Jump to content


  • Tweets

  • Posts

    • More from the Second Sight guys in the Law Gazette. Post Office Inquiry: Second Sight accountant accuses lawyer of conspiring to pervert course of justice | Law Gazette WWW.LAWGAZETTE.CO.UK Second Sight accountant found compelling evidence in two cases that evidence was withheld, public inquiry is told.  
    • Why have there not been arrests yet? Waiting for the end of an inquiry which seems designed to drag on forever is a feeble excuse "the Post Office “was constantly sabotaging our efforts” to seek the truth and used claims of legal professional privilege – a type of confidentiality which covers legal documents – “to justify withholding documents from us”. "Aujard had said the state-owned body “would not hesitate to take legal action against me” under a “draconian” non-disclosure agreement (NDA)" "Henderson became concerned after reviewing the case file of Jo Hamilton, .. Henderson said the Post Office’s decision to charge Hamilton did not seem to be supported by its own internal security report, and there was evidence that “potentially exculpatory material” had not been disclosed to her at trial or subsequently. “I regarded this as either professional misconduct or, potentially, criminal conduct,” he said."   Horizon IT scandal investigator tells inquiry Post Office was ‘sabotaging our efforts’ | Post Office Horizon scandal | The Guardian WWW.THEGUARDIAN.COM Ian Henderson, looking into possible miscarriages of justice, said he came to believe he was dealing with ‘a cover-up’  
    • and the elephant in the room     Brexit: New report suggests UK £311bn worse off by 2035 due to leaving EU NEWS.SKY.COM The report came up with a scenario for growth if the UK had stayed inside the EU, and compared it to forecasts the Office for Budget Responsibility made...    
    • I believe there is a Limitations issue with railway penalty charges. They have only 6 months and if it gets to Court  the money goes to the Treasury.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

sharpcircle v HSBC


sharpcircle
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6530 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

just out of interest, why didnt you include the interest in your letter before action? I have in mine, but havent sent it yet (I'll do it recorded delivery tomorrow)I think i'm in the same situation as you. I sent my prelim letter about a week ago and got an identical letter to yours from HSBC on Wednesday.

 

zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

Link to post
Share on other sites

  • Replies 57
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

hi,

 

Maverick told me to send the letter before action (the template letter on the site mentions interest). I have already sent the preliminary request.

 

sorry if i'm being stupid - zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

Link to post
Share on other sites

So do i ignoer the interest bit of the letter - below

 

 

----------------------

 

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.

 

-----------------------

 

or is this something different. sorry to keep asking - I just dont want to make a mistake at this stage

 

zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

Link to post
Share on other sites

so you wrote ... "I calculate that you have taken £XXXXX" and left it at that?

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

Link to post
Share on other sites

Thanks - and good luck

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

Link to post
Share on other sites

So do i ignoer the interest bit of the letter - below

 

 

----------------------

 

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.

 

-----------------------

 

or is this something different. sorry to keep asking - I just dont want to make a mistake at this stage

 

zoe

 

 

Hi,

i just changed mine to

 

"i calculate that you have taken£XXXXX NOT including any interest you have charged me for the sum that you have taken."

 

Goodluck:)

Mac

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

Link to post
Share on other sites

My credit rating isn't great (although it can't be that bad as I got a mortgage off lloyds in august) which bank would take me if hsbc close my account? I only want a solo card and such but don't know who to apply with, reason I havent applied with lloyds is they don't do solo.

Link to post
Share on other sites

Sharp - seems like we are at exactly the same stage and sent our initial letters off at exactly the same time.

 

I sent my to Alan Pretty in Leeds.

 

Good to keep in touch and work out where eachother is etc...

 

Good luck

Link to post
Share on other sites

from waht i have read the interest qouted in the letter is waht the bank has charged you for going overdrawn

prelim sent 8/07/06 for 2300.00

lba sent 24/07/06

Link to post
Share on other sites

from waht i have read the interest qouted in the letter is waht the bank has charged you for going overdrawn

 

No, this refers to just the interest that they have charged you on the penalties which form part of your overdraft

 

When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

Link to post
Share on other sites

  • 2 weeks later...

Don't bother with Recorded Delivery - a First Class stamp will be fine.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...