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richardsimkiss

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Everything posted by richardsimkiss

  1. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Just got back from another 14 hour day... logged onto MCOL to find that HSBC have today filed an acknowledgement... Now to wait another 14 days :angry:
  4. Have been on the phone to the MCOL Helpdesk who have told me that although 14days has passed, because the 14th day was on a weekend I cannot request judgement until the end of today (end of the first working day after the deadline). So submitting my claim on a Saturday has given HSBC an extra 2 days to file an acknowledgement or defence! Fingers double crossed they won't though, I could really do with some money ASAP! lol.
  5. well.... seemingly no defence entered so far (well status on moneyclaim online hasn't changed at all) but having tried numerous times since midnight to apply for a judgement i'm being given the error message Argh! Will try again in the morning, not too sure what the hold up is though?
  6. well HSBC still have 3 days to enter their defence or at least acknowledge the claim... Saturday is the day of judgement, the day by which they must enter their defence or acknowledge the claim, I will then apply for a judgement to be made. I've been incredibly busy over the past few days with work (doing 14 hour days) so haven't had a chance to enter a complaint regarding their failure to comply with my DPA request. Though rest assured I fully intend to.
  7. What on earth has that got to do with this thread? :? recieved a letter this morning dated 16th March saying they would contact me again by 6th April 2006 and expect to be able to give me a full response then, they currenly have 5 days remaining to enter their defence and i've recieved no information on statements relating back to my DPA request...
  8. I managed to get all my statements online and work out the total charges, less any that have been previously refunded, and therefore the amount I am claiming is accurate... although I have all my statements via online banking I did request statements under the DPA which so far I have heard nothing about, by Monday 20th the 40 days will have expired. Just to note, my DPA request was done under the old style letter which requested a refund of all the charges or to be sent all my statements (under the DPA). I do feel this was still a clear request under the DPA which they should have at leas
  9. Thanks Bankfodder, useful to know Well it's the 16th, and the post's arrived, almost unsurprisingly there's nothing from HSBC. I'll wait and see if anything turns up tomorrow that they may send today, but I won't be suprised if nothing turns up, I'm sure it'd only be a generic response... and we all know how it costs the bank £25+ a time to send out a generic letter! 9 days left to enter a defence... :twisted:
  10. Well the clock is ticking... It's been 34 days so far since they recieved my initial request for the refund of charges and DPA request... wonder i'f they've forgotten about my DPA request Thursday is the 16th March, the deadline which they have set themselves to give me a full response regarding my initial letter (which contained the DPA request) Will be interesting to hear what they say having been investigating for 34 days! And lastly, they have until 25th March to respond to my claim, My claim was issued on the 6th March, I was informed it would be deemed as served on 11th
  11. Firstly read the FAQ and step by step guide. Then use the knowledge gained from reading it to decide what you need to do next. As Bankfodder has correctly said in the FAQ section, this is not a 'Get rich quick' scheme and you could well end up in court (should you decide to put a legal claim in)
  12. EDIT: Computer Problem, Double Post, Sorry!
  13. Please note, had you read through previous posts of the HSBC section, or even looked at the titles, you would notice that the 'all HSBC statements are free online' comment has been posted numerous times already. the 40 days under the DPA does work, but in my opinion 40 days in a long time to wait, I got my statements free and online in a few hours. It does depend on your personal situation and preferences.
  14. It would DEFINATELY be worth pursuing getting a copy of that phone conversation under the DPA... although i'm sure the bank would claim it's a mistake by an employee, it certainly wouldn't hurt your case at all should the matter reach court!
  15. I'm surprised you can only get statements back to 12/03?? I can't be sure but i always imagined the first direct online banking to be the same as HSBC online banking where you can definately get the last 6 yrs statements online... Obviously not though!!
  16. Hi mate, Just a bit of advice you might find useful... If you click on "Profile" at the top of the page, amongst the options you will see a setting for "Always notify me of replies:" if you turn this on it will send you a brief email containing a link to the topic when somebody replies in a thread you've posted in, there's also a link in each email to "stop watching this thread" I've found it very useful for keeping track of topics that interest me
  17. If you were to withdraw funds from your HSBC account to leave a balance of (£829), leaving £171 of availble funds in teh account. Put this money into the other account that you've opened and operate from that account? would this extra £300 odd be enough to tie you over until your next paycheque? If so then you could possibly operate in that way. With an overdraft of £829 if they remove the overdraft facility you could contest that £829 is the fee you calculate that they owe you. I think a few people have approached the matter in this way, to what success i can't be sure though, you'd have
  18. I can imagine HSBC are recieving tonnes of these letters now, and I guess much like we know what to expect from them, they know what to expect from us... I guess that until they're willing/able to try and fight back, scaring people is their best tactic, hoping they'll not want the worry of going to court. I think in the past it was probably to stall for as much time as possible, and probably still is in many cases. I'm really wondering what is going to happen in the coming months, surely banks can't carry on like this with such huge numbers of letters requesting charges back, I'm won
  19. If you want to be 100% sure they get your letter, take it in personally to your local branch, get the name and signature of the person who takes it off you. can't go wrong 8) So far i've just used recorded/signed for delivery and not had any problems at all!
  20. If the charges meant you were in an overdraft, you would pay interest on the overdraft to the amount of the charge. To the best of my knowledge, "Interest that is charged on the charges" is just a different way approach to saying "overdraft interest for the sum which you have taken"
  21. The template letter has altered since i sent my first claim... the letter in the library is for claiming the value of charges. If you were charged interest on these charges and are able to calculate it then you may be able to request this as well. The interest calculated by the excel spreadsheet is to calculate the 8% interest that you are able to claim under the County Courts Act should you issue a claim to the courts, you cannot request this 8% in your initial letter. Personally I have not tried to claim for any interest that I have been charged on the charges, which IMO keeps
  22. If you're unsure/uncomfortable on suing them for "breach of an implied term to comply with their contractual duty to confirm to UK law and any reasonable requests made under UK law - including a DPA request." (as I would be) then personally I'd suggest keeping it simple, sticking to the fundamental argument that most are claiming on. Remember that whichever route you choose, you may have to justify it in a court room.
  23. I'd say it was pretty black and white, following the advise on the MCOL site you really can't go wrong! If the status on MCOL shows that a judgement has been entered, then simply request a warrant of execution. Once you have your money, the matter is closed and you can go and enjoy a nice beer. Like yourself i'm unsure exactly of how requesting a warrant of execution differs from issuing a default notice, but I would get the matter concluded ASAP. 8)
  24. as you have already stated... and taken from the link you posted: Then do it! I don't see any reason you would hold back? :? At end the of the day it's only going to help you get your money quicker, which is ultimately what you want!
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