HSBC Debt UPDATED

Harassed_2

Why would a lender require this information? Troll is being disingenuous to use words like 'co-operate' and 'amicably' in this context.

The ONLY reason they want this information is to make their enforcement procedures easier if things go 'pear-shaped'. Employers name & address? Easier to enforce an attachment of earnings. Car type and registration number? To pass on to bailiffs. Employers' telephone numbers? So they can make harassing telephone calls to your work address.

Treat any request for such information with deep suspicion and refuse.

mountainofdebt

but could the form just be a 'standard' form that would be applicable to a joint account but asks questions that are irrelevant to a sole account?

Harassed_2

I don't think so. They know exactly what they're doing.

pdbmn

Hi, this is my first post on here. Due to going over my overdraft limit several times i've racked up over £800 charges plus interest in the last year which is crippling me financially, the bank just says it's in accordance with terms and conditions etc., and states that they've refunded about £50 charges somewhere along the line which is pretty insignificant though just about better than nothing.

All my emails and branch visits have come to nothing. I have several defaults and can't get credit or a new bank account so consolidation is not possible, has anyone here managed to get significant charge refunds? how is the best way to do it? Who are Metropolitan? I can't default on my charges as it just gets added on and puts me deeper in debt. I'm so glad to see a forum with other people in similar situations (though obviously I'm not glad about your debt either!). Pete, Sheffield

Harassed_2

Try these two links for help and info:

http://www.bankactiongroup.com/

and

http://www.bankchargeshell.co.uk/

inmypocketnottheirs

pdbmn wrote:

Hi, this is my first post on here. Due to going over my overdraft limit several times i've racked up over £800 charges plus interest in the last year which is crippling me financially, the bank just says it's in accordance with terms and conditions etc., and states that they've refunded about £50 charges somewhere along the line which is pretty insignificant though just about better than nothing.

All my emails and branch visits have come to nothing. I have several defaults and can't get credit or a new bank account so consolidation is not possible, has anyone here managed to get significant charge refunds? how is the best way to do it? Who are Metropolitan? I can't default on my charges as it just gets added on and puts me deeper in debt. I'm so glad to see a forum with other people in similar situations (though obviously I'm not glad about your debt either!). Pete, Sheffield

As harrassed says above visit the two links, plus have a look through the thread 'Bank charges - are they illegal' which you will find on the current accounts board.

As a direct consequence of the postings on the above mentioned thread made by dchurch24 I successfully received £1331.50 in relation to these unlawful charges.

Please take the time to read through the thread, it is 70 odd pages long, and visit the links mentioned, as you will get a result.

Best of luck!

Harassed_2

I successfully received £1331.50 in relation to these unlawful charges.

Nice one and well done. 10 out of 10 for persistence.

pdbmn

Thanks for your replies, excuse my ignorance but could i then go to a solicitor and say that i feel the bank have been in breach of contract and try to recover my charges that way?
It sounds like others have done this, unless i've got the wrong end of the stick; wouldn't a solicitor just say that there's nothing i or they can do and that it's automatically my fault that i went over my limit or the bank defend themselves and say the same if it did get to court?
From what i read, it seems that others have taken action and the bank has immediately settled (out of court presumably) without contesting.

Hope someone can clarify this for me. Pete

us,thecat&thedebt

hi all...

well we ignored the hsbc letter and now a whole month later have recieved a letter from metro...


rang them this eve account is in oh name gave account number confirmed details and she spoke to me about the account.. didnt ask whom i was or anything (think she thought i was the account holder!!!)
must sound like a mister!!!!
not that i moaning made it easier to deal with!!!

ok to the point..
Asked me if i was employed answered no (partner out of work at moment)
on benefits? No claiming JSA awaiting money (new claim)

how much do i think i can pay? £50 per month

ok will send you a payment card...

no fuss no queries no stupid irrelevent questions!!!!!!

and bonus intrest frozen!!! :j

only setlement offered at moment is between 5-10% which is better than nout!!!

so now thanks to a reasonable conversation it will start getting paid

Glad i waited for it to be taken over has made it sooooo much easier...

Thanks all

:j :j :j :beer: :beer: :beer: :j :j :j

us,thecat&thedebt

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