Claim back any unfair bank charges! Article Discussion Area

dchurch24

That's nowt. I called this morning to find out an address to send my first letter to and the happy chappie on the other end of the phone told me that if I instigated a complaint they'd "blacklist" me "with all the other banks making it virtually impossible to get bank accounts/credit in the future".

Which of course would be illegal (that would be passing a third party personal information about you without your consent). But then what do the banks care about the law - not a lot it would seem.

I wish my bank would say things like that to me.

bookworm1363

kareng1978 wrote:

I am worried that this will result in further charges from my bank and concerned that I will be back to square 1 again...........

And in which case, you sue them again... One would hopw that sooner or later, they'll get the idea...:rolleyes:

bookworm1363

Reverend_Darkman wrote:

Hmm i got a reply just before I posted my 2nd letter this morning (better two days late than never!)

It basically says that fees are clearly stated and i should read the terms and conditions, and my claim is unenforceable.

Then tells me to basically go away, see the Financial Ombudsman as this is hsbc's final response in the matter.

There's a PDF of the reply here:
http://www.solet.co.uk/pdf/hsbcreply1.pdf



Is this one of them standard replies?

It sure is.

Reverend_Darkman

bookworm1363 wrote:

It sure is.

So should I change the opening lines of the second letter...

"I am very disappointed that you have failed to respond to me letter of the [XXDATEXX]."

to something like...

"I am very disappointed in your response to my letter dated ...."

bookworm1363

Yes. No that they read the letters anyway...

bookworm1363

sponix wrote:

That's nowt. I called this morning to find out an address to send my first letter to and the happy chappie on the other end of the phone told me that if I instigated a complaint they'd "blacklist" me "with all the other banks making it virtually impossible to get bank accounts/credit in the future".

Needless to say I'm even more determined now!

And I bet you wish you had recorded this particular pearl of wisdom, hey?

It's BS, of course. But we do advise everyone to open another bank account first, just in case they do try to trash your credit rating and close your account.

zoedunkinson

Hi

What constitutes unfair/illegal charges? Would the following count?
Unautherised o/d fee
Debit under advice
Unpaid cheque charge

I intend to make a claim. I played a sport for 5 years at international level, it's an unsponsored sport so my outgoings were often higher than my incomings. I'm proud to say - wouldn't have changed it for the world!

Think you're doing a marvellous job with this site. It's an education.

Zxx

zonecrew

Can someone advise me on if I can make a claim from my previous bank which was TSB. How would I find out my old account number??

also, I defualted quite heavily on two previous credit cards (MBNA and Capital One) this was within the past six years and the I must have paid back over a grand in late payment charges and for being over my limit charges........can I claim these back and how would i find out my old account numbers??

any help would be grateful.

bookworm1363

What constitutes unfair/illegal charges? Would the following count?
Unautherised o/d fee
Debit under advice
Unpaid cheque charge

What's a debit under advice? I've never heard it before.

The others, yes, definitely. The above, pls confirm the amount.

bookworm1363

zonecrew wrote:

Can someone advise me on if I can make a claim from my previous bank which was TSB. How would I find out my old account number??

also, I defualted quite heavily on two previous credit cards (MBNA and Capital One) this was within the past six years and the I must have paid back over a grand in late payment charges and for being over my limit charges........can I claim these back and how would i find out my old account numbers??

any help would be grateful.

TSB - Depends how long ago was your account with them. Up to 6 years ago, np problems.

C/c: - Absolutely.

Account numbers: Subject Access Request under the Data Protection Act, enclose statutory £10 fee, give as much info as you can for them to trace, any names used, last address when account was closed, and previous addresses before that, DOB, anything you can think of.