Quote:
Originally Posted by Xaccers
There was no need to go down the DPA route as we had the information to hand from bank statements.
Faulty's tried contacting the bank regarding this and has been ignored every time, although last time she actually went into the branch to discuss it, they admitted they were wrong to take the charges, but said they couldn't do anything about it as it was with another dept!
Many of the charges are charges for charges, where we've had to use her card because my work has screwed up my pay day (I blame Gordon Brown) or where Barclays have delayed clearing cheques into my account (should take 6 days, our deposit cheque from our last house took 7 working days to clear).
The card hasn't been used for about a month now, and there are no plans to use the account again as my wages have been sorted.
The above letter has been discarded, and I've taken over, using the info on the moneysavingexpert website. Currently waiting for the 40 days to run out on the DPA request I've sent to HSBC for my old account.
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Xaccers old chap,
Be careful in what you're doing. By "taking over" from aul ma Xaccers you are affording the bank even more leverage in that they will draw this out as long as possible.
Additionally,
under no circumstances should you or she be explaining to the bank how they arrived at a position whereby they thought they were entitled to levy charges. In doing so you are weakening your case by affording them the opportunity to find fault in her / your money management and you / she might well find yourselves in a predicament whereby they close her / your account citing this as a (perfectly reasonable) reason for doing so.
You know where to find me.