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    • Any time limits AZ might spout are simply arbitrary, the ONLY thing you need to be doing is informing them ''in writing'' of your new address.   Also ensure your CRF is updated and showing your correct address also.   When you send AZ the letter which needs only to be one line......   Sir/madam.   My current address is No.1 Mickey mouse street blah blah blah, please update your records accordingly.   Regards   And obtain ''proof of posting'' which is free from the po counter, send it 2nd class post.
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    • @Andyorchnot what I have seen as all parties have signed for Sponser to be100% liable for fees.   @dx100ukthats what I thought it sounds like to be fair.
    • During that time my credit rating was shot yeah.    I got caught in a cycle of small payday loans with Sunny. I had an arrangement to pay with the company sunny sold the loans to.    I put in a irresponsible lending complaint and about 2 years later I won this and sunny paid me back a large chunk of what they loaned me. (had the choice to deny and push for more, but looking at it now I did the right thing)   I remember  going for the 118 loan at the time and was amazed I got it.  Then when I paid for a good 6-8months on the 118 loan I got offered the "loan top up" for another £1500. Which I of course I took 🙄.  I eventually got the total owing down to 2k (which is now 3.2k with AZ) but then ran into payment problems.    To answer your other question I have not paid any other DCA any monies.  Right now this 118 debt is the only debt I have.    Surely if I dont act quickly the likelyhood of the pushing  a CCJ is greater? Or do you believe because the debt is "toxic" that it wouldn't get that far?    Thanks again for your help. You wouldn't believe how much you have calmed my anxiety and stress. 
    • Allegedly ......Well thats something for you to address within your statement backed up by evidence by way of exhibits...I have had to edit your previous post referring to this amongst other remarks please refrain from making these statements within your posts and putting the forum at potential risk of liable remarks.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
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Final Response from HSBC- Help Please

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I've gone through the process of requesting statement, using the spreadsheet, sending of my letter of claim, and sending a LBA, i have now had the final reposnse from HSBC which reads as follows:


Thanks for letter dated xxxx re charges of £3514


the bank does not agree with your contention that the charges that have been imposed consitute a penaltyand are therefore enforceable. The contract between the bank and its customers is goverened by our personal banking T & C. In respect of overdrafts, i would refer you sopecifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us lead to your account going overdrawn, the bank considers whether or not to make this payment and a fee is payable for this serivce.


Our fees are stated are clearly stated in our published price list etc etc etc


if you not happy complain to the financial obudsman.





Firstly, has anyone else had this reply before, and what should i do next. Is it time to issue the proceedings, and have i done it right up to now.


Please help, as i need to claim this money back, as HSBC have mad emy life a misery over the past 6 years.


Thanks in advance- Rich

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Thats a standard letter, just stick to your timetable and plough on you will be fine.


Prelim sent 1st aug

LBA sent 15th aug

MCOL issued 31st aug

offer recieved and rejected 5 sept

second offer recieved 3rd oct

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i got the exact same letter last week dont worry keep going its to make you feel that they are in the right THEY ARENT




HSBC £5,735.35 :D


MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00


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



mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges



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Thanks for that. Love going on these threads as so many people are so angry with banks. I must admit, can't see the sense in them rejecting my claim, as the amount will now rise to £4,500. Good commercial decision.

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Another Question for someone that knows.


Assuming HSBC enter a defence, what will happen next, will i have to go to court, as a friend of mine, who i'm helping with their claim, has been given a court date as Lloyds TSB have entered a defence.

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no-one has actually got to court yet, its their last tactic to dissuade you and make you get cold feet and give up, dont worry

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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Don't worry, you'll be fine. I could always arrange a coach and then a group of us could come with you for support. You'll have plenty of people to buy a celebratory drink for after at the pub then won't you!


besides, there's more chance of my husband buying me flowers than you having to actually go to court and believe me......that WILL NEVER happen!:D

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He he, like your response.


HSBC have ackowleged my claim, so according to other similar cases, i should get an offer soon, and then i'll buy you some flowers :grin:


If it makes it to court, you can all come down to Leicester to stand in my corner, and of course, drinks will be on me if i suceed. Fingers crossed.



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adding on to the bit about your friends claim with LTSB, they will more than likely pay up before the actual date. That's just another stalling tactic. The chances of LSTB actually letting the claim go that far are very slim indeed.


You will be fine :)

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