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    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
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Online claim


sammy01
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Hi sammy you can find any post you have made by clicking on your name >> view profile >> find threads started by .......

We are looking into why some people can't see all the threads

 

 

EDIT please read sticky in general everyone please change your settings this will be why you can't find threads

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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I'm eagerly awaiting reply to my DPA request (sent 24/03/06). All my charges are for going over my overdraft. My statements show Total Charges £xx and Debit Interset £xx. Can I claim both of these amounts for the 6 years. Unsure as the bank has clearly charged me excessively, but are surley entilted to make some charge for each occasion the account went over the agreed limit. What would it cost the bank each month as no letters sent just monthly statements.

 

 

MOD NOTE: THREADS MERGED TO MAKE IT EASIER FOR PEOPLE TO FOLLOW PROGRESS

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What would it cost the bank each month as no letters sent just monthly statements.

 

This is the question that the banks will not answer - and because of that you can claim back the full fee, since it is a disproportionate penalty.

 

You can only claim the interest if it relates to the individual charges. The bank is entitled tocharge interest on an overdraft - but not on unlawful charges. Unfortunately this can be extremely difficult to calculate if an account continually moves between being in credit and overdrawn.

 

 

 

 

 

 

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  • 2 weeks later...

Sent DPA letter end of March. Received a reply today from HSBC (Ian Shepherd)confirming receipt of my letter and advising all statements would arrive shortly. They also credited the £10 cash I had sent to my account as quote "we are happy to waive any fees for the production of this information." We will see if they are as happy when I request approx £2500.00 back.

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  • 2 weeks later...

About to send my letter claiming my charges. Quick question, my statments show total charges XXX and debit interest XXX. Can I claim the interest as well. I have spoken to HSBC'c Indian call centre and was told the debit interest is for using my agreed overdraft?

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  • 1 month later...

Sorry I don't know if I am posting this in the right place. I filled in an online claim 22/06/2006. Claim Number 6QZ40806, Amount £2989.00. I'm a little nervous. I also have a couple of people in work who are too nervous to start claiming against their own banks until they see how I get on.

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Dont be. Its now a game of waiting, you will get an ack stating they will defend the claim. Then it will be WP ( without predjudice a way of solving a dispute without court room battle ) negotiation time - Dont go for the 1st offer unless its a full one and dont sign nuffing either about confidentiallity etc.

 

HSBC - WP Negotitions £2500 to be settled this week I hope.

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Sorry I don't know if I am posting this in the right place. I filled in an online claim 22/06/2006. Claim Number 6QZ40806, Amount £2989.00. I'm a little nervous. I also have a couple of people in work who are too nervous to start claiming against their own banks until they see how I get on.

 

dont be nervous, i did my mcol on 23/06/06 so im in the same boat as you

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Following on from my online claim HSBC acknowleged and brought themselves 28 days. Today I received notice from the courts re the acknowledgement, I also received a letter from DG Solicitors requesting a breakdown of the amount I am claiming to enable there clients to consider my claim. Should I send a copy of the spread sheet which adds the interest and mention the £120 court fee. Is this normal your have I missed a step along the line.

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This nothing to worry about, just a stalling tactic to get you anxious.

 

If you wanted to be awkward you could write back and tell them that since their client supplied you with all the pertinent information in the first place, you suggest they ask their client.

 

Sensibly, just go along with their little game and send them the 8% spreadsheet

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Great news after posting a breakdown of my charges by special delivery on 3rd July, letter received today from banks solicitors offering full refund of charges plus court costs, but not interest. Should I accept this but advise I will continue with the online claim to recover the interest (£568.93).

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Me personally i would reply back to DG Solicitors and as thank them for their offer but as it is now going to court, If and when you win in court the cost will be Charges + Interests + Courtcosts as the courts say you can legally charge the Interest so why shouldnt that be offered in the settlement. I am sure that they will say on the settlement that this is a full and final offer, and if so that means then that you wont be able to claim for the interest seperately. Remember this is your claim proceed how you wish but also remember this, this is your money and your claim which means that if they wish to settle they settle on your terms not theirs.

Regards

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Just thought of something else. My claim with HSBC was from April 2000 -April 2006. They have since charged me, can I claim these charges back under a separate claim

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Yeap i am sure you can all you have to do is start it all over again, Or what you can do is mention to DG Solicitors that since you started your claim you have been charged these charges and that if they wish to add these charges back ontop of the charges that you were claiming for + interest + Court costs and if not you will go on MCOL and change the ammount that you are claiming for as more charges have happened. I believe that MCOL charge you for changing the ammount but you just tell the solicitors that if they dont offer the full refund plue the ones that you havent been able to add on before the claim they will incur more court costs.

Hope this helps.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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Thinking of sending this to Solicitors any comments or suggestions ?

 

 

Dear Sir/Madam

 

Thank you for your offer of £3109.00 as full and final settlement of my claim for £3557.93

 

I regret to say your offer is not satisfactory. As shown in the breakdown of my charges, interest is added as allowed under section 69 of the County courts Act at a rate of 8% a year amounting to £568.93.

 

Furthermore, unless this matter is resolved to my satisfaction before the 26th July 2006, I will proceed with my claim.

 

 

 

I must apologize, after just reading an update I did not send my breakdown of charges with my letters to bank. But the solicitors have them after there request. goes to show that it makes sense to thoroughly read the forum before diving in.

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Thinking of sending this to Solicitors any comments or suggestions ?

 

 

Dear Sir/Madam

 

Thank you for your offer of £3109.00 as full and final settlement of my claim for £3557.93

 

i accept this offer as part payment only and will continue to reclaim the remainder as per the timetable i originally stipulated.

As shown in the breakdown of my charges, interest is added as allowed under section 69 of the County courts Act at a rate of 8% a year amounting to £568.93.

 

Furthermore, unless this matter is resolved to my satisfaction before the 26th July 2006, I will proceed with my claim.

 

 

 

I must apologize, after just reading an update I did not send my breakdown of charges with my letters to bank. But the solicitors have them after there request. goes to show that it makes sense to thoroughly read the forum before diving in.

try that instead, you have to appear reasonable incase it ever went to court

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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***RESULT ***- DG Solicitors have replied and offered full amount. I will cross out the strictly confidential and return accepting it. But do I contact the courts to stop the online claim before receiving the money or do I wait until receipt of the money. Also how do I stop the online claim ?. Can someone change the title of this thread please. I know myself it does you the power good to read threads were people have won. Cheers

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