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alison & robin v hsbc **WON**


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right their time is now up what do i do now???? i read somewhere that people on benefits would not have to pay the fee for the small claims court. would i have to get a solicitor involved in that case or can i still do it online. can someone please help me on where i go from here, i am so stressed at the momentg as i am travelling back and forth to my mums in bucks as she is very ill also i am haviing probs with my son who has aspergers. i really don't want to quit and let the bank win but i have no energy.

xxx Ali xxx

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  • 4 weeks later...
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hi everyone

sorry i haven't posted for a while but a member of my family has been ill so been away.

anyway today we finally got around to filing a claim at the county court, i couldn't believe how easy it was we were expecting loads of questions to be asked as we also applied for exemption of court fees, but we were basically in and out of the court ( even put 2 hours on parking ticket and we were in ther 10 mins lol ) anyway the deed is done now.

xxx Ali xxx

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goog good - you'll get your money anytime now! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 2 weeks later...

today we received letter from court stating that hsbc solicitors intend to defend all of our claim.

 

i've been looking through the threads and it seem the next thing i can expect is a letter from DG asking for a breakdown of charges....is this right??:confused:

xxx Ali xxx

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today we received letter from court stating that hsbc solicitors intend to defend all of our claim.

 

i've been looking through the threads and it seem the next thing i can expect is a letter from DG asking for a breakdown of charges....is this right??:confused:

 

They ill possible ask for a brekdon - or you'll get a settlement offer. If they ask for a breakdown, you'll get an offer once theyve received it.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 2 weeks later...

still waiting to hear from dg solicitors, thought we might have heard something by now they've not even asked for a breakdown they got till the 6th november then their 28 days are up..........do you think they may just be stalling...getting a bit worried now :confused:

xxx Ali xxx

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Don't worry, at the end of the day, the longer it takes them to settle, the more interest you'll earn!! You'll hear from them soon. They are probably having trouble now with all the claims that are coming in!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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is that right i thought once you had made a claim that is all that you would get back.....since making the claim they have taken another £50 in charges with another £95 due to come out on the 10th November :mad:

xxx Ali xxx

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Well, in your particulars of claim, did you request daily interest? If you did, then they will ahve to pay you that out too.

 

As for the cahrges due to go on, try either calling HSBC and asking for them to be waived, or aask for it within your settlement.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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today we received offer from DG solicitors of £4113.18 will be accepting as part payment. our claim was for £4818.31. i don't want to sound greedy but the £700 difference would help towards things needed for my son who has aspergers.

xxx Ali xxx

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great what a time for my printer to pack up... ok does any one know what i can (hand) write to accept offer as part payment towards total claimed. the letter needs to go to DG solicitors and it has the confidential claus in it that i won't agree to. I've looked through the threads but with five kids running round me i can't think straight:confused:

xxx Ali xxx

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Yep - I got my 100% offer today - 9 days since reject offer day

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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after receiving offer on Sat which we declined by recorded delivery this morning and said we would accept as partial settlement, today we received a letter from the court which said that HSBC have filed their defence.

Their defence is as follows:-

 

1) The claimant's accounts are governed by the defendant's personal and/or business banking terms and condiotions.

2) Pursuant to the defendant's terms and conditions the defendant is entitled to make a charge for it's services as set out in the defendants price lists.

3) It is denied that the fees charged for the services provided amount to a penalty or (if it is alleged ) a liquidated damages clause. It is denied the fees are an unfair contract term. The fees are an agreed price for a service provided by the defendant.

 

I am right to be worried ??? or is this just a standard defence??

 

I'm starting to wish that I had accepted offer as full and final settlement.

 

Can someone please help me

xxx Ali xxx

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I wouldn't worry - they've entered a defence to buy them more time to settle....still hand the AQ etc in and go with the flow of the claim

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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:D just had letter from dg offering full settlement :D £ 4988.90.

Do I just cross out confidential claus?????

Am very happy now.:D :D :D

I want to thank everyone on this forum for their advice and I would also like to thank Lorraine Kelly for had I not been watching LK today I would never have known I could claim the charges back in the first place.

Will of course be donating to the consumer action group when money comes through.

Am off now to cartwheel round the garden lol.

 

P.s how do I change my thread to *****WON*****

xxx Ali xxx

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congratulations - absolutely, just cross out everythign you don't agree with....confidentiality etc.......as for changing the thread name, just PM a mod with a link to the thread and ask them to change it!! :D

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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:D wow that new title looks sooooo good thanks blueskies for changing it, now can anyone point me in the direction of the survey please?????...i'm a bit dizzy from all the cartwheels lol

woooohooooooooo I feel like i've won the lotto only better:D

xxx Ali xxx

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Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Isn't it hilarious!

Today I received (nearly breaking my letterbox) 42 seperate bank statements! The poor person that had to lick all those envelopes must have a very sore tongue!

 

Fortunately for me I found all the info online before these arrived, so have already sent off my request for refund of charges (nearly £4000). After 14 days I received no reply from either of the people at HSBC I had written to.

 

Yesterday, I have sent by recorded delivery my letter before action.

 

14 days to go.... of no response then my court claim will go ahead.... watch out HSBC!!

 

Hang in there, it's V.stressful, but lots of us are going thru it

 

Lyns :grin:

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Superb news!

 

You dont sell bmw cars do you?:D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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