Little old me V HSBC - Claim form now received

[bilious]

Oh i will look into the ppi now! at least 6yrs of charges there for me to look at...

[lord_tiger_putin]

Oh i will look into the ppi now! at least 6yrs of charges there for me to look at...

 

What you really need is all your statements from the start of the account. You can get from HSBC by either phoning HSBC themselves or going into a branch and ask for them to be send to you. They will charge £10 (this is the max allowed fee!) but it is worth that many times over!! They will send them to you within 7 days and you will be able to work out what you can claim back. The beauty of the PPI is the fact that it can make claiming back charges much easier.

 

If you making a SAR you will not be getting the statements (it is not personal data!), the data is hidden in trillion computer pages.

 

You WILL HAVE to do it, do not hope for these problems to go away, they will only get smaller if you act! If you get these statements, I will be able to help you with the calculations and the claim but you have to get them!

 

Just to give you an idea:

My AQUA card balance was app. £1400 with PPI that I didn't applied for.

If I get back what I have calculated then the balance will be app £450.

 

My Barclaycard balace was £570, getting the amount claimed back, it will be £60, I am also claiming back mis-sold ID Theft Protection, then the balance will be in credit by app £180.

 

My CrapOne Card is about £191, they will have to pay ME now app £350.

 

I will keep going at them seeing that I used what the FOS recommended and if they fail, then it is off to the FOS, with an additional £200-300 for me!

 

Furthermore, it is making the amount on the DN inaccurate, one more point to get it removed.

 

Do you owe Paypal money? If I were you, I simply would not pay them, they are utter FILTH! But it is up to you.

[bilious]

paypal mastercard, but taken over by santander now, will be looking at payplan to sort out that one and my barclaycard too long with my head in the sand and juggling finances i cant afford!!!!

[lord_tiger_putin]

paypal mastercard, but taken over by santander now, will be looking at payplan to sort out that one and my barclaycard too long with my head in the sand and juggling finances i cant afford!!!!

 

A mastercard is a different story. Won't Payplan not dela with HSBC and MBNA as well, even now?

 

If you want to get the maximum amount back then you will need your statements.

[bilious]

i think someone has mentioned that it's too late to go to payplan with hsbc and mbna at this stage? but can anyone correct me if thats wrong? looked cccs ages ago but they wanted me to pay more than i could afford(great help they were, insisted it had to be joint names when it was only me in debt...)

[lord_tiger_putin]

i think someone has mentioned that it's too late to go to payplan with hsbc and mbna at this stage? but can anyone correct me if thats wrong? looked cccs ages ago but they wanted me to pay more than i could afford(great help they were, insisted it had to be joint names when it was only me in debt...)

 

You can still make payments arrangements even when a creditor has issued court proceedings and I can't see no reason why a third party (like Payplan) won't be able to do that, they are certainly doing that even after you received a CCJ, here is an extract from their web site:

 

"Can I enter into a DMP if I already have a CCJ?

CCJs don't prevent you entering into a DMP; Payplan will help you make the payments to creditors who have issued you with a CCJ. You will be required to provide details of your CCJ during your financial assessment. CCJ payments will be given priority when Payplan distribute your payments monthly."

 

I would strongly suggest you give them a call. It certainly would be a big relief if they handle these 2 companies!

[the_shadow]

i think someone has mentioned that it's too late to go to payplan with hsbc and mbna at this stage? but can anyone correct me if thats wrong? looked cccs ages ago but they wanted me to pay more than i could afford(great help they were, insisted it had to be joint names when it was only me in debt...)

 

Hi Bilious, I thought it was me and checked back, yep I said it :redface:I should have added the reasoning behind my comment which basically is that your creditors have had the expense of starting court action, it is possible they could push on regardless... depends on how your asset situation is I suppose

 

So it would never hurt to try but done count on them expecting is really the comment I should have put on the original message. Sorry!

 

S.

[Docman]

Hi Bilious,

Just so no one misses the point in the discussion - have you sent the Acknowledgment of Service to the Court or acknowledged service online?

You also need to ask HSBC (or more accurately DG Solicitors) using the CPR 31.14 rule for a copy of both the credit card agreement and the Statutory Default Notice that are mentioned in the Particulars of Claim. Look at the stickies regarding sending these letters.

I would be very interested if HSBC actually produced a signed copy of a valid credit agreement. To date, I have yet to see one from HSBC and I am wondering if they ever actually bothered with credit agreements when issuing credit cards.

Doc

[bilious]

thanks doc and all but time is running down for me now have been away to see my mum who's ill? so not sure if i'm going to have enough time to post em off for the tenth unless i can do it online?And i did send them a cpr letter ages ago which they completely ignored then they went ahead and put claim form in..

[Docman]

Don't worry about the lack of a response from HSBC just yet. Have you acknowledged receipt of the claim form? You can do so online if the claim was issued by Northampton County Court.

[bilious]

yes it was northampton but if i'm acknowledging that i do owe the money (which i'm not as yet..) need to phone a set of solicitors tomorrow on no win no fee etc can i still do that online? obviously i'd need to fill in my payment offer to them so can that be done as well?

[bilious]

Still unsure as to what to do, and really do feel the more i read the more i have no chance of winning this! Especially even though the dn notice is invalid and the termination by asking for the full amount its a dj lottery really and they seem to always favour the banks do they not!

[bilious]

right the courts have said i've got to send the admissions forms to the claimant is that right