HSBC (merged)

Worthingben

No why wait?

Definately call and hassle them. I have the number I only used at home AND the department that deals with these 'issues', if you can wait till tomorrow I'll post it.

Be warned though three times when trying to explian this to the 'forigen' chap on the other end, they will put you through to the British department will be told "Hello Sir, I understad you have query about your managed loan", which I don't evn have!!!...sooo frustrating, I'm sure thats the underlying reason they have the call centres abroad.

Bexstars

Hiya

Im just about to send off my first letter to HSBC to claim £360 i charges and wondered if anyone could give me a little advice? Do I send the letter to my branch address or is it a H/O address? Also there is about £120 in interest I could add to the claim, has anyone had any sucess in claiming the interest back too or is everyone just claiming the actual charges

Advice very much appreciated

Edinburghlass_2

Bexstars wrote:

Hiya

Im just about to send off my first letter to HSBC to claim £360 i charges and wondered if anyone could give me a little advice? Do I send the letter to my branch address or is it a H/O address? Also there is about £120 in interest I could add to the claim, has anyone had any sucess in claiming the interest back too or is everyone just claiming the actual charges

Advice very much appreciated

Address thread

What interest are you saying you "could" add to the claim? If its the 8% that you can add to your claim you certainly can add it at this stage, have a listen to Martin's audio file here...

You may get lucky and get the interest on top, but even if not, the legal feedback I've had is that it’s one route to pushing the bank to settle quickly so it can offer to pay you without the interest. Of course there is a risk that asking for too much makes them less likely to settle too - sadly this is an art not a science. This isn't an easy concept so I've recorded a quick audio file which may help explain it.

Bexstars

Thank you Edinburghlass! Yes its just the 8% interest to be added.

I already have all my bank statements online so no need to write and request them so am I right in thinking I just need to start by sending letter 2 and ask for the money back?

Edinburghlass_2

Yup! Good luck

Bexstars

excellent!! thanks for your help

bloomfieldbird

legoman wrote:

i accepted their offer basically. so i'm just waiting for the funds to be sent to me. my hsbc account has been closed for two years so they wont credit that account. i asked them to credit my natwest account or send me a cheque but it's beyond the seven days they said....!!

is there a number i can call - free of course - or do i wait?

The number for the service quality team is 08456 028006, this is the department that deals with the claims.

Just had my money credited to my account today £2083 wooohooo!!!!:beer:

Would just like to say a big thank you to Edinburghlass and Rex :T now for the Natwest...... :rotfl:

kurjam

can you claim back loan charges....i got bank charges refunded from hsbc but i htink if i had not had these charges applied i would not have need the managed loans?

Edinburghlass_2

Pinksapphireangel wrote:

Hi I am new to this.
My dh and I are thinking of trying to reclaim the unlawful charges made by our bank HSBC but dh is worried that they will also shut down our mortgage,
does anyone have any advice/experince of this, we have 3 kids and are worried.

Your mortgage is a different agreement from your bank account.

Edinburghlass_2

kurjam wrote:

can you claim back loan charges....i got bank charges refunded from hsbc but i htink if i had not had these charges applied i would not have need the managed loans?

If you have had late payment charges on your loans you should be able to reclaim those but you won't be able to claim normal loan charges.