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Just got another charge..help!


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Hello im fairly new to all this but nervously sent my reclaim letter and breakdown of charges yesterday. Today I was informed from the lovely HSBC that i have another £125 of charges which they call 'total charges' which they will apply at the end of this month. Now that i have sent my letter with total amounts etc, is there anything i can do to add on this 125 to the re claim?

 

help!

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yes what stage are you at have you just sent the first prelim letter if so just add it to yourstatement of charges and add it with the next letter

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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was it the letter before action you sent if so if they dont settle in which you can say you only settle if they are refunded or if it goes to court then just add it then all is not lost its not too late but can you clarify what stage you are at please thank you

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 that is the prelim then

so you wait 14 days then send the second letter and you can add it to the spreadsheet then good luck if you need help just shout lol

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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Hi there,

 

This is kind of what I would also like to know, about adding further charges to the existing ones. I have sent my prelim off on the 4th of August (I got a standard 'no refund due' letter back on the 12th) and await the deadline (18th of August) so I can send off the LBA. I have since been able to calculate some more charges from some 'missing' statements but they go back to May 2005 and as far back as late 2000...

 

Am I able to include these 'new' charges onto the spreadsheet and thus claim for these as part of the total or would I need to put in a seperate claim?

 

All help warmly welcomed!

 

KJB

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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you can claim for 6 yrs worth so like mine i done the period 11th july 2000 to 11th july 2006 so if thy arent in there add them next

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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angela1606,

 

So going back and adding in the new charges won't stand against me as the amount will differ from my original prelim letter?

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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nope i too have added to mine you change amount up until you file at mcol

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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Okeydokey, I'll get me calulator out right now then! Thankyou for the speedy replies!

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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thanks for all your help, angela. Thats great news that you can add them on at your next letter. I sent my prelim letter off on the 13th August so should i expect a reply by 21st (based on when you got yours back, kj)? Will need to then read the next instruction - not a pro at things like this at all!!!

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thanks for all your help, angela. Thats great news that you can add them on at your next letter. I sent my prelim letter off on the 13th August so should i expect a reply by 21st (based on when you got yours back, kj)? Will need to then read the next instruction - not a pro at things like this at all!!!

 

I think it is pretty hit and miss regarding receiveing the letters back from them, my wife and I both posted out our prelim requests at exactly the same time and she hasn't heard a peep, wheras I've had two letters back in less then a week!

 

The good news is with the extra amount I've uncovered on my 'missing' statements it has added another £250 to my total, which will now be included with my LBA on the 18th August. Can't wait to get this one off to them! :D

 

All the help you'll ever need is right here on this wonderful site so don't be afraid to just ask! And good luck with your fight to win back your charges!

 

KJB

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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well i have finnally had an offer not that im going to accept it as full as it is only £1990 but nice to see they are finally listening to me hehe

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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Share on other sites

KJ

Why are you waiting until the 18th to send your LBA?, you sent your prelim giving them 14 days to respond and they did, but not in the way you'd hoped. Send your LBA now!!!!!!!!!

 

I did question this myself to be honest but since I initially gave them 14 days I will give them 14 days! Mad maybe, but I have been told that it is best protocol and then I can say I have done everything all above board! The sods can't have me for anything then so I'll play by the rules, even though they haven't! Heehee!

 

The anticipation of sending my LBA is killing me, I really can't wait to get it off to them... two days and counting!

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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KJ

If they've refused after your prelim, they're not going to change their minds within the next few days. Send it now. You don't need to wait (up to you though).

Good luck

 

I am gonna sit tight for two more days and then post off my LBA (recorded del) and see what happens next.

 

I'll keep you all posted as to what goes down and how things pan out!

WON!

Cahoot - Prelim 18/8/06 - LBA 1/9/06 - MCOL 15/9/06

GE Money - Prelim 10/8/06 - LBA 1/9/06 - Cheque arrives 7/9/06

HSBC - Prelim 5/8/06 - 10/8/06 - LBA 18/8/06 - Partial offer 24/8/06: Rejected - MCOL 7/9/06 - 21/9/06 Full Offer & Confidential.

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