Please can someone double check this with me, please please lol, i want to send it today if poss Any changes i should make??????or should i just accept the offer they made without the conditions

Isn't that so upsetting, is exactly why i'm being pedantic. Thank you, I will

Thank you very much, mine are crossed too . If all goes well over the next few days now I will be soo happy, the feeling that I have finally got payback for the horrid financial state they put me in years ago, I cried for weeks on end because of the state their charges put me into financially & thought there was no way out, this feels sooo good. Am still very scared though lol

ok can someone please give me a second opinion on this letter, the deadline is wednesday & i need to send this today so am nervous & worried & excited & confused lol the letter i have drafted (which is pinched from Crusher & edited... hope thats ok :o) is below & am almost about to fax it, will this be ok or are there any major flaws which i am unaware of?? Dear Sirs, I thank you for your letter dated 7th December 2006. I wish to accept your offer of £1701.63 as an instalment towards the full amount owing. Only when the total claim of £1814.63 is paid in full will I cease my court action against HSBC. Also I am fully aware that I am under no obligation to accept any conditions imposed by HSBC in relation to this claim, and request that if a further offer is made previous to the court deadline, these conditions are withdrawn. I am entirely confident that the charges imposed by HSBC are completely unreasonable, and that a court would agree with this statement. I trust this clarifies my position. Kopella Will that be ok???

thank you ,i will, am starting to feel very nervous now lol

Yeah, thats what I thought, but with them offering the full amount of the claim including 8% apr, the only thing they haven't included is the court costs, can i still not accept & say i want the court costs in order to settle before wednesday??

Also, if I am awkward now & don't accept that offer which is only £124 short of the full amount... will it take loads longer to actually get the money & how long roughly?? Thank you in advance Emma x

Ok, I need to check what I should do here. I have gone through MCOL, HSBC acknowledged the claim but i heard nothing from them at all. The 28th day is Wednesday & I am happy to leave that date to pass, but am just checking. I received an offer this weekend, which was for the current full amount i'm claiming including 8% apr up to the date of the letter.. but not including my £120 court cost, obviously I want this paying for also, and they are asking me to sign to agree to confidentiality, which I am not willing to do. Do i write back saying that I will accept that as a partial offer but the interest will need paying upto the date the cheque is sent + £120 court fee, or do I just leave this until wednesday now as the date is so close & it's unlikely they'll respond & get a cheque to me before wednesday. Advise would be appreciated as i am a little unsure of how i go about this purely as the court date is so close. Emma x

HSBC's 28 days to defend are up on the 13th December... and I still haven't had even one letter from them. They have acknowledged the claim and nothing more. Fingers crossed they'll do nothing still and i'll win by default, if not i'll be on here panicking very soon Emma xx

Is your choice babe, but as far as i'm aware they do always pay out & the usual advise is not to accept any part offers. I doubt they'll make another offer before xmas though & will most likely make you go through MCOL before paying out fully. I'm going through MCOL at the moment as i didn't get a response from them at any point at all, they've acknowledged my court claim but not wrote once & the court deadline is next wednesday so i'm just waiting to win by default at the moment, fingers crossed. Depends whether you want the money for xmas, or would rather get it all back as it is all yours & your entitled to it all. Either way, good luck

I haven't heard anything at all from them yet, maybe I will receive a similar letter as you have over the next day or so. I will also politely decline if they do make any offer less than the full amount plus interest, the fact that they have totally ignored the letters has really irritated me lol. Good luck with your claim too

HSBC have today acknowledged the claim. 28 days & counting

ok, well I figured it's best to stick with the same address i've used uptil now. Have done my claim. Is that it for now??? do i need to send anything more?? I know it is probably stated on here somewhere & I have looked, honestly & it seems thats as much as I need to do but i'm quite worried as i'm not used to taking legal action against big companies lol

ok thanks . I've sent my letters to the branch, so do i take the branch to court on MCOL??? Not the head office?? I sound like such a fool but i don't want to make a mistake

Hi, Ok well i've done the Preliminary letter & LBA &had no response at all from the bank, I sent both letters recorded delivery to my branch. Today is the day that I file my claim & am about to do that,but can someone tell me, is it normal for them not to respond at all? I'm slightly worried Emma x

LBA Sent today

Thanks

ok, here goes everything, all is ready & the letter is being sent today.

Hi, Thank you for your help, I am just inputting my charges into this spreadsheet and have noticed that 3 of the charges over the 6 years are for only small amounts like £10, £11. This doesn't really make sense as it doesn't fit with the "pattern" for the rest of the charges but they are for the same thing & have the same title on the statement. Should I still include these?

ok, is Canada Square like the Head Office??? Do you think it'll be quicker to send it directly there or should i go to the branch first?? Also, i'm really confused with the interest thing. If i write down the interest charges from my account during the same months the charges were taken, it's not for the charges is it, surely that is itnerest for the previous month?? & also, i had an arranged overdraft with the bank at the time so some of the interest is for that, i'm really not sure which interest charges i should put in the spreadsheet & whether alot of that is just for the organised stuff and not to do with the charges Please help

Hi, Have just started getting all my information together today & preparing to send Preliminary Letter, but i'm a bit unsure on a couple of things, can anyone help? Where do I send the letter?? To my branch address or somewhere else?? Also, I have noted down all the dates and amounts of the charges, will this be sufficient if i just send it with the letter? they don't need copy statements do they as they will have all the information there?? Emma xx