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Penquin v's HSBC (getting started)


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Hello!

 

Forgive any bad etiquette this is my first time!

 

When filing in the spreadsheet column for interest charged, do I include the interest charged ONLY on months when bank charges are made? There was one amazing year in six when they did not charge any bank charges (but they did interest!). Do I leave this period of interest charged out of the spreadsheet?

 

Secondly do I put the balance down at the point of interest being charge (27th of each month) or the end of each month?

 

Thanks again,

 

Trigger.

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  • 2 weeks later...

Claim all worked out £750 + interest and sent. Checked recorded deivery and they had it on the 28th June. I'm looking forward to it but the girlfriend is very nervous!!! Finger crossed! Thanks for the info, spreading the word.

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nervous? I haven't been this excited in a long time!!

Good luck!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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  • 2 weeks later...

Hey!

 

Well, as expected the prelim letter was ignored totally. I have the next one almost ready but was wondering about leaving the blue paragraph in?

 

Anyone have some advise? Is it easy to make this complaint? Will HSBC be more or less helpful with this included?

 

Thanks for info, still keen, mean and ready to get the cash back!!

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hmmm, just read the notes on it, and don't think it would do any harm! Think I am going to add it to mine!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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if you're referring to the line which indicates you will be making a complaint to the ombudsman, it will not make any difference to you getting your money, but if you do want to put the line in, make sure you do actually go ahead and make a complaint

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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Reply from the prelim letter came in .......... offering 700. I was up for the scrap but it is the girfriends account and her decision.....took the money and ran for the hills. Still .......... 700 for a letter and basic maths!!!! Since the letter we know of at least 10 more people gunning for the cash! Good luck to all.

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Hey, £700 is nearly all your claim! don't blame you...well done!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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