Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


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  1. 29th March 2009 20:04 #1
    lee32uk lee32uk is offline
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    Default How should i restart my claim against HSBC?

    Hi all
    I am currently claiming back PPIicon insurance against Royal Bank of Scotlandicon (Seperate thread) and i now wish to reclaim against HSBCicon for ppi on a credit card.
    I initially wrote to hsbc sometime in late 2007 requesting they refund the ppi, to which they refused.I think i got as far as getting there final response, although i havent got the letters at hand to verify.I then left it on the back burner as i wanted to see how the other claim unfolded against RBSicon.Also didnt expect it to take so long

    Anyway my question is should i start from scratch, as i havent corresponded with them for over 12 months ?

    Thanks
    Lee

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  2. 29th March 2009 20:14 #2
    callumsgran callumsgran is offline
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    Default Re: How should i restart my claim against HSBC?

    If i were you i would write to them asking them to confirm their final response (they dont know you've lost it) and see if they respond
    If they dont then you may have to start again

    I QUESTION THEREFORE I AM!!

    Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you!


    I have been smoke-free for 4yrs
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  3. 29th March 2009 20:22 #3
    lee32uk lee32uk is offline
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    Default Re: How should i restart my claim against HSBC?

    Thanks very much

    regards
    Lee

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  4. 30th March 2009 17:53 #4
    alanalana alanalana is offline
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    Default Re: How should i restart my claim against HSBC?

    Hi all
    I am currently claiming back ppi insurance against Royal Bank of Scotlandicon (Seperate thread) and i now wish to reclaim against HSBCicon for ppi on a credit card.
    I initially wrote to hsbc sometime in late 2007 requesting they refund the ppi, to which they refused.I think i got as far as getting there final response, although i havent got the letters at hand to verify.I then left it on the back burner as i wanted to see how the other claim unfolded against RBSicon.Also didnt expect it to take so long

    Anyway my question is should i start from scratch, as i havent corresponded with them for over 12 months ?

    Thanks
    Lee
    Lee as with your RBS thread start with the Subject access requesticon get all the ammunition you can and take it from there. To be able to fight these folks you need the facts as they have them, your SARicon enables you to get those facts and do not be put off if they try and evade. If they do not supply the goods hit them with a formal complaint to the ICO.

    Remember to ask for the needs and wants questionnaire or customer duty of care questionnaire that they should have completed at the point of sale

    I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
    ------------------------------------------------
    Bank charge successes:
    Halifax - Full settlement incl interest.
     HSBC - Settlement, goodwill no admission of liability about 75% of claim.
     RBS - Settlement, goodwill no admission of liability about 70% of claim.
    2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
    PPI Successes
     PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
    2 claims settled in full with LV without FOS involvement.
    2 claims settled in full with HSBC without FOS involvement

    PPI Claims ongoing with:
    Cap one Now with the FOS
    Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
    LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

     1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
     Post 290 from
    ***RBS PPI Claim Long fight but, WON***
    Please do not PM me for advice as it may be sometime before I can respond.

    Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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