Bank Charges - illegal?

carlih1

Hi

Anyone sent two letters, i sent the first letter to halifax and capital one with no success haven't got enough money to take them to court yet so wanted to send them a letter before action.

Sent the first letter from the bankchargeshell website

C x

tylerdurden_167

I have just read every post on this thread over the last 2 nights and I am inspired by it.

I have paid out over £400 to HSBC since last Jan (and I still have 2 statements I cannot find so is likely to be more) and I'm chomping at the bit to get this money back.

I have a couple of queries if anyone can help ;

1) Once I have received my £400+ from the bank, should they wish to close the account, I will still be approx £550 in the red, what is the procedure towards paying this back to them ie how much time do I have or would I need to settle ASAP?

2) I have approx £40-60 worth of charges on a joint account with my partner (also a HSBC account), should I file one claim with them for both accounts or deal with each account seperately?

3) Lastly, I am sure the answer to this is No, but anyway, would they have any right to close this other (joint) account with them (eg tell me I am no longer wanted as a customer) or would this account remain "untouchable"?

Thanks.

dchurch24

Hmmm. I don't know the answer to any of your questions - post them in the other forum, where someone there will almost certainly have been in the same position.

System

Well im in the process of two claims online with HMCS.
One with Halifax and the other with Natwest.
Havnt heard anything from Halifax but the HMCS tells me that Natwest have acknowledged the claim.
I have also received in the post a notice of Acknowledgement of Service that Natwest intend to defend all of this claim.
Is this normal or standard procedure, how far does this really go?
Hope someone can give me some sound words, just feel a little worried as this is all new to me.
Thank you.

Pere_Ubu

Have a loan can a bank declare you bankrupt when they are only one of a few creditors? The others are happy to accept reduced monthly payments.

YorkshireBoy

tylerdurden_167 wrote:

1) Once I have received my £400+ from the bank, should they wish to close the account, I will still be approx £550 in the red, what is the procedure towards paying this back to them ie how much time do I have or would I need to settle ASAP?

7. Borrowing from us
7.10 Unless we have agreed other terms with you in writing, we may at any time end or reduce your overdraft limit and demand in writing that you pay any money you owe us immediately.

2) I have approx £40-60 worth of charges on a joint account with my partner (also a HSBC account), should I file one claim with them for both accounts or deal with each account seperately?

Can't answer this one, but I'd guess you'd be better suing them twice.

3) Lastly, I am sure the answer to this is No, but anyway, would they have any right to close this other (joint) account with them (eg tell me I am no longer wanted as a customer) or would this account remain "untouchable"?

12. Closing your account
12.4 If we wish to close your account, we will give you at least 30 days’ notice in writing unless there are circumstances which justify us in closing the account on earlier notice.

I think they'll find some 'circumstances', don't you?

Do you have another account you can use? Having said that, the HSBC T&C's also say that whilst ever you owe them money, you must continue to make regular credits to your account.

All in all, very worrying - wouldn't you say?

Information Source: HSBC Current Account T&C's - accessible from...http://www.hsbc.co.uk/1/2/personal/current-accounts/bank-account

Gers

http://news.bbc.co.uk/1/hi/scotland/4722288.stm


Word is spreading!

kaznelson

Does anyone know if any of the Bank have managed to defend any claims and not issuing refunds?

Any does anyone have a Fax Number for Barclays HO?

homer_j_3

I have just had a letter back from Yorkshire Bank (well its on clydesdale but its part of the National Australia Bank) saying my statements are not covered under the data subject access. I have telephoned them to say that I believe they are and that I will go to the IC if required. They have said it is fine to go to them as they have defended this many a time with them.

Is this a bluff? Has anybody else successfully claimed against Yorkshire Bank?

Just to add this is a closed account. I have just typed out the main bidy of the letter:

Quote---->

Under the DPA you have a right to see what our organisation holds about you, this is known as a data subject access request, which entitles you to be told if any personal data are held about you. The information should include what sort of data we hold, the purpose for which data is processed and the type. As your joint account is no longer open there is no available data to provide and therefore have returned your cheque.

Application for copy statements is not included in a subject access request and must be ordered through your branch separatel. We have a charging structure in place for duplicate statements and the fee is £5 per copy.

end quote

---

>

ali82

From what I've heard and by other people's comments - it is covered so don't let them bully you, they are just trying to get out giving you your information as they know what’s coming next! Have a look at:

http://www.ico.gov.uk/documentUploads/webversion%204%2004.10.042.pdf

At the bottom of page 2 (found by fagun)

I doesn't matter if your account is closed or not they still have access to it.