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About Kazzy77

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  1. my suggestion would be to try more than one bank. i got one with barclays and i'll bet my credit score is lower than yours lol. i have read a few posts saying that natwest give some kind of basic bank account that is really easy to get and co-op bank may be worth a try too. if the worst came to the worst, you'd just have to stay with hsbc and wait for your credit scoring to improve. heres one link regarding the way to improve your scoring but theres plenty more indepth ones if you google for it Improve your credit rating | This is Money
  2. i signed for my settlement before realising they have slapped another £125 charge on my for next moneth. im having no luck contacting them by fone so will end up sending another prelim at the end of the week so know how u feel! would be fab to have it all for xmas
  3. when DG ask for a breakdown, add in any further charges and just say in your cover letter that u want these charges back also. they will pay if they want you to accept their offer which will follow. they may try to offer you only part of what u have put in your mcol but you can insist on having the rest. they will be desperate to settle out of court so u will hold all the aces really. make sure you do appear reasonable though as if it did go to court (which is highly unlikely) then u would want to look nice a nice, reasonable person
  4. forgot to mention the statements lol. i have internet banking so was able to pull off 6 years worth from the "statement" option online. if you have internet banking its great for startiong your claim. it took 10(ish) days for my credit card statements to arrive but if you are doing the SAR it really is different for everyone. hope this helps x
  5. hi again, i have a credit card with hsbc which i am paying off monthly and winning back my money for current doesnt seem to have caused a problem. hsbc only close your account if u claim a second time. that may be a second claim for the same account or a second claim on a different account with them so if u want money back for multiple accounts with them and they add up to under £5k (excluding interest) then i would put them all in the same claim with all the account numbers added on for reference. If you do need to do seperate claims them i would open an account with a differe
  6. Hi Andy, I have just recieved a full offer of everything HSBC have taken from me in the last 6 years with interest so if i can do it (along with the thousands of others) then so can you! stick to your guns, ignore their waffle and dont except anything less than the lot! Enjoy the site cos its brilliant. I originally just wanted back bank charges but thanks to this site and hours spent reading all the different topics, i realise im owed more than just bank penalties and know what I am entitled to with regards to anything consumer related so i hope you will find this site as val
  7. thanks Bong. I figured as much and wrote the letter saying what u just said yesterday but was hoping they would just return a call. Im laid up with a nasty cold and dont wanna drag my bum to the post office in the rain to record delivery it lol. Im closing the account anyways so will start with another prelim if i get no joy after sending the letter. hopefully they pay me quickly for the settlement so that i can afford to take everyone else to court (after making my donation, of course!)
  8. thanks everyone As soon as the money is in my account I will make my donation. couldnt have done it without this site, i wouldnt have even known where to begin! just one more question though, now i have accepted the offer and have signed/returned the paperwork, do you think its too late to ask them to NOT take the £125 charge they have put on my account for next month? they've never tried to take that much in one charge so it must be spite. i havent halted court preceedings as i dont have the money back yet and i have left 3 messages at dg in past 3 days and not one of the
  9. hello maria I have to say, my husband works for a company that does the security software for many banks and BIG international financial institutions and even they r a worry. my husband has access to hundreds of thousands of personal debit and credit cards and he sometimes worries that these arent kept very secure by the very companies that the banks pay to keep them secure. I agree that its wise to keep a track on with CRAs. Experian are doing a free 30 day trial but theres another company that gives u access to all 3 CRAs for only £15 per 3 months. well worth it! will look u
  10. just make it out to hsbc bank plc. once u have your statements back, add it all up, fill in the spreadsheet, print it off and then send it in with your prelim letter. you will have your dosh back by xmas! (if they send statements quickly) good luck
  11. if its past the deadline ignore it and file. they r so damn cheeky! get ur 8%. that'll teach them to keep acting at the 11th hour! good luck
  12. if they think they can put one over on u or intimidate you into believing u cant win they will do it at every step. if this happens then come back and post about it and we can reassure u they r bluffing lol. as for what other people say...they obviously dont know what its like getting into a bad cycle of charges. iccuring 1 charge means they can charge u more next time and so on until it snowballs so once it happens once, its very hard to get out of. hsbc would have been really pleased when you inccured charges and took advantage of the fact. they want you to stay in a spiral and th
  13. for the recorded delivery u go to post office, ask for it specifically and it'll cost £1 u must include the spreadsheet and send that in but do not claim 8% at lba stage as this is only what u can claim at the litigation stage. if u want contractual interest then u cant claim the 8% as well i believe. however, the contractual would come to more u can claim contractual interest at this stage, i think? (please someone correct me if thats wrong).
  14. its my first time too and thats how it happened for me. have had full offer and just waiting for the dosh so be excited lol
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