HSBC Bank Charges

[Yorkie41]

My case has just been transferred to my local court (York). I am advised that the need for completion of an Allocation Questionnaire has been dispensed with. What are the implications of this decision - or is this normal procedure?

 

Also, the bank (who, on a without prejudice basis, originally made an offer of approx. 50% of my claim), make the following representations in their defence wording:

 

Deny that the charges are penalties under the 1999 regulations.

Bank entitled to make a charge for its sevices, which have been explained to me in their literature, etc. etc..

 

The charges represent the contractualy agreed price for sevices provided.

 

Charges are not unfair.

 

The charges are not default charges and therefore cannot amount to a penalty.

 

Does all this sound familiar - is it the usual response? What can I expect next.

 

Bye the way, I used Martin Lewis' templates for my submissions.

 

Look forward to any comments/advise.

 

Many thanks

Yorkie41.

[Parkvale]

Yorkie41,

 

Hi and welcome to the CAG site.

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

Good luck with your claim.

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

The defense from the bank is absolutely normal. The courts are dispensing with the AQ, because of the amount of claims in the system.You will still have to pay the £100 fee. Which is reclaimable.

[Yorkie41]

Hi

 

Thanks for your very prompt response - a wealth of info.!

 

Re. Terms & Conditions of my account. Do you mean the actual docs. I received when I opened the a/c, unfortunately I cannot trace these. I have all bank statements over the 6 years. Would a copy of current terms & conditions for the type of account I have be ok?

 

Thanks,

Yorkie41