Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi.. just thought i'd add my 10p... sent my letter requesting almost £2k in charges an interest on Monday and am just sitting patiently (altho its practically killing me)
I will post once i hear from the bank... but if i'm honest, as much as this site has been an absolute saviour, i'm a bit scared of the whole thing. I'm determined to get my money back but i can feel my steely resolution wavering already!
Somebody boost my confidence, please!
Good luck everyone who is taking the HSBC.....
Hi.. just thought i'd add my 10p... sent my letter requesting almost £2k in charges an interest on Monday and am just sitting patiently (altho its practically killing me)
I will post once i hear from the bank... but if i'm honest, as much as this site has been an absolute saviour, i'm a bit scared of the whole thing. I'm determined to get my money back but i can feel my steely resolution wavering already!
Somebody boost my confidence, please!
Good luck everyone who is taking the HSBC.....
dont panic, you're doing ok, just stick to the steps and your timetable, dont be dissuaded by anything the bank say or do , unless its Full and final settlement
HSBC- £4995, settled payment in full
if you found this post helpful, please click the scales (top right of post), ta
if you're not sure what to do?, Read the FAQ's
Unsure about what to claim, or confused about overdraft interest? Charges explanation
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Is it vitally important for me to open another bank account just in case the worst happens and HSBC shuts me down? Am concerned that my credit rating will stop me from being able to open another a/c.
Thanks.
Hi... can anyone please help me with the Timetable guide - what i should be expecting and when? I've looked thru the forums and can't seem to find i.
Thanks
The time you are giving the banks to respond will be detailed in the letters you send to them.
Please read the FAQs - there is a step-by-step guide telling you what to send and when.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
I was in the same boat, i got declined for a smile.co.uk account as i have bad credit. Its because their accounts come with a £500 overdraft.
i went to Natwest high street and was granted a full account, with chequebook and cards. if you have no proof of income, they will just give you a cashcard untill you have had 3 months of wages going into it. at least you will have an a/c and be able to get paid etc. I only asked for their basic "step" account but they offered me the advantage gold account.
Hope this helps
HSBC Current - Prelim sent 2/6/06 £1060 Reciept confrimation 5/6/06 HSBC Credit - Statements requested 6/6/06 - I reckon around 500 notes. NATWEST - Parachute account opened 4/6/06
Hi... can anyone please help me with the Timetable guide - what i should be expecting and when? I've looked thru the forums and can't seem to find i.
Thanks
Basically, they have 40 days after you request your statements under the data protection act, then you send a preliminary letter, which gives them 14 days to refund all charges. when they ignore this, or send a load of leaflets, you send a LBA or letter before action after 14 days informing them that in another 14 days you will be taking court action. if you get to this stage you file a claim with 8% APR added. the bank then gets served a summons and then usually pay you the full amount at this point.
You set the timetable but this is what we all use.
HSBC Current - Prelim sent 2/6/06 £1060 Reciept confrimation 5/6/06 HSBC Credit - Statements requested 6/6/06 - I reckon around 500 notes. NATWEST - Parachute account opened 4/6/06
What reason do you give to the new bank for opening a current account with them?
Surely if they get wind that i am trying to claim back charges from my current back they will decline my request to open an account with them?
p.s. is now day 10 and am still waiting for any correspondence from my Prelim Request for Charges Letter - don't they know its churning me up?!?!? (why is there no smiley for "stressed"!! lol!)
What reason do you give to the new bank for opening a current account with them? Surely if they get wind that i am trying to claim back charges from my current back they will decline my request to open an account with them?
GE capital (5 accounts) WON link HERE
Lloyds bank account WON second claim starting! link HERE
Budget insurance cough up WON linkHERE
Principles WON link HERE
A&L (Mrs Crusher's account) claim link HERE
Barclays claim link HERE
I've never been asked why I wanted a new account. There isn't even space on the forms to ask it lol Your new bank has no idea whatsoever why you are opening a new account and they really don't care. They are happy for the business
Pam.
If anything I've said helps you then please feel free to tip my scales!
i've received a letter from the bank today saying that they will pay me 1380 of my 1585 claim..... are you allowed to claim the 8% interest on these charges as well? or is this only when/ if it goes to Court?
claudee2002 vs HSBC
on Monday and am just sitting patiently (altho its practically killing me)
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Originally Posted by claudee2002
HSBC Credit - Statements requested 6/6/06 - I reckon around 500 notes.
