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ishmo186

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Everything posted by ishmo186

  1. thanks bong i will try that letter but in the case of them sending the money twice which i think is highly unlikely but may happen what can i do then? would it be better to send a letter or ring them up thanks again
  2. hi bongo, well the first letter i recieved from HSBC said that they have loked over the statements and have said that i can only claim the total charges which overall came to 995.00 i then wrote back accepting but asking to also add in £50 due to more charges been put on my account, the money then was deposited into my account, and then today i picked my post up from my mums and i had a letter from DG solicitors offering me £1547.00 which is the interest charges added and the 8% now i dont know what to do so i sent the acceptance letter back to dG solicitors saying i accept the £1547.00 im jus
  3. hey guys im in a bit of a predicament, i accepted the proposal that hsbc sent me of £1045 but i have since been home and recieved a letter from DG solicitors offering me £1547 which was my overall claim, now what will happen as i have sent off my letter again to DG solicitor accepting their letter even though i accepted the first, do you think they will now reject my acceptance to DG solicitor as the mney has already been cleared into my bank, or would they send me the difference, i havent cancelled the claim through money claim yet so what leg have i to stand on, if i do have one? or have the
  4. hey guys im in a bit of a predicament, i accepted the proposal that hsbc sent me of £1045 but i have since been home and recieved a letter from DG solicitors offering me £1547 which was my overall claim, now what will happen as i have sent off my letter again to DG solicitor accepting their letter even though i accepted the first, do you think they will now reject my acceptance to DG solicitor as the mney has already been cleared into my bank, or would they send me the difference, i havent cancelled the claim through money claim yet so what leg have i to stand on, if i do have one? or have the
  5. hi gizmo yes i have been paid back in full quite suprising! so do i write to the address of the letter that i received (my claim form?)
  6. hey guys the cash has come in woohoo but just need to know how to withdraw the claim as i dont want the claim being processed thanks alex
  7. does anybody know how to withdraw my claim, would i have to write to them or can i do it online?
  8. thanks again the money has come in tonight do i select judgement by admission now as claiment has paid on mcol
  9. Hi guys, HSBC sent me a letter saying that they will give me my claim in full amount, but it will take 7 working days for the funds to clear into my account, it has been 8 working days and the funds still havent cleared, has anyone had the same problem with the money coming in late from HSBC or should i phone them up, also on the money claim should i put judgement by admission as they have offered me my money back, thanks for any help.
  10. Hi guys, HSBC sent me a letter saying that they will give me my claim in full amount, but it will take 7 working days for the funds to clear into my account, it has been 8 working days and the funds still havent cleared, has anyone had the same problem with the money coming in late from HSBC or should i phone them up, also on the money claim should i put judgement by admission as they have offered me my money back, thanks for any help.
  11. hi can anybody help me, i got a letter yesterday from hsbc offering me all the money - WOOHOOOO! but i need to cancel the money claim form as there is no need for me to go ahead, how do i go about doing this, thanks
  12. thanks kazzy for the confidence booster, i will give that link a good read to see what i can do, thanks again kazzy keep you posted
  13. OMG i dont believe HSBC, i popped into my branch today to enquire about increasing my overdraft slightly so it will cover this months bills before i get my money that i am claiming from them and they said "NO" they they said i should of increased it whilst i had the chance when i first applied for my overdraft!!! so hsbc wont even lend me a hand by increasing my OD but would rather say no and make all my DD bounce!!! ive had to resort to ebay to try get some last minute cash, ive been thinking of changing bank but when i went into abbey national to open an account they have told me that they c
  14. i was just thinking, what happens if i get another charge during the mcol stage, as i have already sent off the mcol and the figure that im claiming for, when DG ask for a breakdown can i include it into this???or would i have to go thru the whole process again to get bk the outstanding money? Also on my MCOL i have put the address of my local bank,is this ok or shud i have put the address of head office? thanks for the help ishmo
  15. so what does judgement by default mean, does this mean that i have won by default? if they do ackknowledle my claim what shud i expect from the bank? a letter from DG? thanks
  16. hi guys can anyone shed some light onto which option to select? Do you wish to enter Judgment by Default or by Admission? Please select one of the options below: The defendant has not filed an admission or defence to my claim (Judgment by Default) You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment. The defendant admits that all the money is owed (Judgment by Admission) If the defendant has given a new address on the form of admission to which correspondence should be sent, update
  17. Ignore them last posts i read them and put it properly now all ok anyway sent MCOL lets see what happens!
  18. ignore that mcol letter ive revised it 1. The Claimant has an account xxxxxxx with the Defendant, opened Sept 2002 2. Since 07/11/04 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulati
  19. what do you think guys? Claimant has account xxxxx with Defendant from Sept 1997 conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasona
  20. hold on here it is again that one was too long lol Claimant has account 61234641 with Defendant from Sept 1997 conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a
  21. What do you guys think Claimant has account 61234641 with Defendant from Sept 1997 conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Sup
  22. another thing should i check yes or no to the human rights act? thanks
  23. hi guy really need your help todayas im sending my mcol and want to get it perfect, ive put the description of claim as moey owed by hsbc, does this sound ok and also for the service address do i put my local ranch as i sent my letters there thanks alex
  24. hi guys today im sending my mcol so i really need your guys help, ive put claim description as money owed by hsbc, that sound ok? and the service address where the documents are to be set is that my local branch? thanks
  25. thanks agen kaz, well tomorrows th last day of the deadlin so im gonna fill in the mcol in the morning and put it thru, ie heard absolutly nuttin ignorant b*****ds lol thanks everyone for the advice!ill keep you all posted and let you no tomorrow how it goes!!
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