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Moschops22

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  1. No I didn't have ppi cover as I wanted to save the money. The banks appeal court case is this week - are we likely to get an answer on whether the charges are unfair or not quite soon?
  2. My claim for £2800 is on hold with the courts however I have just been made redundant so I have contacted the Financial Ombudsman who said they will write to HSBC on my behalf asking for my money as I now have no income. I currently live with my parents and don't pay rent but I have 5 credit cards with £8500 owing. The minimum payment or all of them is £220 a month. Am I likely to get my money back from HSBC for this? Has anyone else had their money back that is in a similar situation? Also how long does it take for HSBC to reply, the Financial Ombudsman said it can take 8 weeks.
  3. My friend Hellen has a problem. For the past 2 years she has had a mobile contract with vodafone - 200mins 250texts for £25 a month. she always went over it paying about £40 a month, and doesnt recieve itemised bills. recently she phoned to change her tarriff and discovered that her package that she signed for didn't include the text messages. she still has the contract and her monthly bills that states the 250 texts she signed up for. How does she claim the £415 she is owed. they said they would call within 48 hrs. Guess what, they havent!!! Can she claim interest? Please help my lovely friend
  4. I posted my bundles special delivery today only to find that when I got home I had a letter from DG saying they are going to apply for a stay. What do I need to do next? Is it likely that that the hearing will go ahead if I challenge the stay? I had an offer on 12th June for £2K and I wish I had taken it. Is there any chance I can go back to HSBC and accept the offer?
  5. I'm on at 2 too! Just got home after posting my bundles and I have recieved a letter from DG for a stay. Not a clue what to do now:(
  6. Hi I have a court date at Worcester on the 6th September aswell. I haven't heard anything from DG Solicitors yet (touch wood) and have just sent off my bundle. I'll keep you informed of my situation.
  7. Hi I am really stuck. I need to send off my bundle today. I have been looking at Nawandas Particulars of Claim which is different to the Statement of evidence that is recommended in Court Bundles for Dummies. I dont know which one to use. The statement of evidence says alot of stuff about bank charges being called penalties, but I have no evidence that HSBC have done this, They have always called them charges. So do i delete this bit out of the statement? Please help me:(
  8. Do I attach my Charges Spreadsheet to my bundle as it is or do I need to update my spreadsheet to show interest earnt up to the court date?
  9. Thank you. I'll have a look at it tonight. Moschops is my boyfriends name for me, its from a kids programme when he was younger about a dinosaur and his magic flower!! Also I only have my most recent T+C's which doesn't call the charges 'penalties' etc.
  10. Hi, I have never been on this before so sorry if i'm a bit slow. I have a court date on 6th Sept 07 to reclaim £3K in Bank Charges. I would really like some help putting a bundle together. I have read somewhere that I should not include any correspondence of either mine or HSBC that states 'Without Predudice', is that right? Thanks:confused:
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