Hello Does anyone have any advice on how I can proceed? I feel like I haven't got my point across but not sure how I should play my next hand. Any advice would be appreciated. TIA

Could someone give me some advice regarding the below please? I've also attached the letter I received from the Ombudsman. I've tried to be as detailed as possible but please let me know if I can provide any further information. I started pursuing my PPI claims a couple of years ago by writing to the bank. When the bank rejected my claim, I went to the ombudsman to further my claim . I told the ombudsman that I felt that I had been pressured into taking up the PPI to ensure that I was accepted for the loan, I was under considerable financial pressure, and had I not been able to borrow the money, things looked like they would have unravelled fairly rapidly. In the meeting at the bank I was in an environment I am not comfortable in and I am dyslexic which puts me at a disadvantage when reading forms etc. During the meeting the subject of PPI was brought up repeatedly, and I felt that to turn it down would be to prejudice my application, at no time was it made clear that there was no link between a loan being offered and my taking up PPI. In fact to my mind, securing my payments reduces the banks risk and therefore makes me a better candidate to lend money to. None of this is reflected in the notes of the bank, and the letter from the ombudsman dated 5/12/14 makes much of the fact that at the bottom of the form PPI is listed as optional, now in a situation where I am in an environment in which I am uncomfortable an having difficulty rapidly absorbing written information, and not unusually for someone applying for a loan needing the money sooner rather than later, I signed. The ombudsman's letter says that my pre existing joint problems are not of any consequence as I had only had 5 days off in the previous few years, and that my claim that my family would assist if push came to shove was uncertain, and therefore the insurance was appropriate . I would suggest that as the insurance only covered the interest ,and I believe was for a limited period , that it would be of limited value as the type of work which I do is physical, the potential of a bad joint problem is that I am no longer able to continue my occupation at all,in fact the condition of my Knees at present is making this look like a distinct possibility.This would not be helped a great deal by the PPI. The statement that my family was not certain to help me is philosophically true, but statistically far more probable than being able to successfully make a claim on the insurance. In terms of the history of my claim with the ombudsman, it is coming on for two years now, there was an initial phone call in which I laid out my case as I have here, it was intimated then that this was the type of case which they would support . I filled in the forms received a letter sometime later saying again that this indeed was a case they felt they would be able to uphold, sometime elapsed I received letters saying how busy they were but I was not forgotten .I wrote to them to notify them of a change of address, they wrote back immediately acknowledging my letter, but sent it to the old address. Eventually I received a letter from the adjudicator saying that they would be writing to HSBC recommending that they settle with me, some time later the adjudicator wrote back to say that HSBC had declined and it would go to the ombudsman , and could I send any further information I thought relevant, I wrote back reiterating my case. At some point I wrote to the ombudsman to say I had again changed address, they wrote strait back to the old address, I rang them to see why they had sent the letter to the old address, and was informed by a very pleasant member of staff that although they acknowledge the letters immediately they don't actually read them for a number of weeks... Finally I receive the letter dated 5/12/14 , so after nearly two years, and every indication from the offices of the ombudsman that my claim was going to be upheld , I receive a letter completely to the contrary, which if they had said in the first place would have been acceptable, but not after two years and a lot of positive indications. None of this helped by the fact that my job is looking very insecure and my knees are in big trouble I feel the treatment of my case is rather poor, if not cruel.

Hi, My girlfriend had a membership for Topnotch Health Club in Bristol (now fitness for less). The membership was cancelled in April 07 and we have a letter from the gym confirming this. Although they quite clearing state that the last payment will be taken in May 07 they have continued to take this money from her account until now. We would now like to claim back the payments (x31) which have been taken from her bank account. I'm assuming this will be ok? Also can I charge them interest on this amount, if so at what APR? Thanks Edgar

Hi All, Thanks so much for this site...not sure what I would have done without it:) I am helping a friend claim money back from HSBC. We have followed the standard process and submitted the MCOL claim sometime in June - hearing set for 24 Aug in Gloucester Court. No word from either the bank or the court yet which is quite suprising as I have read a lot of post regarding the courts staying the cases. As I have heard nothing from both parties do this mean the case is definately going ahead? Or is it possible that the case will be stayed? If so will I still need to turn up on the day? Getting a little nervous now..... Many thanks

Hello, I am helping a family member claim back some charges from HSBC. He has had two accounts going back 20 odd years. The first account was held with Midland and I have found roughly 1k worth of charges dating 97-00. He also has an HSBC account 98-06. I have a couple of questions: 1. Is it possible to claim all of these charges back? 2. If I can claim the HSBC charges, who would I address this to? Would this be same address I send the HSBC letter to? Any help would be greatfully received. Many thanks Edgar

Hi, I worked out all of the charges HSBC have charged me from my internet banking. I did not follow the DPA route. I then sent HSBC the initial request for the charges to be refunded. After 14 days I had received no response so sent them a copy of the LBA. I received a letter back from HSBC which I have summarised below: -Did not receive previous correspondance -Do not affree with your contention of charges @The contract between the Bank and its customers is goverened by HSBC T&Cs.......In respect of unauthorised overdrafts the relevant clauses are..... In these circumstances there is a process that involves the Bank considering whether or not to pay the item. A fee is payable for this and the fees are as set out in the published price list. However I am prepared to review any charges you feel were incorrectly applied. It would of course be prudent for me to request that you specify which charges you feel were incorrectly applied, under the terms and conditions and ask you annotate them individually with the reasons why. I included a listing of all charges in my LBA letter. The letter was received on the 23 June, the LBA deadline expired 2 July. Due to work commitments I have not been able to sort this yet. What would you suggest I do now....write to HSBC again? Phone them? Start Court claim? Thanks

Thanks for the quick reply....I will resend LBA tomorrow. E

Sorry should have been more clear in my original post. A friend alerted me to the fact that I could potentially claim back the charges levied on my account over the last 5 years, he told me that the OFT had ruled that it was illegal for banks to charge more than 12 pound per transaction (!!!!) and I submitted a claim against HSBC which worked out total charges roughly 2990, i then subtracted the 12 pound per transaction which I though they could charge to come to my total. After doing some more research on this (i know, i should have done the research before the claim - problem was i was a bit sceptible!) I found i can claim the full amount from hsbc + interest charged on the penalties. Both letters I have sent to HSBC included a spreadsheet with all charges details but with a deduction for 'allowed charges'. I also did not calculate the interest part. Do you think I should start the process from the beginning and if so how should i approve it. Or could i just resend my LBA? If you need any more information please let me know. E

The difference is quite large 2990 versus 2044. I have not had any reply to either of the letters so far if that makes any difference. TIA

Hi, I am claiming money from HSBC, I have sent the initial request and the letter before action. After double checking my figures I have noticed that I made an error in my calculations. My question: Can I remamend my letter before action explaining my mistake or will I have to start the whole process again? TIA