when i claim does the six years end when i claim or when the bank settle.

loulou28_2

please can anyone help me with claiming back my charges from the bank ( hsbc ). i have had an offer from the bank but it is less than i have worked out as when i made the claim there were 4 charges to claim but it has taken a long time for the bank to deal with it (6 months), now 3 of the charges are longer than 6 years. so the question is does the six years end when the claim is made or when the bank settles?. any advice would be greatly appreciated thanks.

lindilou39

am afraid so.....I asked a friend of mine this question, she is a Lit solicitor, with alot of her clients who are claiming for various reasons they say claim as quickly as possible before it goes beyond the limitation act.


Lin

LozBingley

loulou28 wrote: »

please can anyone help me with claiming back my charges from the bank ( hsbc ). i have had an offer from the bank but it is less than i have worked out as when i made the claim there were 4 charges to claim but it has taken a long time for the bank to deal with it (6 months), now 3 of the charges are longer than 6 years. so the question is does the six years end when the claim is made or when the bank settles?. any advice would be greatly appreciated thanks.

The 6 years is from the time you write and ask for your money back not the time the bank settles.

Take it to court and get your 8% interest added as £10 + 8% for 6 years (simple interest) = £14.80 thats almost 50% more in your pocket and don't settle for anything less than 80% of your claim because when you win at court you get 100% plus the 8%'s and your court fees back too