Claim back any unfair bank charges! Article Discussion Area

pji2153

thanks for the reply.
i've sent first and second letters. the reply from hsbc says interest rates are well publicised for both authorised and un authorised od. therefore they are not going to refund interest.they go on to say that if i go to the court they will win as all charges etc are set out in the info you have when i opened the account they believe they will win. BUT then they go on to say "hsbc is however mindful of the management time and irrecoverable legal costs that it it may incur in relation to such a claim. for these commercial reasons alone" bla bla bla.
they want me to accept their offer which is £1047.58 less than i first requested.
should i go to the financial ombudsman as the bank has advised me at the end of the letter?
If i just dont reply will they automatically up their offer?
cheers

princess_moomoo

Hi should i send the perlimary leter requesting charges back to my accounts branch or head office and who should i address the letter too??

Thank you for any tips x

Edinburghlass_2

pji2153 wrote:

thanks for the reply.
i've sent first and second letters. the reply from hsbc says interest rates are well publicised for both authorised and un authorised od. therefore they are not going to refund interest.they go on to say that if i go to the court they will win as all charges etc are set out in the info you have when i opened the account they believe they will win. BUT then they go on to say "hsbc is however mindful of the management time and irrecoverable legal costs that it it may incur in relation to such a claim. for these commercial reasons alone" bla bla bla.
they want me to accept their offer which is £1047.58 less than i first requested.
should i go to the financial ombudsman as the bank has advised me at the end of the letter?
If i just dont reply will they automatically up their offer?
cheers

No they won't automatically up their offer, write back and accept the offer in PART payment and tell them you are proceeding to court for the rest.

Spriggsy_2

well it looks like i might be in a losing battle here, My bank as offered a defence and now the court want to know (should i say made an order) why i think these charges are unlaw full, cant seem to get any help or advice off no one, should i just throw in the towel or waht ? been going on for 5 months now

keithkeith

I've recieved my court hearing date today, it'll be 26th February! I've been asked to file and serve a schedule identifying each and every alleged unlawful charge by the 1st December. Does this mean send them the spreadsheet? Is there anything else I should send?

Sorry if this has been answered before but I've looked through quite a few pages and noticed that this question has been asked before, but not answered in full.

Thanks

keithkeith

I've recieved my court hearing date today, it'll be 26th February! I've been asked to file and serve a schedule identifying each and every alleged unlawful charge by the 1st December. Does this mean send them the spreadsheet? Is there anything else I should send?

Sorry if this has been answered before but I've looked through quite a few pages and noticed that this question has been asked before, but not answered in full.

Thanks

Edinburghlass_2

Can you both give it 24 hours when Martin's new article will be up onsite giving a step by step guide with templates of letters which can be used.

Once the article is online a new discussion thread will be started and I'll move your posts on to that.



edited to add that in fact I can't move your posts onto the new discussion thread as you would then become the OP rather than Martin or the team member who posts the thread, so I'll shift them into the current discussion thread and that will be linked to from the new one.

Please bare with us until the new article is online and we're up and cooking with gas

taliwalliwoo

Hi and morning all,

Right i have numerous accounts with the abbey national

1 current account with overdraft of £2170 but not upto its limit
1 current account always in credit even if only a few £'s
1 savings account usually under £200 in it
2 childrens savings accounts about £150 in each

The account that is overdrawn i have calculated that the charges due to me is approx £5000 give or take this is the account obviously that i want to claim on but none of the others. what i am concerned about is that they may ask me to close the other accounts. Can they do this. obviously i would be paying back the overdraft but want to keep the other current account.

Before i proceed sending the initial letter i would like to make sure that they wont close all or most of my accounts..

many thanks Nicky

keithkeith

OK no problem, and Spriggsy, that's what they want you to do, that's why they drag it out!

dixie_dean_2

dixie_dean wrote:

Hi

I have started court proceedings againsy HSBC and they have (through solicitors) asked for a breakdown of the charges we are claiming. I have at no point provided them with a scehdule of the charges (I recently read that if you use moneyclaim... you MUST do this, however it was too late and I have made 2 successful claims without doing this). Should I just ignore this letter, should i provide them with the schedule or what?

Any thoughts very appreciated.

Cheers.

Sorry to do this but any ideas?

Cheers again