Reclaim Unfair Bank Charges Discussion Area

gizmo36

Helmbroken wrote: »

Hi - I have started MCOL against HSBC & I was advised it is the Canada Square address.
can you tell me the address of the h.s.b.c that i need to get the charges details from as they wont tell mev they are sending the last 6 years statements for me to go through ??
rose

gizmo36

thanks for the reply, do you know the address for the h.s.b.c where i should send the letter asking for a copy of the charges. they have told me they will send 6 years of statements but wont give me the address ??

mosaic_2

hawthorn11
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Join Date: Jun 2006
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Hi everyone, sincere apologies if this has been covered already but I'm just waiting on statements from Smile to claim back charges from my own current account but I'm also a joint name on my husbands account - obviously they can close my account if they choose to but does anyone know if they can also close the joint account where hubby's the primary name, if they want to??

Sorry if that's garbled!! Thanks so much
Helen

Its my understanding that Martin MSE says to get a parachute bank account in case they do close your bank. But the 'ombudsman' says that banks are not allowed to close your bank account. (saw it on watchdog). They might but you are in your rights to take it higher to the ombudsman if they did. I think it would be unlikely that they'd close your hubby's bank as it's a seperate account altogether and that would just be deliberately criminal/spiteful!
Don't panic, but if you are worried open an account elsewhere maybe as martin suggests.
But it is totally unlawful for them to close any account.

gizmo36

Scott102 wrote: »

Hi, Abbey has entered a defence and it is going before Northampton County Court. Can anyone help with what I should do for preperation of the hearing.

go to the video martin tells you what to do if it goes to court !!

Phill_Yer_Boots

Deadline up today for their response to my first letter so I have just drafted letter two, with a breakdown of charges and interest ready to go by recorded delivery. I have dated it tomorrow and will post it tomorrow to give them an extra day. (I am so kind), then we'll see what happens.

It still appears that Nationwide are letting it get to court before buckling unless any one knows different?

Oh well, it all comes to he / she who waits!!;)

izzy-wizzy_4

Hiya, quite new to this so sorry if i,ve posted to wrong place. I could really do with some advice if anyone can help?

I have a lloyds bank overdraft of £350. My balance is currently at £711.
I have an arrangement to pay £50 per month to reduce balance.

This was before I knew about claiming back charges. I'm currently trying to claim back £1125 which would pay off the overdraft with some left.

I'm was on the second letter to lloyds and have received what seems to be a standard letter saying they will pay nothing. I'm going to file an online claim but can't afford the £120 court costs probably until the end of May.

Do I keep paying the £50 per month whilst this is sorted? They have written separately to say my arrangement with them is up now so I need to telephone to make another or pay overdraft in full.

On the one hand I'm claiming enough to cover the overdraft. On the other if I dont carry on paying could they take me to court before I can afford to take them?

Phill_Yer_Boots

izzy-wizzy wrote: »

Hiya, quite new to this so sorry if i,ve posted to wrong place. I could really do with some advice if anyone can help?

I have a lloyds bank overdraft of £350. My balance is currently at £711.
I have an arrangement to pay £50 per month to reduce balance.

This was before I knew about claiming back charges. I'm currently trying to claim back £1125 which would pay off the overdraft with some left.

I'm was on the second letter to lloyds and have received what seems to be a standard letter saying they will pay nothing. I'm going to file an online claim but can't afford the £120 court costs probably until the end of May.

Do I keep paying the £50 per month whilst this is sorted? They have written separately to say my arrangement with them is up now so I need to telephone to make another or pay overdraft in full.

On the one hand I'm claiming enough to cover the overdraft. On the other if I dont carry on paying could they take me to court before I can afford to take them?

I'd keep up with paying the regular payments on the overdraft as your claim could go on for some time yet. If you file with moneyclaim, they get 28 days to lodge a defence etc, then you have to wait for a hearing date.

Good luck with it all
Phill

cloth_ears_2

Re the £750 limit to court claims in scotland
Does anyone know if this is just for the charges claimed or includes interest and court costs.
I ask coz my charges are just under £750 but obviously interest and costs would take the figure above the £750 limit

Helmbroken

gizmo36 wrote: »

thanks for the reply, do you know the address for the h.s.b.c where i should send the letter asking for a copy of the charges. they have told me they will send 6 years of statements but wont give me the address ??

Hi again

If you have online banking with HSBC, log into your account, then at the top left hand of the page, you will see the 'My Accounts' section - in there is the 'My Statements'. Click on this & your last 6 years statements are there for viewing.

Make a seperate list on your PC of all your charges & the date charged(including the exact wording for the charges) & then go to the 'Interest Calculator' (in the 'Reclaim Bank Charges' doc on this site's main page) to calculate the interest for them, thus getting your full amount to claim!

HTH

izzy-wizzy_4

Ok, thanks Phill