you need to get out more!!! lol

[HSBCrusher]

Only problem is its guarded by killer spiders.

I didnt take you for the type who would be scared by a itsy teeny weeny spider.

 

[Celicaman]

I have an admission to make, I never throw anything away... to the extent of building a shed to house my obsession. Only problem is its guarded by killer spiders. So far I have found Midland Bank Business T&C's from May 1997 and November 1999, I will keep looking, risking life and limb with the spiders

 

Oh yes and then dig my old computer and scanner out of the pile of old computers (about 15 of them I think) and scan them

 

pete

 

Pete, You wanna borrow a feather duster & a bin bag

[Castlebest]

Trust me they are killer spiders, not even the local cats go anywhere near my shed and Ive never seen a rat either

[Celicaman]

I didnt take you for the type who would be scared by a itsy teeny weeny spider.

 

 

 

yea like he's scared of anything with legs but chases anything with branches

[Castlebest]

At least Im not a tree hugger, branch mugger maybe

[stax68]

Terms from Sep 1999 (NOT MUCH USE - ONLY SELECTED TERMS):

URL: http://web.archive.org/web/20000614163424/www.banking.hsbc.co.uk/terms&conditions/terms.pdf

Print info from back page: "MCP 01931 09/99 Printed by John Blackburn Ltd, Leeds 31K"

 

T&Cs from 2004:

URL: http://web.archive.org/web/20051024004400/http://www.hsbc.co.uk/1/PA_1_4_24P/content/uk/pdfs/en/personal_banking_terms.pdf

Print info from back page: "91804-1 (Pack of 10) MCP21428 Printed by Charisma Colourprint Ltd, Sheffield. © HSBC Bank plc 2004. All Rights Reserved. HBJ6202/1/0804048"

 

T&Cs from Aug 2005:

URL: http://web.archive.org/web/20050526042225/http://www.hsbc.co.uk/1/PA_1_4_24P/content/uk/pdfs/en/personal_banking_terms.pdf

Print info from back page: "91804-1 (Pack of 10) MCP24515 (08/05) Printed by Charisma Colourprint Ltd, Sheffield. © HSBC Bank plc 2004. All Rights Reserved."

 

IF YOU WANT TO HAVE A BROWSE AROUND, E.G FOR PRICE LISTS:

Internet Archive Wayback Machine

Internet Archive Wayback Machine

NB:

1. Wait until archived pages are fully loaded ('Done') before clicking on links, otherwise they may try to direct you to the original page rather than the archived copy.

2. When you follow links, you may get directed to a later version of the page - I think this is when the original version is unavailable. This could be because it was never archived, or because the 'owner' of the page has asked for it to be deleted from the archive - archive.org will always comply with such requests.

 

THIS (I.E. POINT 2) IS WHAT HAPPENS IF YOU TRY TO LOOK AT OLDER VERSIONS OF THE T&Cs. YOU CAN'T FIND ANY EARLIER THAN 2004-5, EVEN THOUGH YOU CAN ACCESS VARIOUS OTHER HSBC PDF DOCUMENTS FROM AS FAR BACK AS 2000! DID HSBC ASK FOR THE OLD T&Cs TO BE PULLED? Or is that too much like a 'conspiracy theory'?

[welshbaba]

Regarding the T & C's, would I need them from when I opened account (1989) or from March 2001 from when I am claiming?

Thanks

Sha

[jowalshy]

Phoned the printers this afternoon. Printer guy said that they may keep old copies. Told me to call back Monday to speak to someone in the office. As printers are not far from me, I will call in there and see what I can get.

 

Will keep you posted

 

 

Well I phoned the printers back and unfortunately was told as they signed a confidentiality form they were unable to give out any info.

 

Sorry guys.

[Celicaman]

Oh well it was worth a try.

Next to Plan B

oh there's no plan B Yet

[Celicaman]

Regarding the T & C's, would I need them from when I opened account (1989) or from March 2001 from when I am claiming?

Thanks

Sha

 

Ideally from when you opened the account, but in the absence of those, the most recent ones you can get, Keep watching T & C threads, im sure later ones will appear over time

 

CM

[photoman]

Just a thought here?

 

Anybody any comments if plausible?

 

If anybody has a bookkeeper, an accountant or a Financial adviser (eg someone who sorted out your pensions, Mortgage, insurance etc)

 

It might be worth explaining to them what your looking for (ie any old T&C's or Contracts), and why you would like them.

Then it might be worth a friendly ask if they would mind asking any of their other clients if they have any old stuff, and if they wouldn't mind sharing anything that was not of a confidential nature. ie ; just the general T&C's page or a sample contract with personal data removed.

 

Maybe, Lets just wait and see if any site helpers or mods have any thoughts on this before going ahead, just to make sure no laws are being broken.

[jowalshy]

Our fair fees promise

We don't think it's fair to penalise customers who go overdrawn accidentally for small oversights, so should the unexpected happen:

• we won't charge overdraft review fees to

customers who haven't gone overdrawn, or

exceeded their overdraft limit, without prior

agreement in the last six months

• we won't charge overdraft fees to customers

who go overdrawn without prior agreement or

exceed their overdraft limit by £10 or less or

where subsequent increases are for £10 or less

• we won't charge overdraft review fees

totalling more than the amount by which

customers go overdrawn without prior

agreement or exceed their overdraft limit in

any one charging month

• these charges will be waived automatically.

Note: interest will always be payable at our standard overdraft rate on any overdrawn balance.

 

 

I copied this from their "Borrowing Money" booklet dated May 2005. As you can see it clearly state that they won't penalise customers who go overdrawn accidently blah blah blah. So does this mean they do penalise people who just go overdrawn but not accidently???