HSBC (merged)

24_Gramms

I know this sounds a little stupid but i actually have about a year and i half of bank statements which i have kept (i knew they'll eventually come in handy) from say September 05 to Now. These statements are basically where all the charges occur. Therefore i don't have to send the first letter right? Also isn't it dangerous throwing away bank statments. No knowing who might get hold of em..... Anyway to the point do i still need to the 1st letter?

jennyowen

jennyowen wrote: »

Just Followed this up with another phone call and got so worked up ended up in tears!! How annoyed must I be to start bawling, very embarrassing. However, the girl I spoke to today said that she will again pass on the message for my complaints regarding false promises from HSBC to be looked at by managers. She was really nice bless her, probably thinks I'm a real unstable loon!!

Apparently the next, were still looking into it letter was posted yesterday, wish I wasn't totally skint then I'd file MCOL immediately!!!

Sniif, sniff, pull myself together :eek: :mad:

:j :j :j :j :j :j
Just had a phone call from a manager at HSBC sayiny they'll be doing my claim on Monday, so much for it being impossible to bumo it up the list. So a message for all you aspiring claimers, if they treat you like !!!!!! then turn on the water works and freak them out on the phone! It scares them into action, with any luck I'll be reporting a more favourable side of HSBC on MOnday, fingers crossed!!!:rolleyes:

Sharronarmstrong

Hi,

my boyfriend is going through the process of recalining approx £600 from HSBC, they were quite slow but seemed ok up until recently. in mid feb he got the letter saying that they would credit his account with the money but since then he has had nothing, he has rang them many times but just been fobbed off; firstly they told him that they were experiencing a heavy back log and it would take time, then they told him to wait 5 days and see if it was credited, he has just rang them 5 days on and they wont tell him anything at all now, they have givrn him another number to ring but unsuprisingly no one will answer that one!!

strangley he got a letter on monday which was the same as his last final one but offering him £20 less!!

has anyone else had similar probs with HSBC? it is getting really frustrating now and i cant help but think they are delaying it until the new ruling comes in which means the charges paid could drop significantly, can they do that?

if anyone has any advice i would be extreemly grateful as we were hoping this was going to be our holiday fund!!

thanks in advance!

andyt76

I have a claim in with HSBC for £1641, today they offered £925 in settlement.

the speel on the letter goes like this ' In circumstances where you would like us to make a payment from your account that would if met by us, lead your account going overdrawn or over an agreed overdraft limit, we have to consider whether to make this payment. A fee is payable for this service provided by the bank, details of which are clearly set out in our published price list. The circumstances in which the fee apply are clearly set out in Personal Banking terms and conditions which you have already been provided with. If your claim for a refund proceeded to court we therefore believe we would successfully resist any legal challenge in relation to these fees.

is this just to scare me into accepting, the last paragraph got me thinking that i would lose in court!!

what to do?

Edinburghlass_2

hannahhay wrote: »

Now I can't afford to put in a court claim. Is there any way to get the cost reduced as I am on benefits? Wouldn't have been able to afford it if HSBC hadn't stuck on another £130 charges on the 4th of this month!

Any advice on what I should do?

There is a link to the costs of court and also a link regarding exemption for being on benefits in the Reclaim Help Thread, link in my signature. You need to file at your local court though rather than using MCOL.

Edinburghlass_2

andyt76 wrote: »

I have a claim in with HSBC for £1641, today they offered £925 in settlement.

is this just to scare me into accepting, the last paragraph got me thinking that i would lose in court!!

what to do?

Standard letter from all of the banks, up to you now if you wish to accept or carry on for the rest.

Edinburghlass_2

You need to send a letter before action giving them 7 days before you take it to court. The bank is only obliged to pay interest if it goes to court proceedings.

Edinburghlass_2

24_Gramms wrote: »

I know this sounds a little stupid but i actually have about a year and i half of bank statements which i have kept (i knew they'll eventually come in handy) from say September 05 to Now. These statements are basically where all the charges occur. Therefore i don't have to send the first letter right? Also isn't it dangerous throwing away bank statments. No knowing who might get hold of em..... Anyway to the point do i still need to the 1st letter?

Just count up your charges and send the claim letter to your local branch.

Edinburghlass_2

Revels wrote: »

What do you do if you sent them a letter but you've totalled the charges wrong, and they actually owe you more than you said? Do you send an amended letter or do you stick with the original amount?

You can add charges up until filing at court or MCOL.

Twinkly

Watski wrote: »

When they dont reply or reply in the negative then I'm guessing that I should just take up the process where I left off and file through the courts.

Thanks
Watski

Yes just pick up the timetable and continue with deadlines as if there were no interval.

Good luck