what do i ask for back

becks.989

i have sent a letter to the hsbc asking for a statement of my charges and used the letter from this website. now once i recieve these statements what do i look for to claim back anything over £12 that i have been charged for. any help would be gratefully recieved

carrielouise80

hi,

i asked the same question last week and was told to claim back the whole lot incl 8% interest.

good luck

Rex_Mundi

becks.989 wrote:

i have sent a letter to the hsbc asking for a statement of my charges and used the letter from this website. now once i recieve these statements what do i look for to claim back anything over £12 that i have been charged for. any help would be gratefully recieved

You can claim back any charge, not only ones over £12, and you are not claiming the difference between £12 and the whole amount charged. You claim the whole amount. I've claimed back loads of £10 unnauthorised overdraft charges on claims.

achtunglady

carrielouise80 wrote:

hi,

i asked the same question last week and was told to claim back the whole lot incl 8% interest.

good luck

You initially ask for the charges (which don't include charges for using cash machines) in your first letter, and in the second letter if they ignore first letter, and if they ignore second letter, THEN you issue a court claim and add the 8% interest on top of what charges you are claiming.

If you mention that you are claiming the 8% interest as well as your charges in your first and second letters, the banks will think you dont know what you are doing and will be more inclined to mess you about. I put in my second letter i was claiming £XXXX but if they didnt pay this amount then i would take them to court where i was going to add on the 8% interest as well as court costs.