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    • Filling out the defence but stuck on this one:   3. It is denied that the Claimant has complied with Schedule 4, Protection of Freedoms Act 2012 [set out the specific ways in which the requirements of the paragraphs mentioned above have not been met]. Only include the above paragraph if you have checked the POFA and can refer to the specific paragraphs which have not been complied with. Otherwise delete it. Do not forget to renumber the remaining paragraphs.   Have they complied with PoFA 2012?
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Ruth Goalby v HSBC


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bump!

hi there, I am new to all this and have sent HSBC the first letter stating that I would like the total of my bank charges back and a running log and total of the charges the 14 days is almost up and I haven't yet heard from them, what do I do next?

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hi there,

 

you can send the letter of rejection saying that you will accept the amount as part only and you will be claiming the rest back plus the interest and costs.

 

heidibrook.

 

please start your own thread.

have you read the faqs??

 

have you sent the Data Protection Act/S.A.R - (Subject Access Request)??

 

it is essential that you know what you are doing.

click here

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

and click here for all the letters you need to send

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

please start your own thread where more people can help you out.

 

good luck lisax

if i have helped you at all click please the scales on top right!

 

ABBEY

11/4 S.A.R - (Subject Access Request) SENT OFF

1/6 LBA SENT

22/7 LETTER SENT REQUESTING THEM TO REFUND CHARGES

15/7 STATEMENTS RECEIVED (ALL 6 YEARS WORTH)

20/7 CLAIM ISSUES IN OLDHAM COUNTY COURT.

8/8 CLAIM ACKNOWLEDGED GIVING THEM TILL 21/8.......

SETTLED IN FULL!!!!!!!

 

T MOBILE i won!

16/6 Data Protection Act SENT OFF

 

5/8 t mobile have failed to comply with the Data Protection Act/S.A.R - (Subject Access Request) reques ....BRING IT ON BABY!!

7/8 LBE SENT GIVING THEM 7 DAYS TO COUGH UP MY CASH

7/9 FULL REFUND BEEN SENT!!

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Well, I have received a letter from DG soilicitors this morning, requesting a full breakdown of the charges!

 

On this breakdown do I include the interest?

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Well, I have received a letter from DG soilicitors this morning, requesting a full breakdown of the charges!

 

On this breakdown do I include the interest?

 

Hi Ruth,

Wow, spooky. I received the exact same letter today too! I have prepared a fax to send with the charges, including the 8% as it is now at the court stage. I take it you are at the same point? If so then I would definately add on the 8%.

 

I am also sending a letter including the charges plus trying out an email too, so they are gonna get my charges on three fronts! Theres no way they can then refute that they have received them.

 

Good luck! Not long now!

 

KJ

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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Hi Ruth,

Wow, spooky. I received the exact same letter today too! I have prepared a fax to send with the charges, including the 8% as it is now at the court stage. I take it you are at the same point? If so then I would definately add on the 8%.

 

I am also sending a letter including the charges plus trying out an email too, so they are gonna get my charges on three fronts! Theres no way they can then refute that they have received them.

 

Good luck! Not long now!

 

KJ

 

Oooh, that'll be interesting to see how this pans out then! How much are you claiming back?

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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sorry, meant to add, thanks for the info about the 8%, I was certain that we had to include it, but just want to make sure I am doing it right!

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Also, do you have an e mail address for them, can't find one at the moment.......

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Also, do you have an e mail address for them, can't find one at the moment.......

 

Hi Ruth,

 

I simply worked it out... The person I am dealing with at DG is Julie Kyle (even though she has gone on holiday from today - bet she needs the rest after all the work CAG are putting their way! heehee!)

 

I sent my email to [email protected] and it hasn't come bouncing back as undelivered... There is an email for the legendary Deborah D'Aubney too, hers is [email protected]. Its in the HSBC contact thread.

 

I tried calling DG yesterday to get confirmation of receipt of my fax but I just kept getting answer phones for both people. Gonna try again soon. I am after 3K from them... Lets get 'em!!

 

KJ

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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I've not heard anything from them yet, will wait to see what happens at the beginning of next week.......

 

 

Thanks for the info KJB :)

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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I've not heard anything from them yet, will wait to see what happens at the beginning of next week.......

 

 

Thanks for the info KJB :)

 

Wooohoo, I had a full offer yesterday! I faxed the letter back to them and also sent it 1st class recorded: It is confirmed as being delivered according to Royal Mail this morning! Ruth, yours is sooo close now!

 

I did however sign including the confidentaility bit, I know its a real cheek them asking but hey, I want my money and I don't want anything holding it up. Besides, with what has already been posted here and eslewhere previously regarding my HSBC battle it makes no odds anyway!!

 

It is only a matter of time now, literally hours I'm sure for you! Roll on Saturday morning's post! Keep 'em crossed!

 

KJ

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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Oh fantastic! Im so glad you got yours, can't wait for tomorrow mornings post now, I'll be waiting with baited breath lol!

 

Its like christmas eve, waiting for santa to come!!!

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Well nothing but a phone bill in the post this morning lol

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Maybe today then! Fingers crossed!

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, nothing in the post this morning! Oh well, just wait to see what tomorrow brings!

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Still nothing in the post this morning!

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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A big fat....................................................................................

................................................................................................

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nothing again!

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Share on other sites

nada, nothing, zip, zilch.

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Well, tomorrows another day. I wonder if the postman will bring me anything?

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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nothing today either, apart from statements from Mint card, 244.00 to reclaim!

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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ruth, hang in there - i've come to the conclusion it is all stalling tactics. i received 100% offer from Julie Kyle on 22 sept (who said she was on holiday?), sent it back - they received it 25 sept. then tues received from the court: their defence, allocation quest. + change to my local court for the defence. A bit nervous - thinking - why? - called ms kyle on tues - got her machine and left message - she called back thurs afternoon - said the defence filing was because it was due (28 days after mcol was served). she said a cheque would be coming in about 7 days. i pointed out that it would have to be in time for me to stop my claim before the allocation quest. is due on 14 oct (plus another £100 if it were to go that far). she said it would be here - that was thursday - so now we wait. i think they push everything as far as they can hoping we will drop dead from waiting. fingers crossed, i think we'll get there in the end. just don't stop the court case until the cheque comes and it has cleared. good luck, we are all in this together.try to stay: :cool: !

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nothing today either, apart from statements from Mint card, 244.00 to reclaim!

 

Hey Ruth,

 

I've been away for the last week, have you had any luck yet??? Must be soon!

 

KJ

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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Finally got a letter this morning offering me 3621.64 full and final, confidentiality etc etc. I'm more than happy to accept, however, interst up to today comes to 425.84 bringing my claim to 3639.34. Is it worth asking for all of the interst? Or are they just giving me interest up until I started my MCOL?

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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Probably until the claim was raised. To be honest I would accept what they have offered - to antagonise them now might cause an interminable delay to you getting your money, and for £18 I wouldn't run the risk...well done. :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull 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, you are advised to seek the opinion of a qualified professional.

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Sent my acceptance back today with confidentiality crossed out. How long before I get the money?

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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congrats on the offer. see my note to you above: sent acceptance back on 22 Sept. they got it mon. 25 Sept and here we are 9 days later and still no cheque. some get it in about 10 days so i'll be watching the post tomorrow - got a letter yesterday confirming their offer and saying the cheque will be here in 7 days (written last friday - so we live in hope). this waiting for the cheque is probably worse than waiting to hear from them. it's so close you can smell it!

congrats again - i can't help thinking the hardest part is over.

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If you need to add something to this thread then

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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