glyn and lucie v hsbc

[glyn and lucie linton]

hi,

 

 

we need to obtain a summary of all charges from our bank,do we write a letter or can we request it by telephone?

 

thanks.

[maverik1979]

clicky

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

[HSBCrusher]

Hello!

Wecome to BAG.

Take a look at the FAQ at the top, it will give you a walkthrough of the whole process.

All the best with your claim!

Crusher

[glyn and lucie linton]

hi everybody,

 

need little bit of help regarding a letter which we received from our bank few days ago,here it is:

 

thank you for your letter dated 13 november 2006 regarding charges of £6066.00.

The bank does not agree with your contention that the charges that have been imposed constitue a penalty and are therefore unenforceable.the contract between the bank and its customers is governed by our personal banking terms and conditions.in respect of overdrafts i would refer you specifically to clause 7.11 in section 2.if you authorise a payment that would,if met by us,lead your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and fee is payable for this service.

our fees and charges are clearly stated in our published price list and the circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy when you opened your account.

whilst i accept that this letter will not provide the response that you hoped for,i trust i have been able to clarify the bank's position.if you are not satisfied with the bank's response you should now refer your complaint to the financial ombudsman service,as this represent our final response on this matter.

 

 

we received this letter in the 4 january 2007 just after 12 days when we issued our claim at small claims court.

 

thank you.

[HSBCrusher]

Ignore the letter, it's utter tosh!

 

Press on regardless, you will get the money back.