HSBC HOLDINGS PLC (LEGAL DEPT) has a branch at 12 Calthorpe Place with 15 solicitors registered there. they are in essence the client at DG. Smoke and Mirrors.....

Just a couple of thoughts folks. I see on alot of threads advise to chase DG, check they've got every thing, hastle them, fax them, ring them, send them a telegraph, a pigeon. Do people not risk sounding desperate and more likely to settle early following this approach? I have also noticed the level of detail people go into cocerning there claim and emotional state with it. Surely DG could / should look at the site and use the ifo as tactics. It cant be that hard to work out who is who... Just a couple of thoughts that all. I cant say any more how helpful this site and members have been, just think on occasion we could be a little more 'stealthly.' I was reading a post earlier and the poster was stressed, really stressed, posting spreadsheets, giving out details etc. If I was at DG and saw that thread id probably think... 'there gonna break soon, string this out, they'll settle' Is it just me or has anyone else thought the same.

ive had spelling / grammar errors on both the letters ive received recently. but then I did type claiming charges from 2006 instead of 2001 on my last letter to them!!!!!!

Same as mine.....

aceades, have you seen the response i received today?? http://www.consumeractiongroup.co.uk/forum/hsbc-bank/49306-andy-hsbc-about-ready-4.html post 70 i think

im as sure as i can be. I used vampress's spreadsheets and put the balance in and amount of interest. 2 thoughts... firstly. I can kinda see there point, there arguing that i would still have gone over drawn without the charges so the interest is fair and reasonable. secondly Where are they going with this line. From what I can gather they will never let this go to court, so why take the line they have. If they always settle why do they protest so hard.

I have pm'd them as suggested and wait replies with bated breath. Thanks again. Andy

Just had a letter from DG. An interesting read looks like they are not shifting. Wondering what your views are....... 'Thank you for your letter. We note your comments in relation to the debit interest applied to your account whilst it was in state of overdraft. We have reviewed the historic statements with out client and do not concur with your comment that the overdraft charges incurred were the sole cause of the overdraft interest being applied to your account. From our review of the statements, it can be seen that the account was conducted in a manner that, even without the charges applied, debit interest would be incurred by you. Debit interest was applied to your account by our client when the account was heavily overdrawn, not by sole virtue of the alleged unlawful charges being applied to your account. You have also failed to address the point on our previous letter and have not confirmed to us the legal basis, with supporting case law, of your claim in respect of debit interest. For the avoidance of doubt, your claim in respect of debit interest is denied by our client. The letter goes on to say that the previous off is still on the table. I am beginning to think that I have filled the spread sheets in wrong, or is this a new approach?

Just amended and faxed to Rachel. I wont be trying to write letters at work again!!! 100% attention needed I think. Cant wait for tomorrow night, going to complete the aq, hopefully I wont need to send it but best get it ready. One other thing.... as I have revised my claim and took off the 1 charge prior to jan 2001, do i need to send new copies of my claim to the court and let them know that the amounts have been adjusted?

its not that great i have put that i have removed charges prior to jan 06 instead of jan 01!! Do you think i should send an amendment tomorrow?

Right them... faxed emailed and posted letter as below: Rachel Tomlinson DG Solicitors 12 Calthorpe Road Edgbaston Birmingham B15 1QZ BY FAX, EMAIL & RMRD 14th February 2007 HSBC Account: ****** ******** Claim Reference: ******** Dear Sir/Madam, Thank you for your letter dated 09/02/07. I respectfully decline your offer of Full and Final settlement and request, once again, that you return to me all charges imposed on this account. I have removed charges prior **/01/2006 in hope of a speedy resolution. The revised total value of my claim is detailed below: PENALTIES & INTEREST ON PENALTIES CLAIMED £3,***.** TOTAL INTEREST CLAIMED AT 8% £7**.** COURT FEE £120.00 TOTAL CLAIM £4,4**.** A detailed breakdown is enclosed. You will be aware of the fact that overdraft interest which was caused solely by the application of the bank's unlawful charges is reclaimable and it is that portion of the overdraft interest which I am claiming in this action. I am perfectly willing to pay interest on money's borrowed by way of overdraft - but absolutely not that which was levied on top of and solely as a result of unlawful charges. I hope the above paragraph clarified my position in response to your question: ‘We are at a loss to understand why you have sought to recover, what appears to be, overdraft interest from our client and, in addition, 8% interest per annum upon the interest.’ My allocation questionnaire is due imminently, If I haven’t received a response from yourselves by Friday I will be filing and require another £100 to settle my claim. I can be contacted on mobile: ***********, email: *@*.com, or postal address as detailed above. Yours faithfully, ***** ************

should i state in the offer that I will accept the amount as partial settlement?

I am going to double check my spreadsheets today at work and amend to remove the charges struck off by DG (prior to court action date - 6 years.) Once I have composed the letter I post it on here and get it sent. Thanks again everyone.

Im on the same page as you. Im gonna hold on until the final virdict but I think i see where im going with it now. Thanks again

i have used vampress's spreadsheets and 'think' I have done it correctly.lol

Thanks, This is getting exciting now!!!!!! lol

haven't seen this approach on other threads, done a search and couldnt find anything. not sure what to do now.

They have yes. from letter: "This offer is in relation to all charges, for the period claimed, interest at 8% per annum in accordance with the courts statutory rate, and court fee in the sum on £120."

I have received a letter today from DG offering settlement. The have struck off a couple of charges prior to 9th January this year, which I expected. My total claim with court fees interest etc was around £4.5K they have offered £4k. I'm not sure what to do. below is what they have written: "We are at a loss to understand why you have sought to recover, what appears to be, overdraft interest from out client and, in addition , 8% interest per annum upon the interest. Please confirm to us the legal basis of your claim in relation to your claim from our client of what would seem to be overdraft interest applied to your account. Our Client's interest rates are well publicised in respect to both formal and informal overdrafts. You appear to be seeking a refund overdraft interest. It is of course, a condition of your borrowing with our client that you will pay interest at the agreed rates on that borrowing. As such there is no question of our client refunding the interest applied when your account was overdrawn." Is this a new tactic of a tried and tested formula from DG? It goes without saying that the usual 'without admission,' 'strictly confidential' text is included.

letters sent and received allocation questionnaire which has to be returned before or on the 25th February. Any advise on filling it in?

Does this reply look ok: Response to settlement offer Dear Mr Langdale Thank you for your letter dated 29/01/07. Your letter was received 06/02/07 postmarked in Glasgow on 05/02/07. I respectfully decline your offer of Full and Final settlement. As i'm sure you well know, I have filed a claim against the bank, claim no. Q****** and will gladly halt the court action when a cheque for £****.** is in my hand. A further schedule of my claim was sent to DG Solicitors on 25/01/07 using the Royal Mail Recorded Delivery service. I will also copy this letter to DG Solicitors. I trust this clarifies my position.

Thanks Lateralus, a great help as ever.

Letter will be typed first thing in the morning! just the aquistion to get my head around now as im sure that it will be popping through the door shortly. Time to start trawling the boards again for my next lesson.

LOL. Just checked MCOL. The status has changed to 'defense' at some point between 14.00 and now. Funny how its changed today, me thinks the right hand actually does know what the left hand is doing! Funny thing is the letter I received today is post marked glasgow.....

Cheers, Haven't even filed an aq, heard nothing since the acknowledgement. I I sent the copies of my schedule to DG and Northampton Court as advised and nothing until this letter this morning. Also by my reconing the 28 days is up on Friday....