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I have today sent off the prelim letter requesting a total of £2991.33 back in charges.

 

Not sure if this will help but all my previous letters and correspondence have been replied to very quickly so I thought this contact may come in useful to others.

Ian Shepherd

Coventry DSC

Harry Weston Road

Binley

West Midlands

CV3 2TQ

 

One quick question with regards to threads. I started one on Sunday evening which is now two pages away on this forum. DO I need to start a new one with each development or just update my old one? (Yes, I am blonde!)

 

And another:- There has been mention of overdrafts having to be paid back when charges are claimed. Is this also the case with loans? I have a fairly large loan with HSBC which I have never missed a payment on, can they make me pay this money back if I succeed?

 

Huge thanks

 

Louise

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I also sent letters to Ian Sheppard, as thats who responded to my DPA letter.

So glad I am not the only one...

As to threads, I think they like you to update one thread, or it all gets huge, plus everyone can see your progress, (which is a real confidence boost when you read a nervous start right through to a full pay out!)

(Your thread will move up to the start as you add a new post to it)

 

As to overdrafts and loans...don't know, there are lots of banks that close accounts, HSBC so far don't seem to!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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I'll stick to one thread then!

 

I'm not too bothered if HSBC closes my account as I've managed to open another one with Nat West as a stand by. My only real concern is if they request my loan back in full as I only took it out last year and there would be no way of paying it all back. I have made every payment on time and never missed one, does anyone know if they can force me to repay my loan back even if they close my account?

 

Many thanks

 

Louise

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Sorry to pester guys but this has left me wondering for ages and I'm sure somebody out there must be in the same situation as I am.

 

Q - There has been mention of overdrafts having to be paid back when charges are claimed. I also see that some people have had their settlement money taken to pay off their loans. I have a fairly large loan with HSBC which I have never missed a payment on, can they make me pay this money back if I succeed rather than them send me a big fat cheque?

 

Much Appreciated

 

Louise

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I am just having a look on the money claim form, (not that I have any reason to submit it yet) and where it asks for the defendants address details I am unsure which one to put there. Do I use the correspondence address which I have previously used, (Coventry) or do I use HSBC's head office details? Any help would be gratefully appreciated.

 

Louise

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you use the registered office addres which is on the bottom of the letters they send you

 

the canada square one

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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Sorry to pester guys but this has left me wondering for ages and I'm sure somebody out there must be in the same situation as I am.

 

Q - There has been mention of overdrafts having to be paid back when charges are claimed. I also see that some people have had their settlement money taken to pay off their loans. I have a fairly large loan with HSBC which I have never missed a payment on, can they make me pay this money back if I succeed rather than them send me a big fat cheque?

 

Much Appreciated

 

Louise

 

dont worry about this, the people who have had problems of this type have had a managed loan, which is to say that its an arrangement with the bank to pay back moeny they are owed for defaulting on an account (or getting way behind with payments on an ordinary loan)

 

so if you have paid all your installments on time and have had no problems with the bank, dont fret, they cant do anything about your loan as it would be breach of contract on their part to cut short the loan period

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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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Dies anyone have an idea of the time scale involved with HSCB parting with their cash? Are we talking weeks/months after settlement? Anyone out there actually won and received their money? Not that I'm being over confident or anything, just planning on when I can book a holiday courtesy of HSBC!

 

Louise

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well in response to your question i got my money in my account today, i ony sent the letter back to dg on monday evening

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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I have just contacted HSBC this morning to check my balance with tele banking. Instead of giving me my balance I was transferred to their call centre and offered a loan to pay off my credit card, (small amount, under £200) my loan and my overdraft. When I declined this I was then asked if I would like to upgrade my current account to a Premier?? This costs £9.99 per month. They are throwing all they can at me. Do you think its because they are trying to be nice or because they will have more to claim back from me when they close my account!!! Anyhow, I told them to keep the lost, as soon as they pay my charges back I'm changing to my parachute account with NatWest who I have no doubt will charge just as much as HBSC!!

 

Also no response to my Prelim although they do have until Monday to reply. My first letter was dated 3rd July although they will not have received it until at least the 4th. Does anyone think I sould send the LBA two weeks from the 3rd or the 4th or allow 14 working days??

 

Thanks

 

Louise

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not unless the government slaps them with a big metaphorical fish

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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About dates.....Think your supposed to give them 14 days from when they recieved it....but I think I will be sending my LBA on Monday... It will get there on Tuesday which will be the 14th day!! I wouldn't push it too much in case they try and use it against you!

have you had your innitial offer yet? had mine today of £1995 feels wrong ignoring it!!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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No offer as yet, (hoping and praying). Saw your post in another thread about your offer and whether or not to take it due to court cases been thrown out. Not sure what I would do if I received a similar offer to yours. Do you take it and run or get caught out and lose the cash due to a precedent been set by the higher court case! Dilema. On principle I would hold out for the full amount but thats easy for me to say now with no offer. Are you declining their offer Hedgehog and who did your offer come from? Was it Ian Shepherd as I know we sent our Prelims to the same guy? Good luck

 

Louise

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I know.... am declining... well accepting as part if they will let me...

The letter came from a colin langdale..

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Initial letters to Ian Sheppard as that was who i had my first reply from,

not sure whether to send LBA to Sheppard or Langdale now? probably langdale as he seems to have a say on paying!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Just had a letter today from the ever competent Ian Shepherd who apologises for the delay in responding and tells me that they have ordered 6 years of statements for my account and credit card as I had not requested them. I received all these ages ago after requesting them initially. I have heard of this happening on other threads before and reckon its another stalling tactic. Shall I go ahead and send the LBA on Tuesday which is when the 14 days are up?

 

Has anyone actually received a 2nd lot of statements after receiving one of these letters?

 

Many thanks

 

Louise

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Well, as expected no response (sensible response) from the delightful Mr Shepherd to my prelim letter. I sent the LBA off Tuesday 18th July so shall sit tight now and wait and see what other stalling tactics they can come up with.

 

Louise

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Well I haven't received any stalling statics - I haven't received anything, no letters whatsoever. Sent my LBA last week so we'll see if they continue to ignore me!!:rolleyes:

Dani

 

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Mr Shepherd has lived up to expectations and kindly delivered me a second batch of duplicate statements for the last six years on my account. I requested these yonks ago and received them already in June. They must be sat around in the office twiddling their thumbs! Has anyone else received these also? Surely they can easily afford to pay us anti HSBC's all our charges back as money is obviously no object with printing costs. Sorry Mr Posty but this time was not my fault!!! Searched through the lot and no offer of a refund. Bugger!

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Yes, I too recieved a second set of statements this week, (but I am that suspicious of them I have checked them against the original!!!) And yes I too recieved the letter from Ian Sheppard stating that he would send all for all accounts plus my credit card...(even though I don't have a credit card with them!)

Have you not had an offer yet? I had one last week for £2000, I added a line in my LBA to say thankyou, will accept as partial payment only...haven't had any money added to my account though!!

 

I send all my main letters by special delivery...cost £4.10 but they have to sign individually for each of these recieved (hassle for them) and there is no denying that they gott the letter on a different date!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Could the deliberate sending of large quantities of unsolicited mail in one go be considered harassment, or unlawful or illegal in some other way? :D

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