Any info. on estimated claims?

[peed orf]

Hi, trying to get info on estimated claims and the best way to do it.
As I see it, it goes along the lines of.......
Count the no. of months account runs for.
Count the no. of months statements you have.
Add charges on statements.
Divide charges by no. of statements.
Muliply that figure by total of months on account.

O.k. presuming that's correct, is there anything to watch for with the Banks getting it thrown out of Court?
Would it make any difference if the account is now closed?
Would it make any difference if the charges are over 6 years old?

[HSBCrusher]

Why are you estimating peedorf?
Your calculations seem fair to me.
No difference if its been closed, but the 6+ year thing isnt so easy. Some have tried, have a search.

Crusher

[peed orf]

Hi Crusher, I sent a Subject Access Request 7 weeks ago, received reply Monday saying they only keep statements for 6 years, and sent me statements for Nov. & Dec. 2000. I have quite a few others.
So I'm going to estimte it, and they can either pay it (I win) or produce the evidence to prove me wrong, also proving themselves to be lying. (I win) preferably option 1.
I think the esimate will fall short of the actual charges.

[peed orf]

Hi all, down loaded the spreedsheet for contractual interest today. Played with a few figures.
If I go with the estimated claim back to 1999 + contractual interest, I could be looking at a very nice figure!
There does seem to be a few CI winners coming through now, Other than the Court costs, what are the risks involved?

[peed orf]

Hi guys, I've got 2 claims going against HSBC at the moment, 1 I started in October with 8% interest, and 1 I started begining of December with contractual interest. Both are approx £1400, is it possible to combine them? Or would they pay up quicker if I keep to the smaller amounts?
Also, I've received a letter for the 1st saying they'll get back to me in February!!!

[lateralus]

that's their new stalling letter usually sent by colin langdale - i think he's chief staller. what would be the point in combining them? to save court fees? i think you should plow on with the 8% as it's a given - stick with it to the end and you get your money, the ci one a bit ifier and it could hold up the easier one - that's just what i think - i'm sure someone else will give their opinion, if they are both personal accts in your name i guess you could, in theory, combine them. see what others say.

[Janeyg32]

Hi, I have got six months of statements back and my letter will be sent in the post tomorrow 11/04/2007 for 1758.66 exactly i will let you all know how i get on.