Woo Hoo I WON!!! With a week to go till court I have had a letter offering me the full amount (only £130, but it all helps). Firstly massive thanks to everyone for your help, you really helped calm the nerves and due to some mistakes I made at the beginning of the claim doubt I would have won if it wasnt for your help and advice. Im not sure how to change this to a case won so if someone can let me know I will change the title. Thanks again and I hope my other 2 claims go as well. :D

Thanks anyway Crusher, would I be best to include a copy of HSBC account T&Cs or just not include any T&Cs?

Thanks lateralus I will PM them now

Thanks for the links, when readin thru them they do not mention the credit card, do you have a seperate link for the credit card t & cs?

I am preparing my court bundle at the moment and need to include the original Terms and Conditions, will these be the same for the HSBC Credit Card as they are for a bank account?

Another quick update. After completing the new POC the wife has received an offer for the full amount!! She is with Barclays but thought I would post it in here as this is where I got the advice to redo the POC. Still waiting to hear from DG about my claim but fingers crossed. Massive thanks for all the advice.

Just thought I would let people know that we have just recieved an offer for the full amount (£490) ! What a bonus, really thought they were going to drag it all the way to court so really happy!! Thanks to everyone for the help and all the information available in other threads.

Morning I have started a claim against Barclays for the other half. We have a court date of 29th June but hoping they will settle before then. I made a mistake on the POC so filed a new POC the other day as per the template on this site and paid the £35 amendment fee. Today we have receievd a letter from the local court saying 'Please find enclosed a copy of the details of the claim, we do not hold a copy of the claim form on record as the claim was issued online'. There is another sheet with this headed 'Case Details' giving details of the amount claimed, date, description of case event including applications etc and also showing the old POC. Does anyone what this is? And why it is still showing the old POC? Thanks in advance

LOL, yeh that makes sense, thanks for the help

Hello again all After getting my particulars of claim correct for my credit card claim I thought I would start a thread for my bank charges claim!! I filed with MCOL and it was acknowledged on th 02/05/07 so still a while to go before I can start judgemnt and I fully expect them to defend before then anyway. I had only received statements from 2003 onwards when I started this claim and have since had my stats for 2002 with a further #500 of charges on, I have started a seperate claim for these ( just sent HSBC first letter) and just wondering if I will be OK doing this? the thing im a little concerned about is in the POC on my original claim I followed the template and so put in the date that my account was opened relating to when the charges were acrued. Could this cause me any problems with my second claim? Hope my wording makes sense. Thanks, Matt

Quick update, filled in all the forms from that link and took them to the local courts. Feel alot more at ease now so thanks again

Lateralus, fantastic, thanks for your help. Hagenuk, thanks for the info I will get onto that right now.

Just amended my nudge letter to say - Please find enclosed another copy of my schedule of charges relating to the claim as well as a letter sent to MCOL to be processed with my claim, regarding the particulars of claim. Do you think this will be OK or should I try and get the actual particulars of claim on the claim form amended?

Thanks, I will send that out today with another nudge. Just looking thru some of the paperwork I have, and on OHs Barclays defence form it states - 'The particulars of claim do not provide details of the account in question or the precise charges alleged to have been unlawful, or the date thereof.' But there is nothing along those lines on my defence form! I included these in the letter I sent to MCOL (which does say - Please find enclosed further information to be processed with claim number xxxx and served on the defendant HSBC Bank Plc.) so do you know if a copy of this will be sent to DG as I included 2 copies of the letter as well as 3 copies of the charge dates etc.

OK thanks for that I will try phoning

Thanks for the reply, the court didnt get back to me about the amended particulars and I havent included them in the nudges to DG, I just sent them in a letter to MCOL, and after just reading thru that letter I dont mention that they are the new particulars of claim, I have just put 'please file this letter with my case'!! Am I too late to amend the particulars now as I have a court date set? I am doing a claim for the wife as well against Barclays and did the same procedure as above so that might be a problem as well?!?!? Uh Oh, worried now....

Hi Hope I am doing this right by starting a thread with this title? I have 2 claims going at the moment. The first is against HSBC credit card, only for £100, I thought they would make me an initial offer of around half this which I would of been willing to accept but they offered me nothing so have : Started my claim with MCOL, got a court date for local court of 29/06 and sent DG 3 nudge letters all without reply!! I am a bit worried as I made a couple of mistakes on the MCOL form, firstly stating the reason as 'Illegal bank charges' rather than unlawful and then not filling in the particulars of claim correctly. I sent a letter to MCOL with the correct particulars of claim and asked them to file this with my case, do you think this will be OK? Think I might start a seperate thread for my other charges or might get wires crossed. Thanks in advance, Matt

Morning all I started a claim against HSBC a while back and have filled in the MCOL form on 02/05/07. I was missing a years statements when I started the claim, HSBC sent me them all in a bundle, apart from this year (2002) that came alot later, but presumed that I couldnt have been charged much in that year (I know now I shouldnt have done that!!) Anyway, when I finally got the 2002 statements thru I had been charged another £500+!! Am I able to add this on to my present MCOL claim as it has not yet been defended, only acknowleged or would I need to start a new claim and am I able to do this as in my particulars of claim for current claim, it states that I am claiming for charges from when my account was opened and not just from 2003 onwards. Please help :-? Thanks

Thankyou very much for your reply, I will do that, thanks again

Morning When filling in the MCOL form, in the particulars of my claim part, all I wrote was : 'I feel the charges that I have had to pay have been illegal as they do not represent the true cost to the bank' It wasnt until I had completed the form that I found the template for what to write in this section. Will this cause me problems when it comes to claiming? Anybody have any ideas? Thanks in advance

Hi I ordered a part for my PC over the phone and was told it would cost £42, I recieved the part as told but then a couple of days later received the invoice and was charged £75 for it!! I have sent the part back saying I want a full refund but they are now saying as it wasnt returned in the original packing they will not refund me. Does anyone know if I can do anything about this?? Thanks

Hi everyone New to the forum, so hello. I am just wondering if I can claim charges from my HSBC credit card? I have read thru a few threads but cant see anything about credit card. Apologies if I have posted this in the wrong section or missed a thread already on this subject. Thanks