Timsta vs HSBC

[Timsta]

Hi all,

 

I'm doing my wife's charges for her, (and Mother-in-laws,) and I'm just about to request the charges back. I have a quick question be fore I mail it though.

 

We have statements going back 7 years. Is it OK to go back that for now, or is it still limited to 6 years?

 

Many Thanks

Timsta

[thunderbird]

I am not an expert like many others on here who will be able to help you more but as far as I am aware you can only go back six years. Good luck:)

[Trish76]

The Limitation Act does stipulate that you can only claim back 6 years, however there are people who are in the process of persuing beyond the 6 year limitation. The final decision must be your own but should you decide to go for the full 7 years then there will be plenty of help and advice on this site from people in the same position.

 

Good luck with whatever route you decide.

[Timsta]

Okies, thanks,

 

Another thing, I am claiming on 2 accounts. Is it ok to do them at the same time, or should they be done separately? I have made it clear that it's from different accounts, and have detailed the accounts separately.

 

Many Thanks

Timsta

[jowalshy]

As long as they are two bank accounts and not one bank account and one credit card account then I think that you can lump them together.

[bluejay]

Hi Timsta,

 

I am claiming from 2 bank accounts at the same time and not had any problems so far. I am at MCOL stage at the moment and playing the waiting game.

 

Good Luck

 

Bluejay

[Timsta]

Just a quick note to say that I have today, received a standard response from HSBC, saying that they are "looking into it" and will get back to me when they have completed their investigations.

 

They also enclosed a leaflet "explaining how these matters are dealt with." Basically, complain to the Ombudsman and wait 8 weeks. Unfortunately for them, I'm dealing with it my way, and they have just under 2 weeks.

 

[Timsta]

I sent off the LBA's on the 27th June. But I did notice that HSBC have changed things slightly, the charges are now for the "informal request for an overdraft." So if you go overdrawn they take it as an "informal request" and charge you for it. Nice try HSBC.

[Castlebest]

Hiya tim yes you guessed right HSBC are throwing up another smoke screen around their unlawful charges.

 

If it barks and bites its a dog...

 

pete

[Timsta]

Just filling in the N1 that will be filed tomorrow (woo-hoo!)

 

We will be exempt from fees (EX160) so do will still fill the in court costs on the N1 or fill in £0?

[pinkduchess]

i presume its £0 as you wont be claiming any fee back if youre not paying one