Claiming Charges (HSBC)

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

I just remembered, didnt BB get swallowed up by Santander? So what do I do regards SAR'ing - who?

Yobshire Bank was bought by the same Australian outfit who bought the Clydesdale Bank - link

[pooky2483]

Re: Claiming Charges (HSBC)

Just been thinking, I had accounts with Halifax, TSB, Barclays and maybe 1 or 2 more... just think if I get anywhere with claiming charges....

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

Just been thinking, I had accounts with Halifax, TSB, Barclays and maybe 1 or 2 more... just think if I get anywhere with claiming charges....

You could end up seriously rich?

[pooky2483]

Re: Claiming Charges (HSBC)

You could end up seriously rich?

Yeah, win back enough money to pay off my debts

[pooky2483]

Re: Claiming Charges (HSBC)

However a SAR is subject specific not account so if two accounts with sister companies you send one SAR (ie a natwest and rbs account or mint and natwest etc)

So, form this list, who's in bed with who?
HSBC
Santander
Bradford & Bingley
Yorkshire Bank
Halifax
TSB
Barclays
Capital One

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

So, form this list, who's in bed with whom?

Apart from Google not working properly, how do you like China?

[pooky2483]

Re: Claiming Charges (HSBC)

So, form this list, who's in bed with whom?

Apart from Google not working properly, how do you like China?

I have only used that word ONCE in my life and that was the first EVER time I heard of it, at Primary School, I thought 'what a stupid weird word' and have thought the same ever since, hence why I didnt use it then CC

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

I have only used that word ONCE in my life and that was the first EVER time I heard of it, at Primary School, I thought 'what a stupid weird word' and have thought the same ever since, hence why I didnt use it then CC

And you spelt "from" as "form" because you have dyxlesia?

[pooky2483]

Re: Claiming Charges (HSBC)

And you spelt "from" as "form" because you have dyxlesia?

NO... Because I have just woken up and have Kitten-eye


Scratch that, I had just got out of the bath and my glasses had steamed up

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

who's in bed with who?
HSBC
Santander
Bradford & Bingley
Yorkshire Bank

Halifax
TSB
Barclays
Capital One

Follow the links.

Part of the failed Bradford & Bingley was sold to Santander and Lloyds TSB bought the failed HBOS.

As for sexual liaisons, however, it's anyone's guess.

[pooky2483]

Re: Claiming Charges (HSBC)

Just got a letter back from HSBC offering £608.14 PPI back and they will offset it against the loan I took out so it will reduce the outstanding balance I owe.

6516.72 Total
1276.72 Paid
5240.00 Balance

608.14 PPI Offer
4631.86 Balance

[pooky2483]

Re: Claiming Charges (HSBC)

I've had to put everything on hold due to my HD crashing (with all my documents on it), mauijim os going to be working on it and it will be revived.

Anyways, I was wondering what reason can I give the Banks to give me the charges they have levied on the accounts I had - as far bask as 20 years.

[Never-In-Doubt]

Re: Claiming Charges (HSBC)

Anyways, I was wondering what reason can I give the Banks to give me the charges they have levied on the accounts I had - as far bask as 20 years.

See my reply to your other thread here ---> http://forums.all-about-debt.co.uk/showpost.php?p=226404&postcount=2

Bear in mind, although you can reclaim further back than 6 years, the banks are now trying to limit refunds to 6 years citing SB kicks in, for them, as much as it does for us so don't be surprised if they try and fob you off and only pay out the last 6 years.

Obviously, this is correct - after 6 years it would become SB ordinarily but now when you never knew about it, hence we argue for a full refund based on the documents retreived via SAR.....

Good luck

[pooky2483]

Re: Claiming Charges (HSBC)

Anyways, I was wondering what reason can I give the Banks to give me the charges they have levied on the accounts I had - as far back as 20 years.

See my reply to your other thread here ---> http://forums.all-about-debt.co.uk/showpost.php?p=226404&postcount=2

Good luck

You missed the bit in BOLD...
Could I possibly use the 'hardship' line, I need to check the dates of when the charges were and whether I was unemployed at the time for closed accounts way back, what other reason could I give?

[kilasuit]

Re: Claiming Charges (HSBC)

See my reply to your other thread here ---> http://forums.all-about-debt.co.uk/showpost.php?p=226404&postcount=2

Bear in mind, although you can reclaim further back than 6 years, the banks are now trying to limit refunds to 6 years citing SB kicks in, for them, as much as it does for us so don't be surprised if they try and fob you off and only pay out the last 6 years.

Obviously, this is correct - after 6 years it would become SB ordinarily but now when you never knew about it, hence we argue for a full refund based on the documents retreived via SAR.....

Good luck

my arguement would be in reference to that is SB would be from date of closure of account or last transaction on account (deposit or debit) would be the beginning of SB clock.

so for example account a closed on 20th dec 2009 therefore the SB date to me would be 21th dec 2015 (or 2014 in scotland)
make sense

where as an account still running would have no SB date until last transaction otherwise you could claim that on CC if a purchase was make on 1st jan 2001 and you've been paying min payments then on you could argue (like the banks are arguing) that that transaction SB date is 2md jan 2007 (or 2006 in scotland)

So in all honesty i wouldnt take the 6 year rule crap from them in slightest.

Open account reclaim from account inception with no barring on time limits as still active
Closed account reclaim latest 6 years from being close or last transaction.

thats my take and thats what i would argue to them especially if you had the statements etc to tally the charges etc