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Don Vs HSBC


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Hello folks,

 

Thanks to Martin Lewis and Consumeractiongroup for sharing the tools so I could take action. I am planning to reclaim just under £1000 from my bank.

 

Like everyone I was very surprised when I totted up the charges and realised just how much had been drained from my account in 3 years. During the years prior to 05/06 there were lots of standing order recall fees etc, but since mid-05 there has been a monthly deduction of 'TOTAL CHARGES TO [DATE]', which have really hacked me off.

 

I wrote to the bank requesting my statements on 24-May-06 and received a reply approximately 7 days later. They were kind enough to waive the £10 fee for the statements.

 

I posted my request letter on 21-Jun-06 asking for a refund of the charges.

 

I'll endeavour to keep you all updated. Like I say, a HUGE thankyou to this site for helping me to get informed and giving me the confidence to go for it instead of sitting back and accepting the charges.

 

One tip I can give to anyone trying to find the charges from lots of pages of statements. the 'Transaction Type' (second column in the statement I think) was always listed as 'DR' on my statements - this helped me find the charges very quickly.

 

Cheers,

 

Don.

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best of luck to you, any questions, feel free

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 2 weeks later...

Come in HSBC, your time is up!

 

No reply from the lazy bank, so it's time to send in the long arm of the law. Today was the deadline day, and I've heard nothing. Tomorrow I'm going to file with MoneyClaim, get that all sorted and then head off on holiday.

Once I come back, I'll have 7 days to wait to find out if they can be bothered to acknowledge it or not.

 

Bring it on, you thieving punks!

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provided you've already sent in you charges breakdown, i would say that when you get back you will have a letter from dg solicitors, for full payment, well done you're nearly there :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Thanks Maverick. Quick question, actually. I haven't received ANY correspondence back from the bank, and I notice that on Martin's Moneysaver site, there are 4 things which should happen - receiving nothing isn't one of them.

 

I did send the item recorded delivery. Should I wait for the bank to get back to me, or just go ahead with the MoneyClaim site?

 

Cheers,

 

Don.

 

/edit - just answered my own question by searching the forums!

I see now that I need to use the branch address.

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which address did you use for your correspondance?, and did you get confirmation of delivery?

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Should I wait for the bank to get back to me, or just go ahead with the MoneyClaim site?

 

Well you only sent the prelim on 21st June, so you now need to send the LBA before starting a claim.

 

I suggest you read through the FAQs thoroughly as you are intending to start legal action against a firm with virtually unlimited funds - if you had read through the FAQs you would know what to do if the bank doesn't respond, and you would have known that there are 2 letters to be sent.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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  • 2 weeks later...
Well you only sent the prelim on 21st June, so you now need to send the LBA before starting a claim.

 

I suggest you read through the FAQs thoroughly as you are intending to start legal action against a firm with virtually unlimited funds - if you had read through the FAQs you would know what to do if the bank doesn't respond, and you would have known that there are 2 letters to be sent.

 

Ahem Ahem... I have read the FAQs - see my first post - "I posted my request letter on 21-Jun-06 asking for a refund of the charges." - that was the LBA. :) Thanks for the cautionary advice though, appreciate you taking the time.

 

Maverick - the address I used was the local branch, sent recorded delivery - checked and all had been delivered.

 

Have returned from holiday and the matter is now closed. Will be making a donation to this site as a thankyou, you are a great resource and have been a huge help to me.

 

Thanks very much.

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fantastic, great news,

 

maverik's crystal ball strikes again :D

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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