Have you ever been charged by your bank????
24-04-2006, 09:29 PM
#81
Advanced PassionFord User
Join Date: May 2003
Location: Nottingham the land of ugly women
Posts: 1,803
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by Matt
i wrote hsbc this one years ago
HSBC Bank Plc
Customer Credit Services
PO BOX 1321
Sheffield
S1 2UB
Account Number ***************
Dear Sirs
I am writing to you out or sheer frustration of being unable to speak to someone who can help me.
I have been a loyal customer of HSBC since 1997 and have a household total of three accounts with yourselves. I have recently found myself, for the first time ever, in a situation where I mistakenly went over my agreed overdraft limit.
After I received my statement I rang to ask if there was anything that could be done about the fees that you intend to charge me with. The first call I made I got told “there is nothing I personally can do, you need to speak to credit services”, he then tried to transfer me but a moment later came back to me saying “they are shut, ring back tomorrow, I cant give you a direct number, phone this one again and someone will transfer you through”. I was irritated by this but thought such is life as it was 7pm when I called upon my arrival home from work. In the morning, as instructed, I make the call back and explain the situation once more. The operator then put me on hold and spoke to credit services. I waited for the situation to be explained again to someone else only to be told “im sorry credit services will not take your call directly, they will conduct an investigation based on the details I have given them and call you back within 48 hours”. Rather different to what I had been lead to believe the night before.
Three days later after no return phone call I try your internet banking messages system. This time I do get a reply from a Neil Codd in Birmingham saying nothing more than a standard reply saying thankyou for my query and that it has been passed onto the relevant people who will be in touch. Great help, another failed attempt.
It does get better, let me back track a little....whilst on the first call I as good as get called a liar by someone unable to understand a cardholder not present transaction. There was a transaction on the 8th June to pipex internet for my monthly internet subscription. I did explain to the gentleman after being told that “it is a transaction that you have personally authorised”, that I was not present but still I get repeatedly told “sir that is not possible, you have personally authorised this, hence the charges”. Sorry but at this point tempers are starting to fray, I do actually know what i have and what I have not personally authorised better than anyone else so didn’t take too kindly to his attitude. I ended the call politely before I lost my temper.
As a loyal HSBC customer I feel I am owed treatment far better than I have received from yourselves. You mention in your letter that “you wont refund charges applied correctly” however on this occasion I would be very grateful if you refund the charges given that the circumstances you are quoting are incorrect. I await confirmation of this.
I have no wish to leave HSBC but being treated in such a manner is making me think twice about it to be frank. Unless we can reach an amicable outcome here I feel I will have no alternative other than to end all my dealings with HSBC and move my business elsewhere. This logic applies to this account, the related account *****, and finally my partners (Miss Cl......nobend
) account *******. This is not meant as a threat, I am simply informing you what will happen as a direct result of your recent actions.
To say I am dissapointed in your company of late is a huge understatement. I do not agree with your offshoring policy, it has not improved things from a customers point of view at all, things have gone downhill, all it looks like to an outsider is that you are quite willing to cut back services to the people who make your business what it is in favour of yet more profit, there is a point when enough becomes enough if the positives outweigh the negatives. My partner works as a business development consultant for Aviva Group, we have had this conversation many many times.
I have done as suggested in your letter and attached a copy of this document to your customer relations dept. so you can listen to my feedback.
Yours faithfully
Matt Bell
it worked, i got the money back and then closed all accounts and moved to halifax anyway
HSBC Bank Plc
Customer Credit Services
PO BOX 1321
Sheffield
S1 2UB
Account Number ***************
Dear Sirs
I am writing to you out or sheer frustration of being unable to speak to someone who can help me.
I have been a loyal customer of HSBC since 1997 and have a household total of three accounts with yourselves. I have recently found myself, for the first time ever, in a situation where I mistakenly went over my agreed overdraft limit.
After I received my statement I rang to ask if there was anything that could be done about the fees that you intend to charge me with. The first call I made I got told “there is nothing I personally can do, you need to speak to credit services”, he then tried to transfer me but a moment later came back to me saying “they are shut, ring back tomorrow, I cant give you a direct number, phone this one again and someone will transfer you through”. I was irritated by this but thought such is life as it was 7pm when I called upon my arrival home from work. In the morning, as instructed, I make the call back and explain the situation once more. The operator then put me on hold and spoke to credit services. I waited for the situation to be explained again to someone else only to be told “im sorry credit services will not take your call directly, they will conduct an investigation based on the details I have given them and call you back within 48 hours”. Rather different to what I had been lead to believe the night before.
Three days later after no return phone call I try your internet banking messages system. This time I do get a reply from a Neil Codd in Birmingham saying nothing more than a standard reply saying thankyou for my query and that it has been passed onto the relevant people who will be in touch. Great help, another failed attempt.
It does get better, let me back track a little....whilst on the first call I as good as get called a liar by someone unable to understand a cardholder not present transaction. There was a transaction on the 8th June to pipex internet for my monthly internet subscription. I did explain to the gentleman after being told that “it is a transaction that you have personally authorised”, that I was not present but still I get repeatedly told “sir that is not possible, you have personally authorised this, hence the charges”. Sorry but at this point tempers are starting to fray, I do actually know what i have and what I have not personally authorised better than anyone else so didn’t take too kindly to his attitude. I ended the call politely before I lost my temper.
As a loyal HSBC customer I feel I am owed treatment far better than I have received from yourselves. You mention in your letter that “you wont refund charges applied correctly” however on this occasion I would be very grateful if you refund the charges given that the circumstances you are quoting are incorrect. I await confirmation of this.
I have no wish to leave HSBC but being treated in such a manner is making me think twice about it to be frank. Unless we can reach an amicable outcome here I feel I will have no alternative other than to end all my dealings with HSBC and move my business elsewhere. This logic applies to this account, the related account *****, and finally my partners (Miss Cl......nobend
) account *******. This is not meant as a threat, I am simply informing you what will happen as a direct result of your recent actions.To say I am dissapointed in your company of late is a huge understatement. I do not agree with your offshoring policy, it has not improved things from a customers point of view at all, things have gone downhill, all it looks like to an outsider is that you are quite willing to cut back services to the people who make your business what it is in favour of yet more profit, there is a point when enough becomes enough if the positives outweigh the negatives. My partner works as a business development consultant for Aviva Group, we have had this conversation many many times.
I have done as suggested in your letter and attached a copy of this document to your customer relations dept. so you can listen to my feedback.
Yours faithfully
Matt Bell
it worked, i got the money back and then closed all accounts and moved to halifax anyway
ps........like clares surname
24-04-2006, 09:35 PM
#82
PassionFord Post Whore!!
Join Date: May 2003
Location: Doncaster
Posts: 5,143
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by AndyGranger
Matthew that sounded extremly intelligent..........and i thought you only wrote out bus time table,s
ps........like clares surname
ps........like clares surname
24-04-2006, 09:41 PM
#84
Very interesting thread.....
I've been with the Midland Bank (as they were) since i was 12, then they turned into HSBC and it all went pear shaped.
I soon moved as i had a few money problems to the Halifax as they seemed more interested in helping me as a customer and not a £ sign, the HSBC just threw charge after charge at me which made my account go further into the red and thus making me owe them more money for what started off as a very minor problem
It's going to be very interseting to see the outcomes of peoples letters on this post
I've been with the Midland Bank (as they were) since i was 12, then they turned into HSBC and it all went pear shaped.
I soon moved as i had a few money problems to the Halifax as they seemed more interested in helping me as a customer and not a £ sign, the HSBC just threw charge after charge at me which made my account go further into the red and thus making me owe them more money for what started off as a very minor problem
It's going to be very interseting to see the outcomes of peoples letters on this post
24-04-2006, 10:41 PM
#85
i am well interested in this as i got screwed over by lloyds tsb in a 6month period to the tune of £1700 i kid ya not 
It was from 3rd january 2005
Someone had to pay me a £500 cheqe. They did it got bounced. Not only did i notget the 500 but another 500 was credited to the payee
I never check me account tbh as i am normally comfortable with what i got paid each month. It was only when 4 months down the line came that on 1st april i had no money at all. I only got paid 31st march ffs.
I checked it all out and i was charged massive interest from the day the 500 was overpaid if you all understand me. I had like life cover from lloyds that wa sonly around £7 month yet instea dof paying it they them charged me £30 and then the intesrest on top
i complained and all i got back was £340 after 6 months. It still means i am owed 1300 though. Reckon i could this back? I have now got an overdraft with tthem to the tune of 2200 as the interest goes up etc
It was from 3rd january 2005Someone had to pay me a £500 cheqe. They did it got bounced. Not only did i notget the 500 but another 500 was credited to the payee
I never check me account tbh as i am normally comfortable with what i got paid each month. It was only when 4 months down the line came that on 1st april i had no money at all. I only got paid 31st march ffs.
I checked it all out and i was charged massive interest from the day the 500 was overpaid if you all understand me. I had like life cover from lloyds that wa sonly around £7 month yet instea dof paying it they them charged me £30 and then the intesrest on top
i complained and all i got back was £340 after 6 months. It still means i am owed 1300 though. Reckon i could this back? I have now got an overdraft with tthem to the tune of 2200 as the interest goes up etc
25-04-2006, 07:58 PM
#91
I've found that life I needed.. It's HERE!!
iTrader: (4)
Join Date: Mar 2005
Location: Berkshire
Posts: 1,393
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by the sludge
Someone had to pay me a £500 cheqe. They did it got bounced. Not only did i notget the 500 but another 500 was credited to the payee
25-04-2006, 08:11 PM
#92
Originally Posted by dave_y
Originally Posted by the sludge
Someone had to pay me a £500 cheqe. They did it got bounced. Not only did i notget the 500 but another 500 was credited to the payee
26-04-2006, 04:23 PM
#93
PassionFord Post Whore!!
Join Date: May 2003
Location: SE
Posts: 9,226
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by J871yhk
Originally Posted by J871yhk
Right my letter is posted!
Alex
Alex
If you said you "want a written response within 14 working days" for example....
Then simply fill out a small claims application, you are perfectly within your rights and they WILL NOT want it to go to court, a recent case saw Halifax settle out of court upon a summons and it was DOUBLE the figure the person was claiming for, simply because they didnt want to go to court and screw themselves by setting a precident...
26-04-2006, 04:27 PM
#94
PassionFord Post Whore!!
Join Date: May 2003
Location: SE
Posts: 9,226
Likes: 0
Received 0 Likes
on
0 Posts
online small claims application...
I have used it for claiming outstanding debts, dead easy to use...
https://www.moneyclaim.gov.uk/csmco2/index.jsp
I have used it for claiming outstanding debts, dead easy to use...
https://www.moneyclaim.gov.uk/csmco2/index.jsp
26-04-2006, 04:38 PM
#95
10K+ Poster!!
Originally Posted by Damo V
Originally Posted by J871yhk
Originally Posted by J871yhk
Right my letter is posted!
Alex
Alex
If you said you "want a written response within 14 working days" for example....
Then simply fill out a small claims application, you are perfectly within your rights and they WILL NOT want it to go to court, a recent case saw Halifax settle out of court upon a summons and it was DOUBLE the figure the person was claiming for, simply because they didnt want to go to court and screw themselves by setting a precident...
Alex
26-04-2006, 04:47 PM
#96
Advanced PassionFord User
Thread Starter
Join Date: Jul 2005
Location: Dubai
Posts: 1,817
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by J871yhk
Originally Posted by Damo V
Originally Posted by J871yhk
Originally Posted by J871yhk
Right my letter is posted!
Alex
Alex
If you said you "want a written response within 14 working days" for example....
Then simply fill out a small claims application, you are perfectly within your rights and they WILL NOT want it to go to court, a recent case saw Halifax settle out of court upon a summons and it was DOUBLE the figure the person was claiming for, simply because they didnt want to go to court and screw themselves by setting a precident...
Alex
26-04-2006, 09:00 PM
#99
I've found that life I needed.. It's HERE!!
Join Date: May 2004
Posts: 1,485
Likes: 0
Received 0 Likes
on
0 Posts
As somebody's already posted : Anyone tried this with Credit Cards? Should work in theory, as it's just a glorified bank account...
Wondering if anyone's tried it. Sending my letter off to the bank tomorrow...
Wondering if anyone's tried it. Sending my letter off to the bank tomorrow...
27-04-2006, 05:40 PM
#100
PassionFord Post Troll
iTrader: (1)
Join Date: May 2003
Location: Cleveland
Posts: 2,815
Likes: 0
Received 0 Likes
on
0 Posts
Well I've done the sums and I reckon I've paid £890 in bank charges in the last 5 years!!
I'll be sending off the second letter tomorrow, so fingers crossed!
Neil.
I'll be sending off the second letter tomorrow, so fingers crossed!
Neil.
27-04-2006, 08:03 PM
#101
10K+ Poster!!
I got a reply... statements are on their way....
BUT i got this paragraph...
"With reagrds to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore, I am unable to assist further with your request."
and
"Upon reciept of the duplicate statements, if you have any data protection quiees relating to the information, please do not hesitate to conact me."
hmmm
So I guess I wait for the statements... go through and tot up the charges??
Alex
BUT i got this paragraph...
"With reagrds to your request for information relating to manual intervention on your account, HBOS plc is under no statutory obligation to record this information and therefore, I am unable to assist further with your request."
and
"Upon reciept of the duplicate statements, if you have any data protection quiees relating to the information, please do not hesitate to conact me."
hmmm
So I guess I wait for the statements... go through and tot up the charges??
Alex
28-04-2006, 05:03 PM
#103
PassionFord Post Whore!!
Join Date: May 2003
Location: SE
Posts: 9,226
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by J871yhk
I got a reply... statements are on their way....
"Upon reciept of the duplicate statements, if you have any data protection quiees relating to the information, please do not hesitate to conact me."
hmmm
So I guess I wait for the statements... go through and tot up the charges??
Alex
"Upon reciept of the duplicate statements, if you have any data protection quiees relating to the information, please do not hesitate to conact me."
hmmm
So I guess I wait for the statements... go through and tot up the charges??
Alex
28-04-2006, 06:15 PM
#105
PassionFord Post Whore!!
Join Date: May 2003
Location: SE
Posts: 9,226
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by Nomaderst
can this be done with a account that has been closed down? As this is the reason I closed my LLoyds account.
28-04-2006, 06:34 PM
#106
PassionFord Post Whore!!
Join Date: Aug 2003
Location: At the vodka bar
Posts: 4,005
Likes: 0
Received 0 Likes
on
0 Posts
i think i'm gonna give this ago myself i'm sure within last last 6 years i've paid at least 1k in charges 
where do i send the letter to?? I'm with the worst bank EVER: HSBC!!
where do i send the letter to?? I'm with the worst bank EVER: HSBC!!
28-04-2006, 06:52 PM
#107
haha. just called the coop asking for a record of all my chages and the fella asked if i was planning to contest them. I said I was and he said "there is no gaurentee you will be successful" i told him a awfully large amount of people had been. He said that there was loads of stuff going on about it and that th office of fair trading were looking to make the charges lower, i said good they are a joke at the mo.
This conversation basically went around in circles, with him saying that it was gonna end up with people having to pay for bank accounts if there are no charges, I told him that if the charges were not so ott at the moment then this would not of happened.
I dont think anyone would mind a couple of quid, but £30 - £40 is insane.
HSBC and my closed account at Lloyds next!
This conversation basically went around in circles, with him saying that it was gonna end up with people having to pay for bank accounts if there are no charges, I told him that if the charges were not so ott at the moment then this would not of happened.
I dont think anyone would mind a couple of quid, but £30 - £40 is insane.
HSBC and my closed account at Lloyds next!
28-04-2006, 06:56 PM
#109
PassionFord Post Whore!!
Join Date: Aug 2003
Location: At the vodka bar
Posts: 4,005
Likes: 0
Received 0 Likes
on
0 Posts
i have a current account with hsbc - which i'm sending the letter 
but also a credit card with them so do i send 2 seperate letters to hsbc?? i'm so dumb LOL
but also a credit card with them so do i send 2 seperate letters to hsbc?? i'm so dumb LOL
28-04-2006, 07:40 PM
#111
I've found that life I needed.. It's HERE!!
Join Date: Apr 2004
Location: Berkshire
Posts: 1,123
Likes: 0
Received 0 Likes
on
0 Posts
I've just phoned HSBC, First Direct, Abbey, Egg, and MBNA...
All of these banks have charged me at some point, and I've requested statements for the last six years from all of em, and let me tell you, the way I was with money a few years ago I'm gonna be entitled to one hell of a lot of money
I hope this works!!!!!
All of these banks have charged me at some point, and I've requested statements for the last six years from all of em, and let me tell you, the way I was with money a few years ago I'm gonna be entitled to one hell of a lot of money
I hope this works!!!!!
28-04-2006, 08:19 PM
#116
I've found that life I needed.. It's HERE!!
Join Date: Apr 2004
Location: Berkshire
Posts: 1,123
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by TemptRS
nice one aaron so did you have to pay a tenner to each?
i don't wanna pay a tenner lol
i don't wanna pay a tenner lol
So I just said fine, send me them from 1 August!First Direct and all the others haven't asked for anything, and if they do, I'll gladly pay it if the comeback is a four figure sum in total!
Just got to wait for all the statements to come through now and then the fight is on!
28-04-2006, 08:21 PM
#117
I've found that life I needed.. It's HERE!!
Join Date: Apr 2004
Location: Berkshire
Posts: 1,123
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by Matt J
Does this work with credit cards?
Do I have to go through all my statements for the last 6 years and add everything up? cant I just ask them to refund the charges for the last 6 years?
Do I have to go through all my statements for the last 6 years and add everything up? cant I just ask them to refund the charges for the last 6 years?
As for credit cards, well, they're a bank aren't they? I'm certainly trying it!
29-04-2006, 08:24 AM
#119
PassionFord Post Whore!!
Join Date: Aug 2003
Location: At the vodka bar
Posts: 4,005
Likes: 0
Received 0 Likes
on
0 Posts
i just realised all my statements are online so just been through them and my total charges comes to £1324!!!! can you beleive that!? gonna send my letter first thing tuesday
so just been through them and my total charges comes to £1324!!!! can you beleive that!? gonna send my letter first thing tuesday
29-04-2006, 10:15 AM
#120
Too many posts.. I need a life!!
Join Date: May 2003
Location: Newcastle Upon Tyne
Posts: 602
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by TemptRS
i just realised all my statements are online so just been through them and my total charges comes to £1324!!!! can you beleive that!? gonna send my letter first thing tuesday
so just been through them and my total charges comes to £1324!!!! can you beleive that!? gonna send my letter first thing tuesday 
Wil it be ok to work mine out ther same was as TemptRS has ? Saves time and then tenner
I'm also with the worlds worst bank too .... HSBC