Reclaim Unfair Bank Charges article discussion Part II

jools68

Hi can anyone help, I sent a letter to HSBC requesting my charges back on the 13th april. I received a letter from them on the 24 april saying they will contact me with a full response as soon as they had completed there investigations. I still havnt heard anything can any one advise what i should do next how long should i wait.

Jester

LozBingley wrote: »

I'd turn up if I was you and make yourself known to the usher before court starts (about 9:30am) but you don't have to go. Even if you do intend to go, you should at least write a covering letter and/or supply as much detail as possible, ideally to arrive at the court at least a day before the hearing. Its important that you make the judge aware that its not the fact that you have been charged that is the issue, it the fact that the chrage is to high and therefore illegal!

Also, write to the bank and ask for a detailed breakdown of the cost of administering the charges made to your account. Tell them that you require this information prior to the directions hearing as you will be asking the judge to consider this cost when he makes his ruling in your favour and as such failure to provide this detailed information to you will result in you asking the court to apply for the information as any charge should not exceed the cost of the breach of the contract.

Also make sure you include all your correspondence, both ways, with the information you send to court, especially the letter you are about to write that includes the information in that last paragraph!

Cheers Loz,

I think I have used most of the printer paper in my house printing off everything I need for the court bundle. Still have a load to do in photocopying all the pages of the statements that contain the charges !!

Hopefully, I'll be finished by Wednesday and can send everything off.

tracepppp

Twinkly wrote: »

You can haggle over the phone, by email, letter and if you wish, by carrier pigeon

The ball is in your court. Theyre showing willing to settle prior to any further recovery action so its up to you what you will accept.

No, carrier pigeon is what they use to contact us about our charges!! :rotfl:

desperate_lou

to traceppp
I ve posted you a message on the hsbc forum.

Well done, don t give up now

lou x

effthebanks

Katdora wrote: »

Hi

Can anyone help? I am at the Court stage using MCOL, it was served to the Halifax on the 16th May 2007, then acknowledged on the 21st May 07 saying they plan to defend it. If I am correct, they have until Wed 13th June (28 days from when it was served) to issue their defence. I have not heard anything from them and they have not paid back anything. If they do not defend and they have not paid me my money back, do I just enter a judgment via MCOL on wed 13th June? Has anyone done this and if so how long did it take for them to pay up? Any information on this would be greatly appreciated. thank you

dont worry they always seem to pay up in full once you get to this stage, even with credit card claims for £12.00 charges

Twinkly

jools68 wrote: »

Hi can anyone help, I sent a letter to HSBC requesting my charges back on the 13th april. I received a letter from them on the 24 april saying they will contact me with a full response as soon as they had completed there investigations. I still havnt heard anything can any one advise what i should do next how long should i wait.

The banks are allowed 8 weeks to respond to and deal with a customers complaint as per the guidelines laid down by the FSA. This is only relevant if you were to use the Financial Ombudsman as you would be required to exhaust the banks complaints procedure first. As it stands, if you take from the 24th April when they contacted you then you can expect a reply anytime now and up til the 19th June if they keep to the 8 week timescale from that date.

If you dont want to wait and prefer to take the court route then there is no requirement to wait that long. You need only show to the court that you have allowed ample time for them to respond to and deal with your claim, which you have so far. You can send the LBA (Letter before Action) now if you wish or just wait a little longer for their response. Its up to you and good luck

mousemad

Help!!
I've finally received our statements from Yorkshire bank and i'm going through them trying to fathom out what i can claim and what i cant. Two questions
1. As soon as the account goes overdrawn and where there are unauthorised overdraft fees, above these is 'charges' and they range from £20-£25. Can i claim these charges or not?

2. Directly under the charges there is a debit interest charge, do i claim these or not?

Twinkly

mousemad wrote: »

Help!!
I've finally received our statements from Yorkshire bank and i'm going through them trying to fathom out what i can claim and what i cant. Two questions
1. As soon as the account goes overdrawn and where there are unauthorised overdraft fees, above these is 'charges' and they range from £20-£25. Can i claim these charges or not?

2. Directly under the charges there is a debit interest charge, do i claim these or not?

Ok
1) you can claim unauthorised overdraft charges
2) if a charge takes you overdrawn and the overdraft consists entirely of charges you can claim the interest.
BUT
If the overdraft consists of charges and spending/overdrawn funds of your own volition then no you cant claim the interest in its entirety. You would need to work out the interest exactly per charge and frankly it isnt worth the headache or bother. If you end up at court stage then the 8% interest per charge is all I would bother with to be honest.

portthom07

Hi, Halifax have said that they will re-investigate my charges, do I have to wait for the outcome, or can I go straight to the FOS?

klaireh9

hi i issued judgement on yorkshire bank 6.6.07, they acknowledged 8.6.07
can anyone tell me what happens next