HSBC (merged)

nickmack

legranfromage wrote:

I have recently requested details of my charges from HSBC. I specifically asked for details of my charges only but received a letter from the bank stating that they have noted I have asked for my statements (which I definitely did not request) and subsequently I received 6 years worth of statements through the post much to my postmans disgust.

I read with interest that other HSBC customers have received the same and I believe that in the current environment of doing our upmost to save the planet that there is a social responsibility by the banks to minimise wastage. I personally believe that the banks are throwing their toys out of the pram and trying to inconvenience those reclaiming bank charges. Does anyone have a view on this? I am seriously considering writing to the FSA about this as I think it is a HUGE waste of resources that we are supposedly trying to save.

I agree that it's very wasteful, but they're acting under the terms of the Data Protection Act. They can supply the information in this way should they wish.

Considering they know what's coming, it's very unlikely any bank will find details of every charge and present them nicely to you on a single piece of A4.

For those with Internet Banking, you can get your statements from HSBC going back a long time, so this could be an option.

Rex_Mundi

legranfromage wrote:

Does anyone have a view on this? I am seriously considering writing to the FSA about this as I think it is a HUGE waste of resources that we are supposedly trying to save.

Would appreciate comments on this.

To comply with their responsibilities under the Data Protection Act, they only have to send out details of all the information you have requested. What they don't have to do is go through your account and mark out the charges for you. They have fulfilled their obligation regarding your request. It is now up to you to go through the statements and find the charges.

You have no grounds to complain on a legal basis. Your only complaint is on an enviromental basis. You would be better to complain to Greenpeace or a similar organisation regarding this. They could only raise this concern with the bank. They would have no powers to complain legally about it.

dixie06

HSBC are definately exacting their revenge on people, have just had a debt collector at my door to collect my old bank cards and cheque book but I was out!! How 'bout i get mine back on them and go after them for a 3rd lot of charges (1st lot £1700 on sole account settled last July, 2nd lot on joint account just in the process of negotiating settlement, 3rd lot applied since 1st lot refunded) what does everyone think??

Incidentally I have a new account elsewhere and have not had a charge for 4 months (well done me!!).

pygmalion_2

hi dixie, would be interested to know - did hsbc send out debt collectors on your first claim? or do you think they are getting nasty on the second?! i am thinking about claiming but worried as i still have an overdraft in the account.. trying to clear that off first but just wanting to guage what their reaction might be!!

little_parf

Hello

Im in the same position as you. As a good will gesture they have put £480 into my account out of a 1500 claim, with that money i am paying off my overdraft and asking with another letter acceptiing their goodwill gesture but wanting the rest. Im a bit nervous about it as I dont want them asking for it back. Let me know how you get on.

ob1peers

Can anyone provide me with some guidance on what to do next? Here are the circumstances:

The bank concerned. HSBC.

19/12/06. Step 2. Sent letter to request statements.
13/01/07. Received statements.
16/01/07. Step 3. Sent letter to request refund of all charges including interest. £845.50 plus £154.59 interest = £1000.09.
29/01/07. Received letter to say they are looking into the complaint.
30/01/07. Step 4: Sent letter to threaten to take it to Court if no full response received within 7 days.
03/02/07. Received letter offering £698.00 without liability etc.

This amount (£698.00) does not add up. They have made a couple of mistakes calculating two refunds that they gave of £50 and £25 in 2005 but i had already taken this into account when compiling the figures.

I think these are my options:

1. Accept the £698.00.

2. Send another letter declining their offer with an offer of a compromise figure such as £845.50. (forget the interest).
Is another letter an option at this stage? or must i go straight to Step 5, Take to court!
If i was to send another letter, and they said 'see you in court' can i go backwards then and accept their offer of £698.00?
If i should send another letter, what should i write? (no handy templates available for this).

3. Start the claim with the Courts through Moneyclaim.

The thing is, £845.50 is quite a bit of money for my Sister (who i am doing this for) my own is still at step 3 but i dont want to send another letter threatening with court again if this means that i can not accept their previous offer.

And, i dont know what to write to make it a sound legal letter.

Any help would be greatfully appreciated.

consnmattsmom

If I were in your situation I would take the £698 as I would worry myself sick about having to go to court.

I bet others on here would say carry on but its up to you whether you want to take it further.

dixie_dean_2

You have a few options. I would favour the MCO route as I feel you have made enough of an effort for the courts not to view your behaviour as unreasionable. If you want a quick resolution and are happy to settle for slightly less then a phone call or letter saying you are prepared to accept £845, maybe giving them 3 days. If they do not respond, which they more than likley wont, then MCO. Dont worry too much about the letter sounding "legal" - just tell them what you want and follow through with the action you say you will take. You just need to be persistent and determined.

Good luck.

ob1peers

dixie_dean wrote:

You have a few options. I would favour the MCO route as I feel you have made enough of an effort for the courts not to view your behaviour as unreasionable. If you want a quick resolution and are happy to settle for slightly less then a phone call or letter saying you are prepared to accept £845, maybe giving them 3 days. If they do not respond, which they more than likley wont, then MCO. Dont worry too much about the letter sounding "legal" - just tell them what you want and follow through with the action you say you will take. You just need to be persistent and determined.

Good luck.

Thanks Dixie

Sorry, please remind me what MCO stands for.

If i was to send them a letter asking for £845.50 because their offer was unacceptable and giving them 3 days, what would happen if they ignored this one or said 'no, we will go to court', could i then accept the £698 offer even though i have rejected it as such. My Sister wants to avoid court if possible.

Rex_Mundi

ob1peers wrote:

Sorry, please remind me what MCO stands for.

If i was to send them a letter asking for £845.50 because their offer was unacceptable and giving them 3 days, what would happen if they ignored this one or said 'no, we will go to court', could i then accept the £698 offer even though i have rejected it as such. My Sister wants to avoid court if possible.

MCOL=Money Claim Online

If you reject this offer in favour of a higher compromise, chances are that the bank wont re-offer this, or will take back the offer.