Reclaim Unfair Bank Charges Discussion Area

Ernest

Puddin' wrote:

I've read lots of other posts about people's dealings with HSBC and am worried because I don't seem to have had the same response from the bank as others. When I sent the 1st letter off, they didn't reply saying they were looking into my case, (like most other people have reported) but instead asked for a list of charges, (even though I had sent a list with letter).

Now it has been a week today since I sent 2nd letter and haven't heard a dickie bird. I don't know whether to give it til Monday before I go onto the Moneyclaim site. I'm rather frightened about the whole thing now!
What would you do?

Hi,

My cousin sent of the first letter to HSBC only 2 weeks ago, and he has just received the full amount (Ex interest). £1500!!

wish my bank saw "the light" that quick!

stay strong, you need to be prepared to take it all the way!

Steve

Rex_Mundi

pigsmightfly wrote:

Are they just trying to put me off or are they correct. I just don't understand that if they are right with what they are saying, then why would so many other banks pay out on credit card fees if they didn't have to. Also I have read on the success board that a few people have claimed from Mint for cards.

This is a quite standard 'put off' type letter. I would continue your claim as normal. If they want to defend the level of their charges, they will have to go in front of a judge and prove they only cover their true costs each time picked up a charge. They will VERY UNLIKELY want to do this.

pigsmightfly

Rex_Mundi wrote:

This is a quite standard 'put off' type letter. I would continue your claim as normal. If they want to defend the level of their charges, they will have to go in front of a judge and prove they only cover their true costs each time picked up a charge. They will VERY UNLIKELY want to do this.

Thanks Rex_Mundi.

Thought it was but just wanted to check.

I've already sent the next letter anyway threatening them with court so will see what they have to say to that! :rolleyes:

Babbler

Not sure if this has been posted - but how about this for a template to the bank

A 98 year old woman wrote this to her bank. The bank manager thought it amusing enough to have it published in the Times.
Dear Sir,
I am writing to thank you for bouncing my cheque with which I endeavored to pay my plumber last month.
By my calculations, three 'nanoseconds' must have elapsed between his presenting the cheque and the arrival in my account of the funds needed to honour it. I refer, of course, to the automatic monthly deposit of my Pension, an arrangement which, I admit, has been in place for only eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account £30 by way of penalty for the inconvenience caused to your bank.
My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways.
I noticed that whereas I personally attend to your telephone calls and
letters, when I try to contact you, I am confronted by the impersonal,
overcharging, pre-recorded, faceless entity which your bank has become.
From now on, I, like you, choose only to deal with a flesh-and-blood
person. My mortgage and loan payments will therefore and hereafter no longer be automatic, but will arrive at your bank by cheque, addressed personally and confidentially to an employee at your bank whom you must nominate.
Be aware that it is an offense under the Postal Act for any other person to open such an envelope. Please find attached an Application Contact Status which I require your chosen employee to complete.
I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative.
Please note that all copies of his or her medical history must be countersigned by a Solicitor, and the mandatory details of his/ her
financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.
In due course, I will issue your employee with a PIN number which he/she must quote in dealings with me.
I regret that it cannot be shorter than 28 digits but, again, I have
modeled it on the number of button presses required of me to access my account balance on your phone bank service. As they say, imitation is the sincerest form of flattery.
Let me level the playing field even further. When you call me, press
buttons as follows:
1-- To make an appointment to see me.
2-- To query a missing payment.
3-- To transfer the call to my living room in case I am there.
4-- To transfer the call to my bedroom in case I am sleeping.
5-- To transfer the call to my toilet in case I am attending to nature.
6-- To transfer the call to my mobile phone if I am not at home.
7-- To leave a message on my computer (a password to access my computer is required. A password will be communicated to you at a later date to the Authorized Contact.)
8-- To return to the main menu and to listen to options 1 through 8
9-- To make a general complaint or inquiry, the contact will then be put on hold, pending the attention of my automated answering service. While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call.
Regrettably, but again following your example, I must also levy an
establishment fee to cover the setting up of this new arrangement.
May I wish you a happy, if ever so slightly less prosperous, New Year.
Your Humble Client

pigsmightfly

Babbler wrote:

Not sure if this has been posted - but how about this for a template to the bank

Ha Ha! That is brilliant - and so true! :rotfl:

molly123_2

Hi
Just a quick question... The information contained in the instructions page says you can claim charges back for 6 years, as you can claim 6 years worth of details under the Data act.

Is this the only case? What happens if you have actually kept your statements going back further - say 10 years? Can I claim these, as i already have the details of the charges??

Thanks in advance

Edinburghlass_2

From Martin's article...

We need to know all the fines you’ve been charged by each bank or credit card, including charges from now closed accounts, over the last six years (the time period is limited by law). Now do note we’re only talking penalty charges/fines, not normal account fees.

Brighton-Knight

Hello. I'm very new to all this and haven't really understood whether reclaiming bank charges also applies to charges levied on credit cards and mortgages. If someone could let me know that will enable me to finally begin to claim back all the charges incurred in the last six years.

Thanks for your help.

Simon.

Edinburghlass_2

Yes you can claim for late payments on credit cards and similar charges on a mortgage account.

paul1e

Hi
I have a account with the above lender, now part of HSBC group, it's called a personal loan plus account and the only charge apart from the extortionate interest rate (which i know i cannot claim) seems to be a administrative fee which i incur when late with the payment, is this another name for a late payment fee and can it be claimed????????