I have been helping Mr M reclaim the illegal charges (detailed on this site) from HSBC. They have been unaware of my involvement and I have advised and drafted letters for him. Unfortunately for HSBC Mr M has kept all his paperwork.
This is from the original letter he received from Restons solicitors after the bank passed the account to them in 2007, where you can see that a “collection charge” of £1,203.02 was added to the account.
It is this sum that I have been trying to help Mr M recover, with interest (£814.32). Today he received an illiterate letter from HSBC claiming that the charge was not repayable to him because it had been “removed” and that he had been told this by Restons in a letter dated 4 February 2016, which enclosed a statement of account that “proved” that he had not paid the charges (Mr M had two accounts, and exactly the same as detailed below, happened on each):
Note the phrase ‘”collection charges” have been removed’. And now look at the date on the statement it is claimed was sent with the letter:
This appears at the bottom of HSBC statements, explaining the difference between the two statements.
Here’s Mr M’s account balance on an HSBC statement in August 2011:
This balance agrees with the alleged Restons statement claimed to have been sent to him on 4 February 2016. So in August 2011, the bank’s balance was different to Restons balance in the sum of the collection charge.
This chart shows the differences:
If the bank’s statements up to repayment of the debt in February 2016 were available (they have been requested) they will show a credit balance, of the collection charge.
Mr M did receive this letter from Restons dated 3 February 2016, with a different style (barcodes, web address etc). The phantom letter of 4 February only materialised after he had written to Restons/HSBC reclaiming the collection charge.
For those that don’t know, I estimate the total in illegal charges to be £1bn. I have informed the FCA of this new information, with a request that they now involve the Serious Fraud Office. I myself have reported it to the City of London Police Economic Crime Unit, who declined to take any action 2 years ago: