Reclaim Unfair Bank Charges Discussion Area

jacjacjac0_5

The bank is HSBC

pigsmightfly

jacjacjac0_5 wrote:

The bank is HSBC

HSBC Bank;

FAO Data Protection Controller
8 Canada Square
London,
E14 5HQ

twinstwins02

Just wondered in the process of claiming from natwest/capital one and noticed arrears charges on my mortgage account of £50.00. Can you claim for these??

paul1e

Just A Quick Note For Anyone Interested, Saw A Reply About Online Statements For Hsbc, Been Thru The Hsbc Site And It Is There If You Have Online Banking With Them When You Go In To Your Current Account On The Left Hand Side Under The My Accounts Title There Is A Section My Statements Click On This And You Can Print Off All Your Statements For, Wait For It, The Last Six Years To The Month... Have Hsbc Seen The Light?? Not Like A Bank To Save You Money Even If It's Only A Tenner.....

Edinburghlass_2

ianellis wrote:

hi rag girl do u know weather i can claim for the small charges i.e the £3's, £5's an £10 charges also do u know weather i can claim interest bk all the interest they have charged me, thanks

Post 4 of this thread tells you what charges you can claim, you can't claim normal overdraft interest.

http://forums.moneysavingexpert.com/showthread.html?t=304064

Scott102

Has anyone filed a court claim after the bank has paid the difference of the charge and brought it down to £12 wich the OFT says is the correct amount. I was owed £220 but Capital One have paid £88 and im now owed £132. Would a court claim work?

Edinburghlass_2

OFT has recommended the £12 as being fair for credit card charges, however you can still claim back the difference. If they are saying the £12 is a "correct amount" for bank charges then they are wrong.

Scott102

They have already paid back the difference so do you see me winning in the court to get the £12 charges back?

rag-girl

ianellis wrote:

hi rag girl do u know weather i can claim for the small charges i.e the £3's, £5's an £10 charges also do u know weather i can claim interest bk all the interest they have charged me, thanks

hi, if it's unfair charges, then have a go, it all adds up & better in your pocket than theirs.
they have had our money for long e-nuff.
read the article, it says you can try & get interest on the unlawful charges, but i wouldn't have thought you would get the interest back you have paid on the overdraft, maybe i'm wrong, does anyone know different?

Rex_Mundi

Scott102 wrote:

They have already paid back the difference so do you see me winning in the court to get the £12 charges back?

The OFT said that just because a bank charges £12, it does not make this a fair charge. Only a court can decide if the charge is fair or not. The CC companies have been paying out claims rather than testing this in court, so we don't know what a judge may think.