Second time around!!

[Castlebest]

With the current test case waiver there isn't a lot we can do after our claims have gone to court and been stayed (put on hold) :-|

 

BUT....

 

Once you have started your claim and your account is in dispute there isn't a lot the bank can do to recover what they see as a debt either, the only legal way is through the court system and your claim is there already.

 

So if the charges they keep adding to your account are causing you a problem open another bank account and take your finances and your money out of the reach of HSBC, let them add charges, they cant recover them and you will claim them back . you can even write to them and tell them that as they keep applying ridiculous charges to your account you can no longer afford to bank with them .

 

You will get some stupid letters demanding repayment and maybe phone calls but there is no legal basis to any of it and most of these tactics are unlawful so we can advise you what to write to get them to stop .

 

pete

[Castlebest]

Great thanks for the prompt response and reply. So once i've sent the LBA, my claim will sit at the court until further notice? Is that right?

 

You can leave it at LBA stage and I don't think many people here would question the validity of your dispute but to make it rock solid (if you can afford it) I would submit your claim to the court and then as Johnny says you will start to accrue the 8% county courts act section 69 interest as well .

 

pete

[Castlebest]

If I am at this stage is it a good time to write and say we can no longer afford to bank with them - I have my parachute account ready

thanks, however I will still owe them overdraft

Any wording for a letter available about sacking them off -

 

Keep trying to resolve things with HSBC, send off all of the paperwork to substantiate your case for hardship go as far as you can with them and see what they say.

 

My own claim is currently stayed in court but after having over £500 added to it in charges in 40 days I stopped my wages from being paid into this account and have moved my day to day finances.

I didn't send a letter "sacking" them, the account is still there and HSBC still believe I owe them a debt of the balance of the account but with the stay in place there is no way I can resolve matters.

 

I would move your money away from your HSBC account so you can afford to pay your bills and if your hardship case fails you will be in the same stale mate situation that I am in.... at least I can afford to eat

 

pete

[Castlebest]

Cleo, it doesnt matter which bank is ripping you off if we can help we will . as Freaky says stick to your claim time scale but treat your account as dead from now on the sooner you get your wages out of the banks reach the better .

 

Pete

 

ps Freaky where have you been????

[Castlebest]

Hi - I have spent a long time reading templates etc and really good site - what I need to know is do I ask to close account and offer to pay back in installments (I am worried about further charges) or do I do something else?

Regardless I am going to move salary in next couple of days

 

Hiya Cleo, just leave your bank account where it is, progress your claim as far as you can but open another bank account for your daily finances (wages in and bills out) that way the bank cant just keep taking your money. If you have any loans with the bank set up standing orders to your old account to keep up your payments of these.

 

If your claim for the return of unlawful charges is the same or more than the balance of your account you have no fears from the bank because they owe you more than you owe them. If your overdraft is more than your claim value then its probably a good idea to set up some payments to get this down to your claim value, don't worry about new charges because you can add these to your claim before you submit it to court and start another claim for any new charges after you have gone to the courts .

 

pete