Hello all, it's my 1st post ... please be gentle
Story so far ... I was in Australia for 15 months and knew I was being 'stung' for charges but only realised how much when I got back. About £510 (current account only, Credit card is another story!!) .. on 2 occasions they hit me for £130 for being beyond 'agreed' £500 overdraft by about £100 for a week or so ... that doesn't seem right?.... Should they even have let me use the 'hole in the wall' to overstep the 'agreed' overdraft?? They also charged me AUD25 (about £20) a time to transfer funds from my Aussie HSBC current account to my UK current account .. which was deeper and deeper in the 'do' as a result of all the charges
Anyway, I wrote nicely to them and asked for it back - they refused. So I wrote nicely again asking them to review these charges, saying they were 'over the top' and asking them to 'make me a sensible offer' - they refused.
Having read quite a bit on CAG forums, I sent a SAR on 31/3/10 and received a big 'wodge' of papers 18 days later. This comprised 97 pages of current a/c statements going back 9 years (when a/c was opened) and 112 pages of 'Amounts and Statistics' sheets over same period that basically summarises debit and/or credit interest each month ...... and that was it! ... no copies of agreements, interventions, absolutely no mention of my credit card at all, even though this was specifically requested in the original SAR. .. although oddly someone in Customer Relations (Southend) offered me £28.26 as a "goodwill" payment for 'late payment admin charges' on my credit card account
I then sent an LBA(Section 7 - Data Protection Act 1998) telling them that the data sent was incomplete and reminded them that they had a further 15 days of the allowed 40 to comply. Foolishly, I forgot to send it as 'Recorded delivery' and so I sent it again (this time 'recorded signed for') and allowed them a 2 week extension on the 40 days. That was on the 15th May. On the 25th, I received a letter from Leeds saying they had "made arrangements to send (me) the requested information shortly" and offered "sincere apologies". 2 days later ... a letter from Sheffield stating that "(my) request for the provision of personal information which was received by HSBC Bank plc on 6th April 2010, but unfortunately only received in this office today" (dated 25/5/10) !!!! left hand ... I'd like to introduce you to right hand!
And that's it .... I have had nothing else since and would like to know what I should do next. Thanks in advance to anyone who has even bothered to trawl through my tale of woe and also for the CAG Forums in general, .. which at least give the individual a sense of hope against the likes of HSBC Bank etc..