I want the lot! Just a little confused about the letter, Its almost like the right hand doesn't know what the left is doing. It is almost like they are unaware that I have taken court action. If they are just trying to confuse me, there doing a pretty good job!!!!!

Today I have received a letter from HSBC, not DG offering to settle my claim, The letter is in response to my prelim letter of the 27th November 2006. The letter doesn’t mention my court claim or DG Solicitors The value of the offer amounts to 83% of my original claim excluding interest on charges as the bank ‘does not accept this is appropriate and therefore our offer of a refund does not include any interest. My court claim was issued on 9/1/07 and acknowledged on the 11/1/07. I have heard nothing from DG or the court since acknowledgement. What should I do now? The total value of my claim with fees and 8% interest is now around £4500.

Which worksheets do i send to DG and MCOL, the 'charges and interest' sheet the ' 8% interest' sheet or both??? Is this text ok for my letter to MCol that will accompany the letter: Please find enclosed a schedule detailing the amounts involved in my claim against HSBC.

I have the Acknowledgment of service from the court, suprise suprise DG are defending. Just to be sure I understand Lateralus's comments, is it just a case now of sending copies of my Breakdown to the court and DG's, should there be a covering letter? No one has requested any docs. The date of service and acknowledgment was 11th January. Does anyone have an idea what will happen next....... Thanks Andy

MCOL completed and submitted yesterday nearing on 5k. The template I used for my claim particulars stated that even though I had sent HSBC a schedule of the amounts ,I will be sending it to them again. Is there a letter template I should send with this? Thanks

Hi, Think I have worked out the answer to my first 2 points, still struggling with these though: The Date of the first charges I am claiming for is 15/12/2006, as this was the date I started with my prelim letter. That is more than 6 years ago now, can i still claim, for the transactions between 15th Dec 2000 and today. If not what should i do? Do i need to indicated 'yes' or 'no' to the following question on the MCOL site: Do you want to reserve the right to claim interest? I have detailed my s.69 interest in the particulars of claim

Hi, I am about to submit my MCOL and have a couple of questions: What address do I use for HSBC? I have sent my prelim and LBA to my local branch, received what looks like a standard reply from Colin Langdale at Leeds and also have a registered address of Canada Square, London. On my MCOL particulars am I correct in thinking that I should calculate the daily interest rate without including the S.69 8% interest in the total? The Date of the first charges I am claiming for is 15/12/2006, as this was the date I started with my prelim letter. That is more than 6 years ago now, can i still claim, for the transactions between 15th Dec 2000 and today. If not what should i do? Do i need to indicated 'yes' or 'no' to the following question on the MCOL site: Do you want to reserve the right to claim interest? I have detailed my s.69 interest in the particulars of claim Any advise would be appreciated....

Update.... After checking the letter from HSBC it is in response to my 2nd letter dated the 18th December. So it seems the letter was delivered, even though Royal Mail dont seem to know that. Im now gonna try to get my head around the MCOL site, cant wait!

Hi, Sent the prelim RMSD, which was delivered at my local branch. No response. Then sent My Letter Before Action on 20/12/06. In between Christmas and New Year i received a standard letter from Leeds regarding my first letter. I have just been online to co chek the delivery date of my letter before action and it has not been delivered. the text on the royal mail site states: We have tried to deliver your item from our HINCKLEY Delivery Office before 05:29 on 21/12/06 and we have left a while you were out card. It looks like the branch has made no attempt to collect the letter from the royal mail dsorting office, which is 100 yards away! Im really not sure what to do now.... any advice?

Hi, Sent the prelim RMSD, which was delivered at my local branch. No response. Then sent My Letter Before Action on 20/12/06. In between Christmas and New Year i received a standard letter from Leeds regarding my first letter. I have just been online to co chek the delivery date of my letter before action and it has not been delivered. the text on the royal mail site states: We have tried to deliver your item from our HINCKLEY Delivery Office before 05:29 on 21/12/06 and we have left a while you were out card. It looks like the branch has made no attempt to collect the letter from the royal mail dsorting office, which is 100 yards away! Im really not sure what to do now.... any advice?

i have worked out the averages and all end up positive, so i may as well leave the sheet as it was.

sorry folks one last thing, when entering 'account balance on interest date' onto Vampiress's spread sheet should i enter the most overdrawn value for that charge period if my account is in credit on the 'interest date?'

Thanks bong, I think i get it now. OK, ive filled in Vampiress's advanced spread sheet and have the following numbers: Total Penalty charged; £3242 Interest on Penalties: £363.82 are these the 2 figures in need to input ito the prelim letter? Letter is typed and addressed to my local branch, am i ready to go???

Thanks lateralus, Im getting somewhere now, all the numbers in and added up amounts to following: Total Penalty charged; £3242 Interest on Penalties: £363.82 Now heres what I dont understand... The interest on penalties is exactly the same, (after the first 10 months) as amount as the interest i have been charged each period. I cant get my head around how i can claim the total amount of interest im being charged each period, interest for my overdraft that i have agreed to pay??? Im sure im missing something but cant quite see what...

Hi everyone, I have a HSBC Personal Bank Account. Just spent the last 2 hours, down loading my last 6 years of statements from the HSBC website, 3,2k's worth of charges!!!! I have filtered out the date and just left what appears to fees. Im just about to write my Preliminary approach for repayment and have a couple of questions i hope someone can help me with. There are a number of £10 'card abuse fees,' can i claim them?? I have noticed a number of different addresses on the site and in peoples posts. Where do I send the letter to? local branch or a central office? reading the Prelim template I dont understand the following section, What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . do I have to calculate the interest? Sorry if these are simple questions but im going through quite a steep learning curve. Reading and studying the site seems to be generating as many questions for me as its solving Any advice would be greatly appreciated. Thanks