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ribena13

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  1. Is no one speaking to me anymore??? need help re managed loan is there any threads with some info on claiming back interest etc for managed loan forced into by HSBC - i know its been a while since been on line!!! :grin: :grin: :grin: :grin:
  2. Hi - sorry to hear you are still battling but hold on there! you will succeed!!! floods here as well - is awful and we are sat bumming around at home - that will please the banks (no work no pay!!) ah well atleast you have a jolly tomorrow! georgie
  3. HI BACK AGAIN!! HOPE YOU ARE ALL WELL? hOW DO I GO ABOUT SORTING OUT MANAGED LOAN - TAKEN OUT LAST YEAR AS FORCED INTO IT BY HSBC AFTER GETTING INTO DEBT AND BEING UNABLE TO PAY BACK CREDIT CARDS AND PERSONAL LOAN - THEY CONSOLIDATED IT ALL INCLUDE BANK ACCOUNT OVERDRAFT WHICH TOTAL £13,500 - i HAVE MADE REPAYMENTS TO DATE BUT WHEN CHECKING BALANCE HAVE HARDLY DINTED THE TOTAL AS MOST GONE IN INTEREST. THIS WAS FORCED ONTO US AS HSBC CLOSED DOWN ON US COMPLETELY AND WOULD NOT ALLOW US ANY MONEY AND WE HAD A BUSINESS ACCOUNT WITH THEM AT THE TIME WE COULD NOT MOVE SO EVERYTIME A CLIENT PAID THEY HELPED THEMSELVES LEAVING US WITH NO MONEY FOR FOOD, RENT ETC...BASICALLY WE HAD NO CHOICE IN THE MATTER! CAN I DO ANYTHING ABOUT THIS - WE HAVE ALREADY SUCCESSFULLY WON BANK CHARGES CLAIM WHICH PAID OFF A FEW SMALL DEBTS WHICH ALSO AROSE AT THIS TIME - NOW I WANT TO KNOW IF I CAN SORT THIS OUT OTHERWISE I AM TIED TO HSBC FOR NEXT 11 YEARS WITH POOR SERVICE FROM THEM AS CLASSED AS SECOND RATE CUSTOMER FOR HAVING MANAGED LOAN AND ALSO CRAP CREDIT SCORING! ANY HELP DESPERATELY REQUIRED - I HATE HSBC AND THE QUICKER I CUT ALL TIES THE BETTER! CHEERS FOR ANY HELP RIBENA
  4. Hi am back again sorry its been so long. Well after success of claimng bank charges back I am now looking into claiming managed loan interest paid to date as read a couple of months ago that this was possible? Anyone got any ideas of where the hell I start and where I need to go as cant find the thread? Hope you all good ST4 how's your claim going - any good news? Ribena:p
  5. Thank you GMMM and pete!!! lol Sent letter today........I'm nearing the peak!
  6. Thanks Guys I will scan the return letter and send tonight and then send a hard copy tomorrow in the post first class as it runs from the date they receive the signed letter. I dont mind waiting I suppose I have waited this long it was just I wondered if they were just dragging it out longer......oh and the little fact that I have promised to put the money to good use and treat my twelve year old to a new bedroom makeover.....something she has never had (sufficing on second hand me downs!)........I will wait and be patient and thank my lucky stars that I have received an offer out of court. Thanks again
  7. Hi all Had response from DG today regarding my letter accepting their offer without confidentiality clause. They have agreed to exclude this clause but have stated that becuase their client is settling in full they will attempt to put the payment into our then we are unlikely to succeed in court. I want to accept the offer of course as its closure but I am not happy that they are stipulating they will 'attempt' to make a payment within 14 days as I feel they are just dragging this out longer! Any advice as I would like to respond to their letter asap preventing further delays! Hope you all well
  8. Thanks again everyone you have all been a great support. Today i sent letter as advised, I sent this recorded delivery so they will definately received, giving them 7 days to put money into account. I will let you all know how I get on. Right now onto claim number 2!! Although this one is going to be complicated and a bit more nerve wracking as I am going to attempt to claim all interest on Managed Loan paid over the past year and still am not quite sure where to start - alot of investigating and pulling paperwork to suss out how much of the managed loan was to clear everything up with HSBC and then take percentage and work out interest for this percentage charged and then do a nice little letter to HSBC politely asking for it back!!! Anyone got any further advice on this one I am all ears - up for a challenge now!!!
  9. WAW My AQ Deadline was 4th April - DG did not submit theirs until Friday after receiving order from court ordering AQ within 7 days or struck out! Contact the court and ask them if they hav received AQ and if not what they plan to do next??? You need to keep up contact with both sols and court.....I think however I was particularly lucky maybe that the judge was so quick to act and order the AQ within 7 days am not sure if this is the norm. Keep your chin up and keep on - you will succeed I am positive of that - I would suggest sending nudging letter to DG and contacting court for their next plan of action becuase the AQ has not been submitted. Chin up
  10. WAW There seems to be no set rule on offers they are very random! I am sure you will get one soon. I gave them a call well a few calls and left messages as never spoken to anyone at DG, on Tuesday / Wednesday (cant remember precise) got call from DG returning message to say they have got my paperwork and are dealing with.....this seems to be the point in most cases when an offer comes through. Have you sent gentle nudging letter yet? See Lattie thread on my posts - this wll just say you are still around and awaiting response!! I agree no to harrass them as I did not and they seemed to get on with my claim but they may need gentle prod to let them know you are around and your claim is being dealt with! You will get it I am sure...I have had my confidence restored however I should not be too quick to be cheery and smug as it was only this week I was posting explaining V worried as no offer and no contact from DG - they too had not submitted AQ! Good luck and keep in touch Georgia
  11. Thanks Netty without you I would have given up!!!! WAW thanks. St - i read your thread - good plan - I still stand by what I said I am here to support yu so if you need any support at court stage etc I am on hand always! Just cos won this time am staying around I'm afraid !! lol!!! And netty large voddies all round!!! Ooohhh I feel like celebrating however money not in my hands yet!!! Have to stay level (boring)......just one question - Do i copy court in on letter accepting offer etc as drafted by GMMM???
  12. WAW Just received full offer from solicitors today. Began claim 7th jan Unfortunately it appears that with so many claims going through they are stalling time process and those offers are taking longer to come through. I felt the same though and as Netty will inform you was jittery mess for a while wondering if would ever get money and if should have accepted pathetic offer. Am so pleased stuck with it it really is worth it and Netty, Lattie and GMMM are all here to support you they are a great support use them if you need help or advice!
  13. Thanks GMMM, jowalshy and smoothy I will draft letter and have in post first thing monday morning and let you know how i get on with it. Well thats certainly brightened my weekend. Special thanks to Netty and Lattie who have supported me throughout this. X
  14. Am so happy that could finally be seeing end to this claim and can hopefully look forward to the rest!!!!
  15. Received Full Offer from DG!!!!!!! :) Today I received letter from DG solicitors with a full and final settlement offer of entire amount of claim totalling - £1721.87 (this includes all court costs) I have written the letter received out below and wanted some advice on how I respond to this and accept their offer without the confidentiality clause etc: 'HSCB i however mindful of the management time and irrecoverable legal costs associated with litigation in the small claims regime. For those commercial reasons alone, and without any admission of liability whatsoever, HSBC is prepared to make an ex gratia payment to you in the sum of £1721.87. That payment is made in full and final settlement of your claims arising from the charges applied to your account in the period referred to above (31 October 2001 - 10 April 2006 - all charges applied at this time) and by accepting this payment you agreed not to make any other claims relating to charges for the period stipulated (well there are no further charges for these dates). HSBC also, reasonably, required your confirmation that you will treat this payment as confidential. If you accept this proposal please sign and return the enclosed copy of this letter to us and we will arrange for a refund to be made to you.' I also received a copy of their completed AQ?? Any advice on how I should move forward with this would be much appreciated. I dont want them to stall any longer so was thinking of putting time scale on receiving payment as I know what they are like?? I will also be making a donation to this wonderful site...you are all great and I intend to continue with other claims especially for Managed Loan and keep in touch regularly with this site for help with this. Let me know your thoughts. Ribena :)
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