HSBC (merged)

A question about : HSBC (merged)

i have just prepared my letter asking for the charges for the last 6 years or bank statements. on my statements i have a charge of Ј125, interest of Ј14.75 but also on my statement is charges totalling Ј160 for recalls, card misuse and unpaid bills. do i put down all of these charges on because it looks to me as if i have paid twice.
can anyone help advise me.
thanks

Best answers:

• Which bank is it you are claiming from as someone who has already searched for the iformation might be able to help better if we know the bank.
• thanks for trying to help me so quickly, i am with hsbc.
• I have sent you a PM.
• Is it possible to claim back the interest charges as well or am I being overly optimistic here? And what about credit card charges - does the same process apply to those as to bank accounts? BTW for info - wrote to HSBC asking for 6 years of statements on personal and business account (both were closed a year ago) sending a tenner (didn't want to send them a cheque with new bank details on!) and they sent all statements PLUS returned the Ј10 note saying they don't charge for this!
• has your claim finished
• You can claim back the interest charged on an UNAUTHORISED OVERDAFT. In theory you can claim it back on the interest on the charges, but it is extremely difficult to work out. You do however add 8% interest when you actually put your claim into court. Some people on www.consumeractiongroup.co.uk have added, and got compound interest. Credit Cards, catalogues and anyone else who has made charges have all been paying up. If you look on the above site, you will see forums for all the different banks, and also other institutions. You do need to register on the site. My advise to anyone is to read a lot of the threads from the bank forum you are interested in. It will give you the confidence to carry on when the banks try and tell you their charges are justified.
• Hi everyone
  Have just recieved a letter from hsbc with regards to my initial request for information on charges etc. They have stated that they will be sending copies of statements etc in seperatebatches is this usual or are they trying to buy time
• If you have internet banking with HSBC all you statements from the past 6 years are online, so you could use that if you get impatient!
• I am a complete newbie in claiming bank charges back and I need advice.
  My husband and I are currently with HSBC, and have been with them for over ten years. Over that period we have accumulated various accounts and packages, including a fixed rate morgage (which we are quite happy with). Unfortunately we have also managed to accumulate bank charges through mismanagement of current accounts.
  I understand that the first step in reclaiming charges is to open a different account up, in case they demand closure of our original account. I don't particulary mind closure of our accounts but I would be concerned if we have to move morgages.
  Would it be likely for them to demand this? If we had to swap where would I stand in reguards to the Early repayment charges? Would they apply if they forced us to move? (We haven't had any breachs with our repayments of the morgage or any loans)
  Thank-you in advance for any advice given
• Cheers
  I will start adding up the charges then,
  Thanks!
• hello just got on the money saving train and want to have a go at reclaim my bank charges. (they must owe me thousands lol)
  i have my letter done to ask for a statment of the charges but am not sure where is best to send it. do i send it to my actual branch or do i send it to the addresses stated on this site. thanks for your help.
• Just downloaded the first letter to send off to HSBC. I am doing this to help my son. He struggles dreadfully financially as he suffers from a serious illness and has to live on a Disability Living Allowance. He has been crippled by his bank charges and although he tries to live within his limit, he is charged an average of 125 pounds per month for going over his overdraft limit. eg. at the end of this month he had 14 pounds left in his bank, the bank then took 125 pounds out (as he had been a few pounds overdrawn the previous month), making him overdrawn again, so therefore next month the same thing will happen.
  My question is, how much of this 125 pounds are we allowed to ask for back that they have been charging him each month. Obviously they are allowed to charge for (what I imagine), is a kind of loan each month, but the ridiculous amount of 125 each time has meant he can never, ever get into credit. He has no credit cards, and doesn't owe anyone any money (thankfully), but just cannot live on the amount he has minus 125 each month.:confused:
• You can claim it all back, and if he has online banking, he will have access to his statements online.
• wow. wonder what his chances will be of getting that little lot back then. Definitely sending this letter off with 10 pounds for previous bank statements. Will let you know how we get on.
• I've followed the recommended process in proceeding with a claim against my bank for the sum of Ј1412 before interest.
  At the 14 day point i called my bank for an update and to confirm that they had received my recorded letter. They advise me that hadn't got round to my letter yet and that there is a 14 day backlog in claims so i should proceed in contacting my solicitor.
  I'm starting to get twitchy now as the next step is the big one so can anyone advise on the following,
  a. Is the bank trying to put me off by delaying any response to me ?
  b. Should i start court proceedings now or wait the 14 days ?
  c. Are they testing to see how serious i am ?
  d. Has anyone else had the same situation and if so what was the result?
  Heeeelllllp !!!
  :confused: