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are HSBC not paying charges back?

honda750gb
honda750gb Posts: 3 Newbie
in Reclaim bank & credit card charges
:(
I wrote to the bank asking for a print out of the last 9 years of charges and also enclosed a cheque for a tenner to cover any costs.They wrote back to me with some of the charges that I had to pay, but not all of them, saying that they have torn up my cheque, and if I need any more info on my account charges, to go on line and go through personal internet banking. I tried to do this and found that I need a code number to access my account. To get a code number I had to Phone up a call center. After hanging on the phone for half an hour or so, only to be told that "all our operators are busy. Try later" bearing in mind that the call center is on a premium number, I decided to go to the bank.
I showed the chap behind the counter my letter and explained that I need a code number to access my account on line. He said I need to make an appointment, but he also went on to say that the HSBC are not paying out any refunds on previous bank charges. So I guess he knew what I am trying to do, or is he just trying to fob me off by saying that I will be wasting time persueing this?
Can any one point me in the right direction, is it worth carrying on or will it just get thrown out?:(
Has anyone out there had any recent success with a claim against HSBC?
«1

Comments

  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    He said that verbally so no that is not correct. All banks have to deal with financial hardship claims
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • dunstonh
    dunstonh Posts: 120,319 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    s it worth carrying on or will it just get thrown out?

    Are you in financial hardship (in the FSA sense)?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    honda750gb wrote: »
    ...is he just trying to fob me off by saying that I will be wasting time persueing this?...

    It depends on what basis you are attempting to reclaim charges
    Q: Does this mean the banks won't be refunding charges?
    A: The ruling means that those customers who have complained that the charges are unfair or penalties at common law will not be receiving a refund of charges
    http://www.hsbc.co.uk/1/2/popups/fsa-charges

    So you'll probably need to find another reason ... or prove to a judge you are right and the bank is wrong :cool:
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    Premier wrote: »
    It depends on what basis you are attempting to reclaim charges

    http://www.hsbc.co.uk/1/2/popups/fsa-charges

    So you'll probably need to find another reason ... or prove to a judge you are right and the bank is wrong :cool:

    Let's not quote from the banks' own website whilst their opinion is not shared by all the legal community.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • dunstonh
    dunstonh Posts: 120,319 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    natweststaffmember wrote: »
    Let's not quote from the banks' own website whilst their opinion is not shared by all the legal community.

    Although the legal opinion is not shared by the banks (and so far the courts). ;)
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    dunstonh wrote: »
    Although the legal opinion is not shared by the banks (and so far the courts). ;)

    Which one? I was commenting on HSBC's opinion which is shared by the banks, lol. The courts have stated that they do not believe a collective challenge on the level of charges can go forwards but they were very specific that fairness may still be challenged....The Supreme Case judgement is fascinating reading :D
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • honda750gb
    honda750gb Posts: 3 Newbie
    Thanks for your comments so far,but I am still none the wiser. I would say that I was, and still am in financial hardship as I only have a part time job on a low wage. If I were to get back some of the charges it would help quite a bit. Can any one point me in the right direction, or should I just roll over and forget it.
  • dunstonh
    dunstonh Posts: 120,319 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I would say that I was, and still am in financial hardship as I only have a part time job on a low wage.

    Financial hardship has a fairly set criteria. Are you in arrears on things like council tax, utilities etc?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    natweststaffmember wrote: »
    Let's not quote from the banks' own website whilst their opinion is not shared by all the legal community.
    Perhaps not, but that is what the bank in question believes ... and so it would be reasonable, would it not, to think that represents the stance the individual bank will take to such claims?
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    Premier wrote: »
    Perhaps not, but that is what the bank in question believes ... and so it would be reasonable, would it not, to think that represents the stance the individual bank will take to such claims?

    We've done this argument before haven't we? We both read the Supreme Court Judgement didn't we? Their judgement does not necessarily support the same interpretation does it? The issue on charges being unfair is not correct but the penalty argument most definitely is out of the equation. Their argument is half right and half wrong.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
This discussion has been closed.
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