HSBC (merged)

cumbrialasso7

bb23 wrote: »

I am just about to send off my letter to reclaim £1,330 from HSBC for the last 6 years worth of charges (most of which were taken from me when they KNEW i was unemployed!) [this was also the same time i got into the debt mess im in now]

then i plan to close my account myself (in process of setting up my parachute account, crossing fingers that the bank i applied with will accept me) as HSBC have given me nothing but sh*t for the last 4 years and no help in my financial struggles - their managed loan will take me til;2018 to pay off and i've had it 2 years already, its at 9k started at 10,500 i must have paid back nearly £2000 just in interest on that loan! if it had NO INTEREST that means it would be down to 6k or less by now the theiving evil people

anyway - i digress

does HSBC tend to just award the charges refund without too much hassle - i know 2 friends at the same local branch as me got theirs back within a month (£600 and £500 respecively)

from what ive read on here some are taking longer than others ive just sent off my request and im waiting for response, some people have got as far as the court stage. i keep looking through all the threads for inspiration.

louloujs

Funky_Fudge wrote: »

Hubby was saying earlier on the radio HSBC have anounced that they are no longer going to accept over the counter transactions from us "poor" accountholders who don't have at least £2K in a savings account with them or at least a £200K mortgage?? I'll go and get some more details... needless to say, wasn't tooo surprised :cool:

No don't worry - the only branch this applies to is Canford Cliffs in Dorset. Very wealthy neighbourhood which obviously doesn't like to rub shoulders with us riffraff...

your branch will stay the same unhelpful, overexpensive, exasperating place it probably always has been...

Funky_Fudge

louloujs wrote: »

No don't worry - the only branch this applies to is Canford Cliffs in Dorset. Very wealthy neighbourhood which obviously doesn't like to rub shoulders with us riffraff...

your branch will stay the same unhelpful, overexpensive, exasperating place it probably always has been...

LOL !! Funny you should say that.....I went to see my business account manager at hsbc a few weeks ago about opening a business account - I knew this would be tricky due to default notices on my credit file BUT i kind of hoped for the best... I was very honest about my situation and the default notices... he did the credit check, no sorry, can't help you..... so then someone recommended Lloyds TSB to me. I went there, told him how I had got into the mess, told him I was getting OUT of the mess and just need a business account with NO Credit facilities to get me started....previous debts were divorce related NOT business related - he opened the account then and there. That's what prompted me to go and STUFF HSBC and their ridiculous £150 per month bank charges. If they'd have given me the business account I would have put up with it.... so sod them. :rotfl: I want my ball back, I'm going HOME lol

wednesday1867

wednesday1867 wrote: »

Just a few questions,

This 8 weeks they say to settle, is this from the first letter asking for the statements or from when you ask for your money back?

Which phone number doesnt put you on hold for hours, tried ringing one twice, gave up after half an hour.

Does anyone know the email address, as my account was closed last year, i cant email thro the internet banking.

I sent letter requesting statements 29 Jan

Sent first letter for refund 22 Feb

Sent LBA to PO Box in Leeds 19 March

Now their time is up, but had to pay for car repairs and now cant afford to go thro with the court, so trying to estimate a response time and try to get them to settle soon. Im claiming for £1420 without interest (£1790 with interest), all my letters have included the interest, so hopefully get them to settle without the interest.

Hi everybody,

I finally got thro to them on the phone today, on the phone, he told me a letter was sent to me yesterday, now any peeps with expierence, in your opinions and looking at the dates i sent the letters off, is this letter likely to be an offer, a refusal or justa standard we are still looking into it?

Thanks

cumbrialasso7

louloujs wrote: »

No don't worry - the only branch this applies to is Canford Cliffs in Dorset. Very wealthy neighbourhood which obviously doesn't like to rub shoulders with us riffraff...

your branch will stay the same unhelpful, overexpensive, exasperating place it probably always has been...

i agree, and also very incompetent if you use the branch that i do! went in to do OH business banking with a mixture of cash and cheques, all counted up and written out in paying in book, was told by the lady behind the counter that i couldnt proceed cos the other lady had gone to greggs for a butty!!! oh and this is also the bank that lost our cheques we paid in they were missing for 4 days, and then they had the nerve to charge us £35 for going overdrawn:eek:

Funky_Fudge

cumbrialasso7 wrote: »

i agree, and also very incompetent if you use the branch that i do! went in to do OH business banking with a mixture of cash and cheques, all counted up and written out in paying in book, was told by the lady behind the counter that i couldnt proceed cos the other lady had gone to greggs for a butty!!! oh and this is also the bank that lost our cheques we paid in they were missing for 4 days, and then they had the nerve to charge us £35 for going overdrawn:eek:

PMSL !!!! oh dear, that beats the pants off of my local branch !! :rotfl:

I particularly "enjoy" their Indian Call Centre... I almost feel sorry for the poor unfortunate souls that call us at 10pm at night asking why our credit card payment is 2 hours late No, seriously, they did. TWICE. And that was AFTER I had paid the HSBC credit card via HSBC online banking. They could see both times that the money had been transferred FROM the bank account to the card and STILL Wanted to know when we would be making payment.

:money: :beer:

lol

cumbrialasso7

Funky_Fudge wrote: »

PMSL !!!! oh dear, that beats the pants off of my local branch !! :rotfl:

I particularly "enjoy" their Indian Call Centre... I almost feel sorry for the poor unfortunate souls that call us at 10pm at night asking why our credit card payment is 2 hours late No, seriously, they did. TWICE. And that was AFTER I had paid the HSBC credit card via HSBC online banking. They could see both times that the money had been transferred FROM the bank account to the card and STILL Wanted to know when we would be making payment.

:money: :beer:

lol

they really take the p*** dont they??:mad: they took a payment for a credit card that i had payed off and cancelled and they were most put out when i rang themto demand my money bacK! £115.00 im losing the will to live with them! they didnt even apologise, they just said that i would av 2 wait 5 days for it i think that they got a cheek doing that 2 u, i think it depends who the operator is and how they are feeling!!!!!!! trust me i know (i used to work in a call centre);)

louloujs

wednesday1867 wrote: »

Hi everybody,

I finally got thro to them on the phone today, on the phone, he told me a letter was sent to me yesterday, now any peeps with expierence, in your opinions and looking at the dates i sent the letters off, is this letter likely to be an offer, a refusal or justa standard we are still looking into it?

Thanks

Hi there

8 weeks will be from the date they first wrote to you. i received a second letter that was more of the same and ended up proceeding to court...am now waiting for court date which could be June...

So, if you're not so worried about getting the interest on top, you're likely to get your money back quicker by waiting the 8 weeks.

(by the way I sent my letters to Quality Service Centre at Arlington Business Centre in Leeds - is that the same place as your PO Box address?)

sick_as_a_parrot

can any one give me any advice,i have gone through the mco and have now got to the stage where the bank(hsbc) have entererd a defence.this has really freaked me out does anyone think i will have to appear in court,the amount i am reclaiming is £3,000, any advice would be so welcome

Tozer

You've not really given us much info to go on. WHat is the defence?

It is important for people to realise that the banks are going to try and defend where possible. However, it may simply be the usual stalling defence.