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About sootica

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  1. I have (had) an excellent credit rating and have a job that would be affected I think by having a CCJ. My mum bought a property 15 years ago and put in my name but she continued to live in it, we had a deed of trust saying she was responsible for all the bills, and all bills were in her name, She passed away at the end of 2012 and I was her executor, I looked at all her papers and contacted all the relevant parties, utilities, council tax etc to let them know my details and that I was now responsible for bills. The property was a flat and there is a managing agent, I told them my deta
  2. sootica

    RE v HSBC

    Well, today I have been spurred into action against HSBC, and discovered this website. I was horrifed that they charged me £120 for being about £100 over my OD limit - when I had £3000 in another current account at the same time. Arguing the toss with the idiot on the phone got me £50 off that but I'm going to be looking at getting back all my charges over the last 6 years now. I am a litigation lawyer so looking forward to the fight - should have done this years ago - am a lazy lawyer Am going to see if I can print off 6 years of statements online tomorrow, if not will be sending off
  3. I had to reply to you as I cannot believe the horrific amount that you have been charged by HSBC who as the poster above said, are your biggest creditor and their debt is almost entirely made up of bank fees! Unbelievable. Best of luck with your claim. I really would consider getting a no win no fee solicitor - as this is not a small claim, your solicitor will have their fees paid by the bank if you win. Ask the Law Society for solicitors near you who carry out CFAs (conditional fee arrangements - proper name for no win no fees). Law Society of England and Wales - Home
  4. Hi all, have just discovered this site. Am a litigation lawyer so really should have tried to claim my bank charges back a long time ago. Have just been spurred into action by getting home today & finding HSBC have charged me £125 in one month for going about £150 over my overdraft limit. However in another current account at the same time I had £3000 credit- I'd used the wrong account in error & didn't spot until too late! Idiot on the phone would only refund £50 of that £120, so I'm going to now take action re all my charges. Site is excellent, have been having a
  5. Hi, I will reply to each of their defence points: You need to list all your charges & the dates - when you reply you can attach your statements highlighting charges. I take it you worked this out to get a figure as to what you are claiming, just maybe need to say in more detail. These are unlawful penalty charges. This is not a defence to your claim that the charges are unlawful penalty charges. This is a blank denial - they haven't said WHY the charges are not unlawful penalty charges or not in breach of UTCC regs - they'll have to do bet
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