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    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
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philo v HSBC


philo
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I've just started the process of claiming back my £844.50 worth of charges with an additional £39.73 in overdraft charge interest. I'm using printed off online bank statements. Nearly all the charges are "Total Charges", (all the earlier ones are about £27.50), apart from one which is a "Charge" for £7.50, have no idea what it could be for, but it seems excessive so I'll claim it back ;) .

Having read a few threads concerning interest, I was a bit concerned about including it in case I made a mistake which the bank may exploit, but it seems that on the same day they charged me, they also took out interest which is the figure I entered into the spreadsheet. This seems too easy to me, am I doing something wrong?

 

Anyway, prelim letter tonight, post in the morning :) .

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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hello, welcome to the site. if you read the sticky post at the top of the forum regarding charges on statements, in there is a detailed description of the interest ad how to calculate it

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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  • 3 weeks later...

Hi All

 

Just received a response from someone who signed the letter for Colin Langdale (probably too busy with a backlog to sign the letter himself :D ). Usual standard stuff and an offering of £675.00 of a £894.46 claim. They totally ignored my interest claim of £39.96, just acknowledged the charges of £844.50!

 

Anyway, pressing forward with the full claim ;) .

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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sounds like you know the steps to follow :D

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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I've been back and forth this site for weeks now, so I seem to be picking up stuff by osmosis :).

 

Thanks to everybody's threads here, I've become very confident in my ability to handle the banks, something I've never previously felt.

 

Strange thing is, everyone I've told about this site and the reason behind it, doesn't seem as enthusiastic as me. They must think that a) I'm lying b) I haven't got a chance of winning c) It doesn't concern them 'coz they haven't ever had an overdraft charge :roll: .

 

Baffling!

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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Wait till you tell them you won LOL. I wish id had a camera when i told the doubting Thomas' that i had won --- especially when i told them how much hehe

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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Share on other sites

BTW rdm, great step by step guide. Easy to follow - should be a sticky I think!

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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Already trying to sort that out Philo. only thing i can say is the more people who vote by clicking on the scales the better chance i will get

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

However, if you have found any advice you have been given helpful.

Why not show your gratitude And

Click the * on the post you found helpful.

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  • 3 weeks later...

Time for me to file with MCOL, I've already delayed by a week (actually forgot :oops: ).

I've another "pending" charge of £19 due in 2 weeks for being oberdrawn by £19 for 1 day!! I'm angry at this and would like to add this to the amount owed but as it hasn't actually been debited yet, then it is not a justified claim on MCOL. I'm tempted to wait another 2 weeks before filing, just so I could include it :| .

 

Could someone clarify for me please, when filling in relevant MCOL entry, and using the following template. Am I right in assuming the "amount of charges claimed" include the interest on those charges?

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years.

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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Aha

 

Had another letter today, this time from Colin Langsdale offering me £844.50 as a final offer etc. That's the second "final offer" I've had so far hehe. I haven't even filed with MCOL yet.

 

Not sure whether to take it though, it's only 40 quid ish of my claim and the money would have a happier home with me now rather than later. Then again, it is ALL mine and I could also squeeze an extra 8% interest out of the bank if it went further.

 

Hmm...decisions, decisions..........

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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Well...I accepted the final offer of £844 which is just £40 less than I requested (it was the interest which they were adamant was justified), and sent off the signed letter. Had my bank account credited 2 days ago with the agreed amount.

 

Success!!!

 

I hope everybody has it as easy as me. I've already had £40 "charges" deducted from my account since my action began, so I'll probably go through this again.

 

Bring it on!!!:cool:

warning letter "if charged" sent 9th July 2006

- no reply

 

prelim. claiming £884.46 inc. interest sent 24th July

- no reply

 

LBA claiming £894.46 inc. interest sent 6th August

- reply on 10th August offering £675 - declined :p

- another reply on 31st August offering £844.50

- money in bank on 5th September - SUCCESS :cool:

to be continued..........

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