HSBC (merged)

AmyJ_3

barsiem wrote:

Go into your account page (where you can see the two month statement) and there should be a grey menu top left wich says My Statements - this contains the full six year list and is where I collated all my charges! Good luck!

AHA! Thank you very much..

Now, I've just checked, and can only go back around 18 months, now its clicked: they automatically upgraded me from a 'junior' sort of account to a full bank account.

Will they provide me with any details prior to this?

Thanks for the help!

leannie_2

leannie wrote:

Well, still no offer letter not the original or a copy! Another phone call today, and they said they had been sent first class, they checked my address which was all correct, ohhh the mystery of the missing offer letter!
A third letter was meant to have gone in the post today!, They wouldn't fax it to me, so I shall wait and see I suppose.

HURRAH!! The offer letter arrived today dated the 22nd January :T :T :T :T , so I will post it back tomorrow recorded delivery, and accept!

Lizz

I've got my letter ready by the side of me to post to HSBC to reclaim 6 years worth of charges, however, I also have an 8k loan with them that I can NO WAY afford to pay back, I have got an account with another bank so can move if they close my current accounts, but will they also insist I repay my loan?

Edinburghlass_2

Your loan is a different agreement and will be okay but they can and sometimes do close accounts or call in an overdraft after a reclaim of charges.

Edinburghlass_2

Your loan is a different agreement and provided you keep up the payments etc you will be okay.

claireizadiamond

ok i got paid normal standin order n i withdrew it and it hadnt cleared. i then got a cheque that bounced but it sed i cud hav the money.hsbc told me on the phone they had let me take it becoz i was a good customer to save from embaresment in places which.................... i neva asked for.then they said i had to pay 5 pound a month and wrote to me sayin i had an overdraft till nov... which i neva asked for.i then asked them if i had till nov 2 clear the acount n they said yes.then i get a letter for a final demand in january for 56 pound and i had 7 days to pay so i panicked and told them id pay 10 a week


this is what my bf has told me any help as to what i can do is gratefully appreciated any template letter.



thankyou in advance

Edinburghlass_2

I'll pop your thread into the HSBC thread where you'll find lots of people in the same position.

Read Martin's article and then read it again and follow the step by step guide using the templates that are linked to.

and please can you not type using text talk because it makes it so much more difficult to read


Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

mentalmike

Hi all,

I've read up quite abit on this, worked out all my charges - £388, £426.57 with interest. I've filled out the second letter for requesting money from the main guide, but where do I send it? My branch address or the main 8 Canada Square, London address.


Also how likely are HSBC to close my account, I've read the sticky about it with only two cases of this happening - does this mean it depends on each claim and your history or is it just people haven't replied? Just want to know how likely I will need to make different arrangements!

Thanks
Mike

Rex_Mundi

mentalmike wrote:

Also how likely are HSBC to close my account, I've read the sticky about it with only two cases of this happening - does this mean it depends on each claim and your history or is it just people haven't replied? Just want to know how likely I will need to make different arrangements!

It's pot luck whether they ask you to close your account. It would be better for you to make arrangements anyway. This way you will be prepared if they do close the account.

Cazzie128

I am a student and I am currently banking with HSBC. I have been having numerous problems with them recently.
In the summer of 2005 I decided to take a year out of university and informed HSBC of this. They made a note of it on the system, but a year later I was sent a letter stating that my student account would be changed to a graduate account since I had graduated - something I was unable to do since I wasn't in university and hadn't been for the past year which I had already informed them of. I was told I would need to bring confirmation of my student status in order for my account to be changed back. I did this and was assured my account had been updated. This was not the case and I was subsequently charged £50 a month. I returned to my branch in December 2006 with my student confirmation so that the account could be changed yet again. The charges were refunded and the account finally updated. However, over Christmas I unfortunately went £200 over my overdraft limit due to a number of direct debits coming out at the same time. I received a letter last week from HSBC stating they would be charging me £125 for this. I have visited my branch and they have confirmed the charges. I know I shouldn't have gone over the limit, but £125 seems rather steep especially on a student account.
Also I might add that I have visited my branch twice this week and have not even been offered a private room to discuss my financial situation and have instead had to discuss it in front of the general public in the reception area where my personal and account details can be seen by anybody in the area.
I am in the process of switching my accounts to the Halifax as HSBC seems to be a complete farce.
Do I have any rights concerning my problems with HSBC?