HSBC (merged)

neil1982

Edinburghlass wrote: »

You follow the timescale in Martin's article and send out the next letter on day 15. Please read the Reclaim Help Thread which is linked in my signature.

so that will be step 3 of the lettes?

dreamweaver406

Hi all,

I have just worked out my charges and intrest for the last 6 years from the ever quick to charge HSBC....

£5106.34 in total so should be intrsting claim..... Wish me luck and I will keep you updated on my progress over the coming weeks ect....

Best of luck to everyone claiming charges and remember don't let talk of " the banking code" put you off...... it never has and never will over rule the laws by which the United Kingdom of Great Briton and Northern Ireland are governed by".... that is a direct quote from my lawer so should be right.

GO GET YOURS
Dreamweaver406:rolleyes: :beer: :beer: :beer: :rolleyes:

billybilo

I posted my first letter to my local branch, got the reply saying it was being looked into. I am now about to post my second letter but which address do i send it to? I am with HSBC, so is there a address to use or do i post to my local branch again?

thanks

Fliss_M

billybilo wrote: »

I posted my first letter to my local branch, got the reply saying it was being looked into. I am now about to post my second letter but which address do i send it to? I am with HSBC, so is there a address to use or do i post to my local branch again?

thanks

Send it to :
Service Quality Team
HSBC Bank Plc
Arlington Business Centre
Millshaw Park Lane
Leeds
LS11 0PP

Then I would sujest waiting 8 weeks from the date of your original letter. I wrote my original on the 12th March and last week was the end of the 8th weeek/start of the 9th week. I called them up and have recieved an offer on Friday for 90% of the charges without interest. This 90% buisness is what I think HSBC are at 1st offering coz I'av heard it said alot on this Forum. Hope this helps.

deedee2665

Hiya i have a new phone number for hsbc business account holder claiming their charges back . It is

02079910233
This number goes staright through to the gentleman dealing with the business side of claims , he is called Jonathon Cuff from commercial core products , he is the senior manager there .

Hope this helps someone it did us although he only upped the offer a small amount and we will be taking it further now .

commsrep

I have successfully reclaimed in excess of 6500 pounds back from hsbc in the past few months from an account which was closed by them in November, although this was passed to a debt collector and the amount reclaimed was set off against what they state i owed them.
I am currently processing another claim through the courts for nearly 2000 this is an entirely seperate account,has a differant account number than the first and was also closed in November last year. When this account was closed by them in november the account balance was nil. )this account because it was not in arrears was not passed to the same debt collecting agency it was just closed.) I have filed in court and received a court date for the end of july with this claim, I have just heard from DG solicitors with an offer of settlement, they are stating that first of all I had claimed 2 charges back which they state are outside the 6 yr limitation, this is incorrect, I sent them a 14 day letter before action letter with a spreadsheet of all charges I was claiming on 11th january giving them 14 days to refund the charges asked for, they did not respond and I filed in court on 13th february. They are stating that as i filed on 13th feb they will not entertain 2 charges that are a few days before the date i filed. Therefore the offer made by them is approx 76 pounds short. This does not really bother me, the thing that is really annoying me is the fact they the go onto say that hsbc have informed them that my account has been passed to a debt collector and they are prepared to settle for just over 1800 pounds if it is used to pay off what i owe them. (the account they are referring to is a completley seperate account with a differant account number and is the first claim I made against them which is mentioned in paragraph 1 of this thread) The 2nd claim is a totally differant claim/account and this account was completely clear of arrears when it was closed in November and I have statements from HSBC to prove this is the case. My question is this......... i know if you are in arrears when you claim back charges that the amount offered gets set off against what you owe them, but can they ask for this for a closed account where the balance was nil when closed? As in effect it is like them saying you owe us xxxx amount on your mortgage or credit card and so therefore we are going to pay back your charges into one of these accounts to pay of the balance!!! surely this is not right? Has anyone any advice as to whether what they are doing is right?

crrthrspl

Hi all,
Received allocation questionaire from the court today, (going to cost another £100 to complete it).
Seems simple enough to complete but is there any guidance on how to complete it ? In particular the "other information" box.I don't want to do it and screw up.

Any advice greatfully received.

Don't give up, I'm sure they are just dragging it out !!!!!!!!!!

Twinkly

commsrep wrote: »

I have successfully reclaimed in excess of 6500 pounds back from hsbc in the past few months from an account which was closed by them in November, although this was passed to a debt collector and the amount reclaimed was set off against what they state i owed them.
I am currently processing another claim through the courts for nearly 2000 this is an entirely seperate account,has a differant account number than the first and was also closed in November last year. When this account was closed by them in november the account balance was nil. )this account because it was not in arrears was not passed to the same debt collecting agency it was just closed.) I have filed in court and received a court date for the end of july with this claim, I have just heard from DG solicitors with an offer of settlement, they are stating that first of all I had claimed 2 charges back which they state are outside the 6 yr limitation, this is incorrect, I sent them a 14 day letter before action letter with a spreadsheet of all charges I was claiming on 11th january giving them 14 days to refund the charges asked for, they did not respond and I filed in court on 13th february. They are stating that as i filed on 13th feb they will not entertain 2 charges that are a few days before the date i filed. Therefore the offer made by them is approx 76 pounds short. This does not really bother me, the thing that is really annoying me is the fact they the go onto say that hsbc have informed them that my account has been passed to a debt collector and they are prepared to settle for just over 1800 pounds if it is used to pay off what i owe them. (the account they are referring to is a completley seperate account with a differant account number and is the first claim I made against them which is mentioned in paragraph 1 of this thread) The 2nd claim is a totally differant claim/account and this account was completely clear of arrears when it was closed in November and I have statements from HSBC to prove this is the case. My question is this......... i know if you are in arrears when you claim back charges that the amount offered gets set off against what you owe them, but can they ask for this for a closed account where the balance was nil when closed? As in effect it is like them saying you owe us xxxx amount on your mortgage or credit card and so therefore we are going to pay back your charges into one of these accounts to pay of the balance!!! surely this is not right? Has anyone any advice as to whether what they are doing is right?

This is basically an abuse of the Right Of Set Off.

Please see here for more information about this:
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

The bank does have the right to take monies from one account to the other but certain conditions must apply before they can do so. In particular (from the article):

The debt must be due and payable. For example, if a customer misses making a loan payment, then (at least until it calls in the loan) the firm can take only the missed payment – not the balance of the loan.

If your arrangement to pay the DCA is up to date and you havent missed any payments then you can challenge them and state that the Right Of Set Off does not apply and that they have no entitlement to the refund. You can complain to the Financial Ombudsman regarding the abuse of this process.

As you are at the court stage of claiming you are under no obligation to settle for less than the full amount plus interest and costs. You are under no obligation to agree to pay off the loan with the refund and I'd advise you not to in writing. Refuse the offer, let the case run its course, get the payout due and if they try to take it and they arent entitled under the Right Of Set Off then fight it.

Good luck

garysumpter

Hi all,

I should have my decision from the bank today or tomorrow (if they stick to my timetable, which they wont)

This month has been REALLY bad and I need to get some cash to pay my end of month bills. SO I want to call HSBC and chase the status of the claim.

Do any of you know the best number to use for this?

Many Thanks

Gary

overworked_underpaid

garysumpter wrote: »

Hi all,

Do any of you know the best number to use for this?

Gary

Call customer services on 0800 881 155

A full list of contact numbers at the following link:
http://www.hsbc.co.uk/1/2/personal/contact;jsessionid=00007CtCcuYEDndYmufJEdh5hOh:11j56r6g2