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Mudflap vs HSBC started 17th July


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Hi all! This is completely new to me, so pardon any stupid queries! :|

 

Since reading everyones results I have decided to go for it.......

 

I have one question for now, but I am very sure there will be a few more as the claim goes through.

 

Here goes, my online statement back in July 2000 states :-

 

17 JUL DR ..... CHARGE ------------- 1.00

19 JUL DR ..... INTEREST ----------- 3.43

19 JUL DR ..... TOTAL CHARGES ---- 27.50

 

I am assuming all I can do is claim back the 27.50?

 

any help appreciated.

 

David

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yes you are correct, if in any doubt click the second link in my sig

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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maverick your a star!

 

I have sent off my 1st letter requesting to see all my charges, then realised I can do it myself online!

Here goes the trawl, just finished 2000 get back to you all with a figure in an hour or so.

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this is, i remember, the exciting bit, coupled with disbelief, but mostly got me thinking what i could do with the money ;)

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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Hi Guys, just sorted out the prelimenary letter, just a little confued, maverick advised me that I can only claim back the total charges bit ie 27.50. but the letter is suggesting i also add on the interest? ie the 3.43.???

highlighted in red.....

 

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 .

I enclose a schedule of the charges which I am claiming with this letter

 

 

any help appreciated

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in the post it doesnt say you can claim back only the ones which say total charges, i hope thats just a crossed wire, it says you can claim back almost anything which says charges on it, anyway

 

the red wording is in red as its optional, you dont have to put it in there, the reason being what i said in the sticky post

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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Cheers Maverick, It must be a crossed wire on my part .... :(

 

I said "I am assuming all I can do is claim back the 27.50?" you said "yes, you are correct". Thats where I got mixed up. sorry. :(

 

It was me who highlighted the wording in red to bring attention to the question.

 

anyway, forgetting that,

 

after your help and all others I have sent off my prelim letter this morning, via special delivery to my local branch, with the breakdown of charges. so lets see how it goes........ I couldnt have done this much without you all, thanks for all the help.

 

David

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Just to keep you all posted, I can confirm my local Hsbc bank where my account is based, this morning signed for my prelim letter before 10 am. I could even tell you who signed for it but thats overkill!

Special delivery may be expensive but its great being able to track the progress.

 

Lets see if they pull the "we never received it, sir" stunt!

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hey guys, after sending my prelim letter with brakdown of charges, A letter has arrived and I need some help!!!!

 

I will write it word for word............

 

Dear Mr Mudflap

 

 

Re: acc number ************

 

Charges on Account

 

I refer to your letter dated 11th July 2006 regarding the above account.

 

The charges you refer to have all been applied in accordance with standard account Terms and conditions of the account in existence at the time of application.

 

I am therefore unable to refund these charges but should you wish to discuss the matter further please call me on my direct line 08** ******** to make and appointment or discussion.

 

Yours sincerely

 

 

 

Retail Branch manager

 

 

there you have it................. what now?

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there you have it................. what now?

 

If you read through the FAQs there is a step-by-step guide telling you what you need to do.

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.

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Hi,

Just ignore their letter, stick to your 14 day deadline and then send out your LBA

Good luck

Carly

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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cheers Baracad I checked it out but I must be reading it incorrectly. still need help I am assuming this letter is pointing at the red bit ?!? but it states in my letter he wants me to call him!!!! is it ok to ignore and let the deadline proceed?

 

One of the following will now happen:

 

A) The bank or Credit Card company will ignore your request and you will not receive a reply. If this is the case, allow for the 14 day deadline and proceed to the next stage of the claim.

 

B) You will receive a fairly standard letter saying "sorry you are not happy, we'll get back to you sometime in the next decade..." Again, if this is the case, allow for the 14 day deadline and proceed to the next stage of the claim.

 

C) You will be offered a partial refund but it will be offered as a "Full and Final" settlement of your claim. We would advise you to accept this - but only on the condition that is is a partial settlement and that you will continue with your claim to recover full funds.

 

D) You will be offered a full settlement of your claim. Experience shows this to be very unlikely at this early stage, but it just might happen.

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Hi,

 

I deifnitely wouldn't advise ringing him, as they try to back you in a corner and make you look stupid if you are not 100% about what you are talking about. It's an intimidation tactic.

As I said just ignore their letter and when your 14 day deadline is up sent your LBA out.

You will probably receive more letters saying much the same, but just ignore those too, unless one of them is making you a full and final offer!!!!

Best of luck:D

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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A bit concerned that when I send out the LBA the first line is false???? as they have sort of responed to me ?

 

I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

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Hi,

Don't be concerned, just leave that line out. These letters are only templates and you just adjust them to suit your situation

Carly

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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  • 2 weeks later...

Progress Report.

 

Ok people........... I have just got back from a week away and i have recieved all of my old statements! never have so many envelopes rammed throuigh the door!

Amongst the statements was a letter from Ian Sheperd returning my £10 cheque "happy to waive any fees for the porduction on the information".

 

More importantly its LBA day! 25th of July!

 

So as I mentioned in my earlier post. I have been contacted by the bank manager, so the first line is a little lie. (in red)

 

LETTER BEFORE ACTION

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

I am very disappointed that you have failed to respond to my letter of the [XXDATEXX].

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

 

 

Carly advised leaving it out but instead I have changed the wording a little, can anyone see why this is not a good idea, any help or critisism appreciated.

 

 

LETTER BEFORE ACTION

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

I am very disappointed that you have failed to respond with a satisfactory outcome to my letter of the [XXDATEXX].

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

 

any good?

 

Regards David

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David,

 

That is perfect, as I said just adjust the templates to suit your needs.

 

Get it sent!!!

 

Carly;)

Lloyds TSB credit card-Judgement by default filed 8/06/07

 

Virgin credit card-£120 claimed Settled in full

Business barclaycard-£200 claimed Settled in full

Business a/c-£961.31 claimed Settled in full

NatWest personal a/c-£3010.28 claimed Settled in full

Abbey business a/c-£2390.96 Settled in full

Halifax personal a/c-£497 claimed Settled in full

HSBC credit card-£175.65 claimed Settled in full

Co-op credit card-£150 claimed Settled in full

NatWest business a/c-£250.00 claimed Settled in full

Halifax personal a/c2-£336 claimed Settled in full

Lloyds Business a/c-£1027 claimed Settled in full:lol:

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  • 2 weeks later...

Hey Peeps, Just to update you all with the timetable progress, As expected I have heard nothing from the bank after the Lba had been sent and received.

 

Roll on Tuesday/Wednesday when I shall be doing the Moneyclaim bit.

 

Cannot wait to get 8 percent back aswell now! Just going to do the spreadsheet.

 

keep you posted.

 

David

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you r on the same timescale as me my moneyclaim will be issued on monday

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Ok people, If there is no full and final settlement letter at home tonight MCOL will be called upon, I have done lots of checking and double checking that my claim and figures are correct just need the thumbs up from a few wise ones..............

 

here goes,

 

 

Figure I am claiming is £2235.50

 

8% Interest I have added up using the 'easy' excel spreadsheet is £493.13

 

Grand total of £2728.63

 

Lastly £2235.50 x 0.00022 = 0.49p which is my daily interest rate.

 

all agreed?

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