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)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
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  1. #1
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    Default Becci v HSBC ****WON****

    Hi everyone blimey this site is SOOO helpful!

    Well I sent the initial letter off over 2 weeks ago claiming £1784 and so far have only received HSBCicon's standard "we are looking into your complaint blah blah blah" letter so have today sent off my lbaicon including a further copy of my charges spreadsheet.

    Just one little question: I've sent it recorded delivery so I'll be able to find out when it's signed for, but does the 14-day period start from that date or from the date I posted the letter?

    Please help!
    Becci

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  2. #2
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    Default Re: Becci v HSBC

    I think that it starts from the day it is received by the bank.


  3. #3
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    Default Re: Becci v HSBC

    If you use the received date there will be no argument because you can prove this date via the post office recorded delivery system.

    pete


  4. #4
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    Default Re: Becci v HSBC

    Good idea, thanks ppman and castlebest I'll keep you posted!
    B


  5. #5
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    Smile Re: Becci v HSBC

    hi becci i'm just behind you and will be sending my lbaicon on the 18th so i will continue to follow your story.

    fingers crossed it doesnt take us long to get our money back.

    luv babytots x


  6. #6
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    Default Re: Becci v HSBC

    just a little note..... royal mail don't always send post by next day delivery, it can take up to 15 days!!!! so count your 14 days from the date you posted the letter - NOT when it was received. the receipt that the post office gives you is proof of posting should you ever need it in court.

    this advice is given for peeps if their letters have not been tracked on royal mail website.

    If i've been helpful in any way....then tip my scales over there!

  7. #7
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    Default Re: Becci v HSBC

    did mine from date of posting, cos I'm a meanie and want my money back quickly


  8. #8
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    Default Re: Becci v HSBC

    Thanks for your help everyone. I'm going to use the date I posted it - I think I'm inclined to be a meanie where HSBCicon are concerned too! Also, I've read stories on here of the banks insisting they haven't received stuff even when they've signed for it!

    Babytots, its nice to be in touch with someone who's at the same stage as me. I'll keep an eye on your thread too and as you say hopefully it won't be too long before they cough up!

    Becci x


  9. #9
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    Default Re: Becci v HSBC

    Hi All,
    I am at the same stage as you too, sent off my lbaicon had no reply yet, due to file MCOL next Wed. Was hoping it wouldnt get this far, all a bit daunting now. Dreading the next stage!!!!
    Nell


  10. #10
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    Default Re: Becci v HSBC

    Filing on MCOL is not as tricky as people think it is.

    Just take your time,follow the instructions and you cannot go wrong


  11. #11
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    Default Re: Becci v HSBC

    Well I've done it - no response to my lbaicon so I've completed my MCOL. Thanks to all the help on here it wasn't too tricky at all.

    So now I guess it just a matter of waiting. But hey, we're used to that banking with HSBCicon aren't we?!


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    Default Re: Becci v HSBC

    well done becci, now get a schedule of charges ready to send to the court at northampton - to tie up with your claim

    HMCS Money Claim Online
    Northampton county courticon
    21-27 St Katharine’s Street
    Northampton
    NN1 2LH
    customerservice.mcol@hmco urts-service.gsi.gov.uk
    Switchboard :
    0845 6015 935
    General Fax :
    0845 6015 889

    If i've been helpful in any way....then tip my scales over there!

  13. #13
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    Default Re: Becci v HSBC

    Thanks netty I forgot to say I did that too!


  14. #14
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    Default Re: Becci v HSBC

    Help! HSBCicon acknowledged on 11 May so I need to sent a copy of my claim to DG solicitors. However, on checking it through for the 100th time I realised I've calculated the 8% statutory interesticon wrong, meaning I've done myself out of about £300! What a doughnut - I can't believe I didn't spot it sooner, I thought I had been SOOO careful!

    As I've already lodged my claim with the wrong figure what shall I do guys? Is there any way I can amend my claimicon, or should I simply let it run and hope HSBC don't quibble (as my mistake is in their favour).

    Please help!
    Bx


  15. #15
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    Default Re: Becci v HSBC

    any ideas anyone?


  16. #16
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    Default Re: Becci v HSBC

    Quote Originally Posted by becci View Post
    Help! HSBCicon acknowledged on 11 May so I need to sent a copy of my claim to DG solicitors. However, on checking it through for the 100th time I realised I've calculated the 8% statutory interesticon wrong, meaning I've done myself out of about £300! What a doughnut - I can't believe I didn't spot it sooner, I thought I had been SOOO careful!

    As I've already lodged my claim with the wrong figure what shall I do guys? Is there any way I can amend my claim, or should I simply let it run and hope HSBC don't quibble (as my mistake is in their favour).

    Please help!
    Bx
    You can amend your claimicon by completing a form N244icon. It costs £35 which is not recoverable. I think you can download the form form the hmcourts website.

    If you think my post was helpful, please feel free to click my scales


    A prudent question is one-half of wisdom.


  17. #17
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    Default Re: Becci v HSBC

    Hiya Becci, not sure you need to amend your claimicon, I could be wrong but I would think as your particulars of claim state both 8% and your erronious figure you could confirm which is right

    I'm not sure which would prevail, the 8% as a percentage or an actual figure but would write to both the Court and DG stating there is a typographical error and enclose a revised schedule as a first step.

    pete


  18. #18
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    Default Re: Becci v HSBC

    thanks guys. I've dashed off letters to both the court and DG enclosing a fresh schedule of charges and asking them to substitute it for the old one. Fingers crossed it'll do the trick, but I've got the paperwork ready for the N244icon just in case. I'm a lawyer myself so have access to all the forms on-screen, which is handy!


  19. #19
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    Default Re: Becci v HSBC

    Really laffin... becci.. errr... shouldnt you know this stuff

    pete


  20. #20
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    Default Re: Becci v HSBC

    ha ha if only, Pete! My area is tax & trusts, which is a v different kettle of fish - gone are the days when we could deal with just about anything law-related!



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