HDR - v - HSBC

[Dougal16T]

Good morning all...
I started my claim in November 2006, called into my local branch and requested statements...after 7 further visits (each time I was told 'they're (a) on their way, (b) being dealt with...etc) finally got statements in late March 2007! (Had to sit in bank and say 'not going till you give me...)!However sent 1st letter 4/4/2007, reply by HSBC 15/4/2007 'looking into this...8 weeks etc...' I IMMEDIATELY (16/4/2007) sent second letter, (both included copy schedule of charges, £3700 total) letter included an offer to settle @ £3000.00.(Within 14 days of letter date) Even went into local branch on last day and they faxed Head Office, but no reaction by HSBC! Filed MCOL on 1/5/2007, proceedings acknowledged by HSBC sols on 3/5/2007 (note Court say 'deemed served on 6/5/2007') nothing heard as of today. 28 days from date of service expires 3/6/2007 (Sunday). Trial bundle (3 copies - including T&C from 2003) prepared and ready for service on HSBC and Court. Possible Judgement by Default...watch this space!!

Unbelievable the poor approach by HSBC....their staff often said 'we can't cope'...need I say more.
Best wishes to you all...apologies for long post!

[freakyleaky]

Hi and good luck. You seem to have it all sorted. Don't forget you don't have to get your court bundle in until 14 days before your court date. It will cost you a fortune so don't send the bundles until you have to. You should getan offer before then.
Start sending nudge letters to dg together with a copy of your breakdown of charges. Also send 2 copys of your schedule to your local court and ask them to be included with your claim.
Dg will put in a defence at the last minute and even if they miss the deadline the courts seem to give them more time. Once they defend your case will be transfered to your local court.
There are loads of brilliant threads on this site that will tell you in more detail what should happen next. Just shout if you need help and you will get help.

[Dougal16T]

Thanks for the info...all help VERY gratefully received.

It seems they have till the end of today (It's Friday)....If they do put in a defence at the last minute, I shall have the option of asking for it to be struck out as an 'abuse of process'.
I will however be applying immediately Monday morning at 9.30 (when the Court opens) for ('Judgement by default') if they don't.

LET'S KEEP 'DOING IT TO THEM - THEY'VE ALREADY DONE IT TO US!!!

BEST WISHES TO EVERYONE.

[Dougal16T]

Further info...unable to access MCOL up until about 10 mins ago (10.30 a.m. 1/6/2007) and guess what? Defence filed! Late or what?
We'll see what happens next.....

GOOD LUCK TO EVERYONE....KEEP GOING.....YOU KNOW IT MAKES SENSE!!

[pinkduchess]

flippin' heck - youre well prepared with the court bundle done already!!good on you.

defence filed at the last moment

oh well - on with the next stage. I wish you luck

[Dougal16T]

Just an update....transferred to Eastbourne County Court, no AQ and hearing date 20/8/2007...watch this space, as Trial Bundle being sent next week!

Keep going.... don't let ANYTHING stop you....you know it makes sense!

BEST WISHES TO ALL OF YOU..........

[pinkduchess]

and to you dougal

[Dougal16T]

TRIAL BUNDLE SENT TO DG - UPDATE FOR ALL.....On Tuesday 3rd July 2007, I sent my trial bundle prepared with the wonderful assistance of everyone here (many thanks ) to DG Solicitors by Special Delivery at the Post Office. It cost £7.50 but guaranteed delivery by 9 a.m. Wednesday 4th July!!! (A good day in the USA! - might be the same at DG!!)

Also at the same time went to Eastbourne County Court and filed my copy trial bundle for the Judge and paid the Allocation fee of £100.00, even though the AQ had been dispensed with. NOW WAITING.......?

BEST WISHES TO EVERYONE HERE - AND ESPECIALLY NOW TO YORKSHIRE CUSTOMERS.. ...REMEMBER IT'S YOUR MONEY SO KEEP KNOCKING ON THEIR DOOR!...and 'Let's be careful out there!'

[Dougal16T]

UPDATE - FURTHER TO LAST POST : NOTHING HEARD FROM DG AFTER 7 DAYS. ORDER FROM JUDGE WAS TO EXCHANGE TRIAL BUNDLES 'NO LESS THAN 21 DAYS BEFORE TRIAL DATE' (20/8/2007)...DG'S LAST DATE TO FILE IS 30/7/2007!

I'LL KEEP YOU ALL POSTED - I'M CLAIMING JUST UNDER £4,000, AND HAVE JUST ISSUED CLAIM NUMBER 2 AGAINST HSBC! (ON NO 2 A/C)

BEST WISHES TO ALL AND REMEMBER IT'S YOUR MONEY YOUR AFTER!!
_________________________ _____________________________
TO DATE:

AMEX CLAIMED : £277.91, THEY PAID £143.01 AS 'GOODWILL GESTURE', SO I FILED MCOL THEN AMEX ACKNOWLEDGED SERVICE AND OFFERED BALANCE OF CLAIM INCLUDING INTEREST AND COSTS OF £30.00. THEY SENT TWO COPIES OF A 'NOTICE OF DISCONTINUANCE' (FORM WHICH BASICALLY SAYS YOU ARE CEASING THE ACTION AGAINST THE DEFENDANT) WHICH THEY WANTED ME TO FILE BEFORE THEY PAID OUT. MY RESPONSE WAS PAY OUT FIRST THEN I'LL FILE! AS AT 11/7/2007 STILL WAITING....BEWARE OF THIS FORM - DO NOT COMPLETE IT UNTIL YOU HAVE BANKED THE CHEQUE AND IT HAS BEEN PAID!!!

[Rayne]

sounds to me like u got it all sorted out - keep going buddy

[Dougal16T]

Thanks Rayne....all support is much appreciated - this has been a very difficult time for me -personal problems (DIVORCE! ) and the sudden accidental death of a much loved West Highland Terrier has made the past months very stressful - BUT I take great comfort in knowing that we are all together in this struggle, so to everyone out there a great big :

THANK YOU FOR ALL YOUR HELP, I COULDN'T HAVE GOT THIS FAR WITHOUT YOU - WE MUST KEEP GOING (AND REMEMBER LET'S BE CAREFUL OUT THERE!)

[rob-the-viking]

Good to see you're full of fighting spirit Dougal! I'm subscribing to this thread so I can watch your case unfold. I'm particularly interested in the n244 action you propose to take! Consider my breath baited.....

a happy thought thinking

r-t-v

[Dougal16T]

REMOVAL OF STAY : FURTHER UPDATE - BOTH CASES WERE STAYED BY THE DISTRICT JUDGE - I HAVE APPLICATION IN FOR STAY TO BE REMOVED ON BOTH - BEING HEARD AT EASTBOURNE COUNTY COURT ON MONDAY 20TH AUGUST 2007 AT 10.00 A.M. 30 MINUTES ALLOWED!! WATCH THIS SPACE....!!! GOOD LUCK TO EVERYONE..KEEP GOING - YOU KNOW IT MAKES SENSE! THIS IS MY ORIGINAL DATE FOR THE HEARING THAT THE JUDGE STAYED!!

[pinkduchess]

good luck for monday dougal

will be watching

[Dougal16T]

Thanks Duchess,
I couldn't have done it without you (all of you..the help and advice on this site is invaluable!)

Remember - 'Let's be careful out there!'
Best wishes to everyone.

[jowalshy]

Good luck Dougal for Monday. Let us know what happens.