cheers mate

Hey there. When you submit a claim to the court can you add on additional charges ie, for admin time/stess incurred? Kind of what the banks do? and refer to it as 'admin costs' or 'additional charges'. cheerz, james

Hey. I won my charges back a while ago, but just thinking about giving it another go...something's never change! But do I heav to wait until this test case is over? Or can I go ahead? And what are the implications of the test case? Don't worry about an essay. The gyst will be more than sufice. Peace out and thank you in advance!! james

Hey. Stephie. Thank you for your response. MY problem is that some of my charges were refunded and part refunded. The spreadsheet does not allow for this. Am I allowed to just claim for all the charges and save myself the headache of trying to work out interest on each individual charge?

I am so confused with this 8% thing. I thought you just took the amount of charges and multiplyed it by 1.08. But now I'm thinking this is not the case. Can I just leave out the 8% interest and claim for all the charges and save myself a lot of hassle??? Please please help!!!

My claim is for £1201.75. With the 8% it comes to £1297.89. My question is: what amount do I enter in 5A? The amount with the 8% or without? Also, do you have to attach a spreadsheet to the claim? Please let me know!!! N THE ANYWHERE COUNTY COURT BETWEEN JOE BLOGGS CLAIMANT And GRABBBIT BANK LTD DEFENDANT PARTICULARS OF CLAIM 1. The Claimant [has] [had] an account 1 ("the Account") with the Defendant which was opened on or around 2 [and closed on or around 2 ] 2. During the period in which the Account [has been] [was] operating the Defendant debited numerous charges to the Account in respect of purported breaches of contract on the part of the Claimant and also charged interest on the charges once applied. The Claimant understands that the Defendant contends that the charges were debited in accordance with the terms of the contract between itself and the Claimant. 3. A list of the charges applied is attached to these particulars of claim. 4. The Claimant contends that: a) The charges debited to the Account are punitive in nature; are not a genuine pre-estimate of cost incurred by the Defendant; exceed any alleged actual loss to the Defendant in respect of any breaches of contract on the part of the Claimant; and are not intended to represent or related to any alleged actual loss, but instead unduly enrich the Defendant which exercises the contractual term in respect of such charges with a view to profit. b) The contractual provision that permits the Defendant to levy such charges is unenforceable by virtue of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law. 5. Accordingly the Claimant claims: a) the return of the amounts debited in respect of charges in the sum of £ 3 and any interest charged thereon; b) Court costs; c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just. I believe that the contents of these particulars of claim are true Signed: Date:

I'm really stuck. Do you use your local branch, their head office, or a different one? Please help!

What address do you for HSBC when filling out an online claim???? Thank you

Anyone???

Also, If I put in a claim against HSBC what address do I use for them on the online form?? Cheers

Hey. I claimed for £971 and they have offered me part settlement of £855. However, I've been charged another £190 while this has been going on. Is my best bet to ignore the offer and claim the new amount of £1161 through filling out a claim form? Also, Do I have to inform them I'm going to add the new £190 onto my claim or am I free to go ahead without telling them. Please tell me my best option Thank you, JAmes

Hey. I claimed for £971 and just got an offer today for £855. My problem: Since starting this claim they've fined me another £190 (Go me!). That means my claim now stands at £1161. Question: Should I just ignore the offer and go ahead andf fill in a claim online for the full amount plus interest? (Or) Should I accept the £855 as a partial payment and then fill out a claim for the remainder - including my sexy new charges? 2nd Question: Do I need to tell them that I'm going to add the £190 pounds to my claim before I fill the claim for online? Or do I just go ahead? Your help would be much appreciated!!!!!! PS. What do Richard Hammond and Pete Doherty have in common? The both get smashed on Top Gear. James xx

Thanks for that. The charges are for using my account while I've been overdrawn - is that still cool? Peace

Hey. Just a quickie. I've just added up all my charges. Now before I send off my first letter, can I claim for small charges like £12, £18, and £20? Also, should I definitley send it in spreadsheet format? Or as long as the charges are detailed it doesn't matter? Just want to get it right first time. You help will be much appreciated. JAmes

Hey. Just added up my total charges and it comes to £1000. Swines. Where can I get a sample letter before I send mine off? I can't seem to find it. Too many forums make JAmes confused Any help much appreciated.