HSBC (merged)

Dappy_Girl

Im sorry to ask what im sure is a stupid question, but is it ok for me to work out my bank charges directly from my statements viewable online or do i HAVE to send the letter to HSBC requesting they send me the past six years worth of statements? I wasnt to sure if i had to contact them to inform them that i will be asking for my charges refunded first or if i can just write to them requesting the total amount of money they owe me?

Also please can someone confirm which charges it is that i can actually claim back ie bounced cheques, returned standing orders, and charges for going over my overdraft. Or can i claim all of these back?

Thanks in advance for your help.

H

nickmack

Dappy_Girl wrote:

is it ok for me to work out my bank charges directly from my statements viewable online or do i HAVE to send the letter to HSBC requesting they send me the past six years worth of statements? I wasnt to sure if i had to contact them to inform them that i will be asking for my charges refunded first or if i can just write to them requesting the total amount of money they owe me?

If you already know the charge details, you can start the process of asking for them back.

Also please can someone confirm which charges it is that i can actually claim back ie bounced cheques, returned standing orders, and charges for going over my overdraft. Or can i claim all of these back?

Please see the help thread in my signature for details of charges you can claim.

warburtonrichard

Hey
HSBC
Fees £1882
With interest according to calculator £2400.

I'm with HSBC. I now have an overdraft which I use about half of the time up to £1200, and most of my savings with HSBC (£5k). An HSBC Credit Card (£6k, 9k limit). I have one of their stakeholder pensions and fee paying "plus" accounts too.

Most of these charges are from about 3-4 years ago when I was rubbish at sticking to a budget, but I've not been charged an overdraft fee in about 6 months, and then it was my own fault.

Now, HSBC like me (they are throwing money at me anyway), if I go into branch, their "valueometer" on the screen shows I am VALUE: **** POTENTIAL: ***** - they make lots from me and there aren't many things left they can flog me!

So my question is, when I start claiming back, does anyone here have an experience from being in a similar position to me where I change from being a valued customer they want to keep, to being someone they are likely to drop my o/d limit right down, drop my HSBC credit card limit (they can do this even if they can't close the account), and put me on their "can't be bothered" list of customers??

Cheers

Warby

jem170884

Just spoken to HSBC and they have told me it will take up to 8 WEEKS for a decision to be made grrrrrr!!! Can you imagine if we left all our payments 8 weeks, we'd be hauled up in court and have to cover the cost!
I know have to either find £120 to take them to court (and probably hang around waiting for that long for a court date or wait the 8 weeks they have told me to. Boo hoo hoo!!!

warburtonrichard

That sounds like a delaying tactic to me, jem, stick to your timetable would be the advice from on high (i.e. further up this thread)

GEM4444

jem when I was phoning up during my claim they also told me that they have 8 weeks to reply to the first letter I sent. It is just a delaying tactic that they have. My claim took 5 weeks from start to finish.

gimfunk

Hello all, I am at stage 3 in claiming my money back, can someone help me with a few questions?

I have in the past been into my local branch in a red rage, and demanded they remove charges which they did. Should i still list these charges including the refunds?

I have list my charges in excel format, with the following headers;examle of subject.

Date of Charge;12 Feb 2002
Date For;21 Jan 2002
Charge;£27.50
Code;DR
Description of charge;Total Charges
Interest Owed;£11.05
Running Total;£38.55

Is this all the detail i need?

I am due to send the letter off asking for the charges back with interest. Should i send it off to the same address of the first letter, or to 8 Canada Square London which is main address on most of my correspondance.

In total with interest they owe me £972.38. I should charge them a proportunate admin fee for my troubles.;)

Regards
Stuart

Good luck to everyone:beer:

SonnyCash

geezza1978 wrote:

Hi I need your help.

Help me please

Hi Geeza1978

My total claim was £2020.43 including 422.43 in interest. I received an offer of £1409.00.

I did not accept this offer even though it was 88% of the claim (if you discount the interest). Instead I wrote them a "partial acceptance" letter. I also informed tham that I want full settlement or we go to court and by the way they have 7 days to reply.

I phoned up last friday asking about the offer and I had been told that an offer of £1694.50 was in the post. On Saturday I received a letter dated 15th Feb i.e one day before I phoned them up - with an offer of £1501 :rotfl: . On Monday I phoned up but didn't mention the letter I received and chased up the telephone conversation I had on Friday. Lo and behold today I got an offer of £1694.50. :T :T

Even though we are not entitled to interest before court stage I got some due to a bit of luck, human error and persistence. :rolleyes: IF it also helps - in every communciation I had I demanded the interest as well.

My advice - don't be afraid to talk to them, they have illegally charged you excessive fees - they are in the wrong. You now have a concrete offer why not push for some more.

Hope this helps

jem170884

warburtonrichard wrote:

That sounds like a delaying tactic to me, jem, stick to your timetable would be the advice from on high (i.e. further up this thread)

The problem is that hsbc charged me £120 so far this month so i cant afford to start the court proceedings!!!! :mad:

clarenic

clarenic wrote:

Hi everyone

I'm part way through a slightly complicated claim against HSBC, which they've defended.

The deadline for the return of the allocation questionnaire was 31 Jan. I phoned the Court this morning and they said that they received it from me on 26 Jan. The man I spoke to couldn't really help me because he dealt with insolvencies rather than this type of claim.

I just wondered if it is usually so slow? I realise there's probably a lot of these cases going through the Courts at the moment, but even so.

From your experiences, when do HSBC tend to get in touch again? Do they wait until a date has been set or just before a court date?

Thanks in advance,

Clare

Hello

Sorry to bump but it got a bit lost yesterday.

Thanks,

Clare