How will I know?

bitemarx

Hi, I realise that Im late on the 'reclaiming bank charges' scene, but how do I know if Im eligible to reclaim any charges on my current account or related to PPI etc on my credit card?
I have a current account (advance account) and one credit card with HSBC.

Could someone tell me how I can confirm whether I'm eligible to reclaim bank charges (if any)?

Thanks
M

Premier_2

Have you read the MSE guides to reclaiming?

(You'll find the one on PPI reclaiming over on the PPI board, where any questions about that should be posted)

As for bank charges, unless you are in genuine financial hardship (or the bank has made a clear error) then there is little hope of success.
Read the sticky thread on financial hardship online resources if you think you that may apply to you.

bitemarx

Thank You. Going by the criteria of financial hardship I only check one of the many boxes, so Im guessing it's not worth trying to reclaim.

di3004

Hi there
If you were mis sold PPI, then you do not have to be in the hardship criteria to make a reclaim.

As Premier says, you can post about this on the PPI reclaiming board for help on this issue here.
http://forums.moneysavingexpert.com/forumdisplay.php?f=169

And more on reclaiming ppi here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Hope this helps.;)