houghtp vs HSBC

[houghtp]

Hi all,

i'm just in the final stages of a claim against HSBC. The claim was started toward the end of last year but has only just got to court.

hsbc have called to offer a settlement figure, but what they are saying is the settlement figure will be less than the amount i'm claiming because some of the charges are over 6 years old, but they were not over 6 years when i started the claim. Where do i stand on these charges? i'm claiming roughly £1,600, they are offering me £1,300. My claim was origionally from novemebr 2000 - present, but they are saying i can only go back to april 2001 now.

thanks

[ChloeJane]

Hi there,

I would stand your ground in that when you started your claim it was based on 6 years figures. The fact that they have delayed action in settlement does not negate the date of the claim when you first made it.

I would quote the date on which you first began your claim - and that this is a valid date and when action began so therefor falls within the limit of statutes for claims. i.e when you start the action and begin to pursue a debt.

I would refuse their offer - and pursue and think it is very cheeky of them to underestimate you and think you are willing to back down now.

The letter of rejection letter can be found here -

Rejecting Offers

I would use template 1 - it clearly identifies when you began the claim which a judge will rule in your favour as the date of first beginning negotiations and the settlement process.

Don't be intimidated - you are correct - they are merely arguing to save a little money.

Good luck!

[houghtp]

brilliant thanks for your quick reply!!!!