TheBarman vs HSBC

[Askthebarman]

Hi,

 

I have been reading through this site for a few days now and have decided to take action against HSBC to try and get back some of the numerous charges they have levied against me. (I have worked out they have taken roughly 2.5k off me in the last 6 years)

 

HSBC is not my main current account and I can afford for it to be closed, what I cannot afford for them to do is to recall a loan I currently have with them.

 

Has anyone had any experience with HSBC closing their accounts?

 

Can/Will they try to close all of my accounts, not just my HSBC current account?

 

Any advice much appreciated

 

The Barman

[barracad]

It is unlikely they will close your account, but it is a possibility.

 

They cannot demand immediate repayment of a loan because of your actions - your loan will be covered by a seperate contract.

[Askthebarman]

Wow,

 

That was a quick reply,thanks Barracad.

 

 

That's just what I wanted to hear.

 

 

Let battle commence !!!!!

[HSBCrusher]

Let battle commence indeed!

I am in a very similar situation to you, I put in my moneyclaim in today, for a similar amount plus loads of interest.

Power to your elbow!

[Askthebarman]

Hello,

 

Just hoping somebody could clarify the following for me:

 

 

1) Should I itemise penalty charge refunds on my schedule of charges, or just deduct from the full amount I am claiming?

2) I have built a schedule of charges from my online banking statements, is it still necessary to send the request via DPA to have a statement from them on 'Manual Intervention’?

3) Do you think I should include £10 card 'misuse' fees?

 

 

Thanks in advance

 

 

AskTheBarman

[maverik1979]

1. you cant claim for something they gave you back, only claim for what they havent given you back

 

2.i would say not , as your preliminary letter has the required wording to get an answer to the manual intervention question, i personally havent done a dpa, just went straight to preliminary after checking my statements online

 

3.absolutely

[Askthebarman]

Prelim sent 09/06/2006 - Deadline for response 23/06/2006

[Askthebarman]

It looks slike HSBC have just realized that it costs them far less to comply with refunds in the first instance rather than contest any claim.

 

Has this happend to you ?

 

Did you need to sign a confidentiality clause ?

[Bookworm]

PLS STAY ON ONE THREAD!

3 SEPARATE THREADS MERGED.

.

[Askthebarman]

Prelim sent - 16/06/2006 - no response

 

LBA sent - 26/06/2006 - Lets see them ignore this :grin:

[maverik1979]

stick in there, not long to go now

[Askthebarman]

Prelim sent 9th june , offer of £2000 out of £2200 rcvd 28th june.

 

Accepted.

 

No non discosure involved, although their new letter states that they are doing this for commercial reasons only becuase of the costs involved of defending this claim.

 

HSBC are still are not officialy accepting liability, although they obviously know they dont have a leg to stand on.

[Askthebarman]

Dear blah blah blah

 

Thankyou for you offer of £xxx in relation to full and final settlement of the issues raised in my letter dated x/x/x

 

I hereby accept your offer and subject to full payment being made within 7 working, days regard this matter as settled in full.

 

 

love and kisses

 

ASB

 

:grin:

[Clozzer]

are you taking their first offer rather then going for the full amount?

[Askthebarman]

I am thinking about it.

 

Their offer was only £200 shy of the full ammount.

 

What do you guys think ?

[barracad]

It's entirely up to you.

 

But personally I wouldn't settle for anything less than the full amount - at the end of the day it's your money, and to me £200 is a lot of money so why should you let them keep it?

[maverik1979]

plus dont forget all that 8% interest goodness