Successful claim against HSBC *WON*

[Lilmerricks]

I heard that people had been able to claim back charges a few months ago, but I thought it would be too much hassle to try. This was until I got a letter from HSBC this week saying that my overdraft fee is £100 this month plus £15 debit interest! I could not believe it!! £100!!! How can they justify that?? I have decided that I really need to claim back if I can - what have I got to loose? It will certainly sort my overdraft out and then stop these fees! I sent a DPA request to them on Saturday. I know it will be a huge amount, but I can't really guess. I know I've been charged about £80 in the past.

[Lilmerricks]

I think I'm going to have a go at my credit cards as well as it is their interest that puts me over the limit. Also, I get late fees when I pay 2 days before hand on line and phone calls almost a week later saying I have not paid. I've had it with them and I'm going to sort it out once and for all!

[Guest Lueeze]

Any fee's apart from those added when a service was provided (like setting up a overdraft-Banks can charge for this) are claimable....

 

Get them all for the last 6 years!

 

Good Luck

 

Lou x

[Lilmerricks]

I sent off my DPA recently and when I received all of my statements (about 30 individual letters on my door mat) for the last 6 years, I worked out that since I got made redundant from my job exactly a year ago, HSBC have charged me £575 in charges. These ranged from £30 'Card Misuse' to simply £100 'Total charges'. The 'Total charges' seem to me different to 'card misuse' as it was taken separately. As I was over my overdraft limit for over a week, I think they just keep charging more each day and it accumilates.

 

I sent my initial letter off to Phil Beaumont at HSBC in Leeds in the 1st of June and got a response yesterday - conveniently exactly 14 days later. The letter came from a Colin Langdale in the Service Quality team. They obviously have a whole department dealing with these claims now! Anyway, the letter reads:

 

"HSBC is... mindful of the management time and irrecoverable legal costs that it may incur in relation to such a claim. For those commercial reasons alone, and without any admission of liability whatsoever, HSBC is prepared to make a payment to you in the sum of £500 representing the charges applied in full and final settlement of this matter"

 

I am so pleased with this - it was effortless and cost me the price of a recorded delivery letter. I said if they only offered my £300 I would take it further, but £500 is almost all of the charges and I am choosing to accept this. If only because I am going on holiday in July and need the money in my bank account ASAP!!

 

I tried this with Virgin Credit card and got £70 refunded immediately as well!

 

Thank you so much for this site. Without you, I would still be £575 down and struggling for holiday money and my overdraft! As soon as I get my money, I will be donating 5% to you as gratitude

[Bookworm]

Congratulations!!!!

 

[Janet-M]

CONGRATULATIONS

[topload]

Hi mate, congratulations on your claim.

 

Could you tell me roughly how long it takes from sending your agreement letter back to having your money credited into your account.

 

Cheers

[maddison]

WELL DONE U!!!

 

We are just about to start the process with Lloyds TSB & Capital One.

 

This site is absolutely fantastic without we wouldn't know where to start. We have over 6yrs worth to claim when my husband was or tried to be self-employed.

 

We to, if successful would be only to happy to donate 5% of monies recovered after all we thought it would be totally impossible to claim back monies taken (making our lives a misery) in the process but now this site has opened our eyes.

[Lilmerricks]

My acceptance letter went back on Friday by recorded delivery. It stated that if I did not reply within 10 days, then they would take it I was declining their offer. I will update as soon as I have received it to let you know. Iam going on holiday on the 10th July, so I'm hoping to have it by then

[maddison]

WOW I hope when we start and are ultimately successful against Lloyds TSB and Capital One we can afford along awaited holiday weve never had.

 

If like us they have made you skint for many years you are totally entitled to ENJOY your holiday.

 

Well done.

 

Regards

[Lilmerricks]

This topic was closed on 09 March 2019.

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