HSBC (merged)

y95kirks

I have been through the MCOL and HSBC have defended - The day before I was able to enter judgement against them - GUTTED!!

Can somebody please let me know the 'what happens next' - Is this likely to go to court now - Or are HSBC likely to offer a settlement before it gets there?

If it does go to court will I have to say anything etc?

Thanks a lot

Stuart

Penelope24_2

Hi All,

I am seriously struggling with HSBC, having sent my first letter on 14th Feb 2007 by recorded delivery (complete with 6 years worth of their internal copies of my charges - asked someone who must've been new as he just printed them all directly from their system!) shortly followed by the 2nd I have only had 1 response from HSBC which was an acknowledgement that they would be intouch.

I am really pulling my hair out - since this started I have had another £300 worth of charges as I am struggling to repay the ones I get, true this is largly due to my poor money handling skills! I have today had a letter asking me how I am going to repay £570 (this inc my £200 o/d limit). I dont know what to do next, my charges added up to over £1950 so to recieve them back would be the answer to my prayers. HSBC are really dragging their feet and I am unable to get intouch with their dedicated department who deal with the charges. All advice would be greatly appreciated!

Thank You

malcindebt

This is where many people do not get it right.

A DPA request is a request for ALL information the bank hold on you, that is stored in any capacity that the DPA covers. This includes Microfilm/Microfiche.

No matter how long ago this isnformation is from, by making a Subject Access Request under the data protection act 1998, the bank has a legal duty to issue everything they hold.

HSBC are a pain to deal with. The time limit is 40 calendar days, do not let them tell you different.

f they do not disclose all the information, send them a letter advising that you will give them 7 days to comply, then if they still do not, take them to court for failing to comply with a DPA request.

Maisie_Miss

evitaperon wrote: »

Don't talk rubbish! By all means reclaim your charges that you got as per the terms and conditions for abusing your account but dont lie about what the charges are for!:rolleyes:

Please... this forum and these threads are for discussion and support, not for belittling others. I for one have found pretty much everyone on here really kind and helpful and why would anyone lie? They've nothing to gain by it.



"Live long, be happy, eat whenever you feel like it"

Maisie_Miss

y95kirks wrote: »

I have been through the MCOL and HSBC have defended - The day before I was able to enter judgement against them - GUTTED!!

Can somebody please let me know the 'what happens next' - Is this likely to go to court now - Or are HSBC likely to offer a settlement before it gets there?

If it does go to court will I have to say anything etc?

Thanks a lot

Stuart

Judging by the amount of times I have seen posts where HSBC have defended at the 11th hour, methinks that they have employed someone specifically to sit there just before midnight, just pressing the "defend" button on all the claims, to rob people of their default judgments.

I could do that job... I really could... except I might miss the Defend button and "accidentally" press the Accept one instead... heeheehee!

:rotfl:

Maisie_Miss

vinegarvera wrote: »

Excuse me, evitaperon. How rude! I draw your attention to the orange outlined box at the top of the page.
I am not lying, Have you personal access to my bank account?? No, I thought not!

Anyway for those of you who are interested I have emailed the bank yesterday and a refund of 150.00 has gone into the account before they have even deducted the charge!! How about that for progress??? :money: :cool:
Just keeping my fingers crossed now for the full amount.
And here I was thinking "Oh No, not this whole rigmarole again".
Try emailing them when the charges are due to be applied, maybe it will work better that way?

Nice one, Vinegarva - I would try that too, if only the bank ever notified me before they put the charges on the account

vinegarvera

Maisie_Miss wrote: »

Nice one, Vinegarva - I would try that too, if only the bank ever notified me before they put the charges on the account

The advantages of internet banking!!

vinegarvera

Maisie_Miss wrote: »

Please... this forum and these threads are for discussion and support, not for belittling others. I for one have found pretty much everyone on here really kind and helpful and why would anyone lie? They've nothing to gain by it.



"Live long, be happy, eat whenever you feel like it"

Precisely! I am not the only person this has happened to if you read back on the thread evitaperon..

louloujs

wednesday1867 wrote: »

Hello Everybody,





My advice for anyone, is dont wait the 8 weeks, i had to, cos i couldnt afford to go to court, but i will be doing now, unless they settle.

My sentiments entirely...

jordan0304

Hi

I have tried looking through the threads but can’t seem to find anything about HSBC's first reply.
I sent them the template letter along with the print out from the calculator asking for the interest aswell. I received a letter today stating

'I write with reference to your letter of the 10 April 2007, regarding a request for a refund of charges incurred over the last six years.

In your letter you state the amount of £2132.49. In order for your request to be reviewed by our charges review department we need to understand the details of the refund being claimed, including amounts, dates and description of the charge (as appears on your bank statement).

Regrettably the information supplied does not have the full details required. Please resubmit in order that your request may be progressed

Your letter will be held on file, for the next 21 days pending your response.'

Has anybody else had this reply? Is it a copy and paste job? Is this simply just another step in the dance or are they being genuine? The print off from the calculator does give amount, date and I thought the description was CHARGE. Surely they should be explaining the description of the charge.

Where do I go from here? Proceed with the small claims court or send them what they want

Kind Regards

Mark