Claiming Charges (HSBC)

[pooky2483]

Is it worth claiming charges back from HSBC on a closed account. I think it was opened in 2005 (cant find all statements, earliest #7 dated 1 May 2006)
I did try ages ago but it was during the big test case.

[EDIT]
I also had a Bradford & Bingley account and wonder if I could claim charges back on that account too?

[pooky2483]

Re: Claiming Charges (HSBC)

Just been looking through old paperwork, I found an old Yorkshire Bank statement too.

[pooky2483]

Re: Claiming Charges (HSBC)

Bloody 'ell....
Been doing more digging and found this lot; This includes the above.

HSBC - Loan - PPI Claim
Bank Account - Charges
Credit Card - PPI
Credit Card - Charges

Bradford & Bingley - Charges

Yorkshire Bank - Charges

I also want to claim back charges from my current Bank, Santander and I'm still waiting for a reply from a letter of Appropriation I sent them and a reminder, they got until about 29 March.

Really hoping I can get the whole lot claimed back.

[EDIT]
I forgot one
Capital One - Charges

[pooky2483]

Re: Claiming Charges (HSBC)

Cap One CC - Back in 2005 (7 Apr)
B&B - 1995 03 29 (Exact date as it was just after my Birthday)
Yorkshire Bank - (Oldest statement 2008 10 01 - Not 1st)
HSBC Bank - 2006 01 26
HSBC Loan - 2007/06/01 Took 1 out and then another to repay 1st
HSBC CC - 2006 05 19
Santander - 2008/9

Is there a time limit on claiming?

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

Yes.

[pooky2483]

Re: Claiming Charges (HSBC)

Yes.

And it it.............(insert drum roll here)

[Never-In-Doubt]

Re: Claiming Charges (HSBC)

No there isn't. You can claim as far back as you want

CC - why you say yes?

[pooky2483]

Re: Claiming Charges (HSBC)

BTW, in post #4, those are the dates (or nearest to) of opening accounts.

[pooky2483]

Re: Claiming Charges (HSBC)

I assume they'd all be 'SAR's' @ £10 a throw?

[Never-In-Doubt]

Re: Claiming Charges (HSBC)

BTW, in post #4, those are the dates (or nearest to) of opening accounts.

Proof ---> allaboutFORUMS - View Single Post - Reclaiming Success Stories

[Never-In-Doubt]

Re: Claiming Charges (HSBC)

I assume they'd all be 'SAR's' @ £10 a throw?

Yes - this version here:---> Our Templates | Unenforceability Templates | Subject Access (SAR) - Advanced Request

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)

[Never-In-Doubt]

Re: Claiming Charges (HSBC)

In your case one SAR to HSBC, one to crappy1, I each to to BB/YB and one to Santander

[CleverClogs (RIP)]

Re: Claiming Charges (HSBC)

And it is............(insert drum roll here)

Complicated.

I'll stick to English Law, as I know that better than Scots Law.

The usual limitation period is six years, as laid down by section 5 of the Limitation Act 1980 - link - but, under section 32 (link) the start of the limitation period may be delayed by fraud, concealment or mistake on the part of the defendant:

the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it.

Hence, the limitation period for claims arising from wrongly sold PPI would appear to start when it first became common knowledge that the banks had used PPI as another means to cheat their customers.

[Never-In-Doubt]

Re: Claiming Charges (HSBC)

^^^^^^

CC - nah mate you're barking up the wrong tree with that mate

Limitation period doesn't come into this - or least; isn't (the FSA / OFT / FOS etc are dictating things remember)

[pooky2483]

Re: Claiming Charges (HSBC)

Complicated.

I'll stick to English Law, as I know that better than Scots Law.

The usual limitation period is six years, as laid down by section 5 of the Limitation Act 1980 - link - but, under section 32 (link) the start of the limitation period may be delayed by fraud, concealment or mistake on the part of the defendant:

Hence, the limitation period for claims arising from wrongly sold PPI would appear to start when it first became common knowledge that the banks had used PPI as another means to cheat their customers.

I just discovered it in old HSBC CC statements that I was paing some for of payment insurance (I also think I have the doc relating to it) but will have to have another dig around (on PC) for it. I read it don’t matter how it was don’t or something, it's the conditions... I wouldn’t have qualified for the PPI if I claimed