HSBC (merged)

Beate

Natalieee wrote:

And As Far As I Know, The Banks Are Well Within There Rights To Close Your Account If You Claim From Them So I Would Set Up A New Account Elsewhere Just Incase..

No they are so NOT within their rights to close your accounts. Some will try to do it which is why Martin says open up another account before you start claiming, but they have no right to do so and you can complain to the Financial Ombudsman if they try. Don't be fobbed off by what the banks say.

Isabelle

Hi everyone!

Sorry if this has been discussed before, but does anyone know if you can reclaim unfair charges on BUSINESS accounts. We are reclaiming about £4500 on our joint account but my husband also had 2 business accounts with HSBC (one now closed) and the charges total about £900 and £1500 respectively. This was from when he was self-employed.
Would we have to deduct the amount they charged for running a business account, and how do we work out what was charged for true running of the account and unfair charges for going overdrawn?
Any help greatly appreciated, thanks in advance!

Edinburghlass_2

Have a read of this thread regarding claiming on business accounts.

http://forums.moneysavingexpert.com/showthread.html?t=270122

jem170884

I have emailed HSBC via internet banking on 21 February

' I write to enquire about the progress of my letter dated 12 Feb? I notice this letter was recieved on the 14 feb. As I have not yet recieved a responce I will await the post tomorrow, if I have not recieved a full and satifactory responce as detailed in this letter within the alotted time scale (by 21 Feb) I will be starting court proceedings on 22 feb.

i look forward to hearing from you.'

I wont due to lack of funds but lets hope this gives them a kick up the bum!!!!

Worth a try???

Resultied to selling all I own on ebay to keep me going for a while!!!

They replied on 24 February and said my complaint is now a priority, and I have found out that as I am on such a low income I am exempt from court costs, will be posting my court forms tomorrow!!!!

kizzi101

Thank you, i guess ive been a bit too cautious, ive opened another account just in case but hopefully i wont have to use it. Im posting stage three letter today, so wish me luck and ill keep you posted.

adamusmaximus

please help! Nearly a year ago my I had a £500.00 od and a credit card with a £500.00 limit from the HSBC. The credit card never went out of controll but due to (now to be know unlawfull) bank charges, my account went desperatly over my overdraft! The bank then forced my hand and insisted on merging the two into a very expensive managed loan. Which i have been paying of at £33.31 a month with an added £10.00 of interst on top each month. This again was caused by their ilegal charges. Can anyone help?:eek:

Edinburghlass_2

Start at the beginning and read Martin's article, link below, then read it all over again. Then follow the steps by asking for your info/statements and you will be on your way. Also have a read of the Reclaim Help Thread, linked in my signature.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

cjbaps

Sent my letter on Wednesday claiming bank charges of £1953.00 (£2562.74 with interest). If they want to close my account down, thats fine. When I was acrueing all these charges, I went to them for help and they were not interested!

Jemma_A_2

Jemma_A wrote:

hi i had an account with hsbc for quite afew years and got bank charges left right and centre they closed my account about 2 years ago would i still be able to ask for statments and for my charges back i dont know what my account number was but do know which branch i opened it with can anyone help me please

Does anyone know if i can do this can i claim bank charges even tho they closed my account about 2 years ago can i still request statments off them if i dont know what my account number is?

soworried_2

do i give them 2 weeks from the date on the letter i sent or 2 weeks from when i think they got it?