Ishmo186 vs HSBC

[ishmo186]

Here we go just sent my prelim letter to the bank today so going to wait the long awaiting 14 days till LBA letter is sent out, thanks for all the info guys, just crossing my fingers, wish me luck

 

Ishmo186

[Digger61]

Good Luck Ishmo.

Hope I was of any help!

If yes, please click on the scales.

[lindsey20]

.deleted

[ishmo186]

cheers digger help was great ive clicked the scales ill keep you all posted thanks agai

[ishmo186]

Ive read a few posts and most people send there letters recorded delivery, ive sent mine first class to my local bank, would this make a difference or do people send their letter reocrded to get there faster lol.

 

============================================================

 

Prelim sent : 23/9/2006

[ishmo186]

also what are the standard charges that MCOL charge and do i get these charges back??? thanks

[carolinee]

Hi

 

Yes the charges are automatically calculated and added to your total MCOL

form.

 

Caroline

[ishmo186]

How much do you usually get charged as i will have to pay using my hsbc account which will probably make me go over my Over draft limit therefore incurring more charges, are they re claimable? thanks

[Kazzy77]

As far as I am aware the amount you are charged for MCOL depends on how much you are claiming back from the bank and you get that back when u win.

 

wouldnt worry about how you sent your letter. you may want to use RD for your next letter so that HSBC cant pretend they didnt recieve anything. I handed all mine in at branch and asked for a reciept because I didnt want to have to pay postage on the very heavy schedule copies i needed to send lol.

So, its best to get some sort of proof of sending but dont worry about what is already done. stick to your timetable and dont give them an inch!

 

Good luck

 

Kaz

[Kazzy77]

my claim is for £2700 and cost me £120 on MCOL. I think it starts at £30 and goes up depending how much your claim is for. it calculates it all for you when u use mcol. hope that helps.

[ishmo186]

thanks kazzy ill bear this in mind and send my next letter recorded delivery.

[ishmo186]

got a letter today from bank,how ironic i sent my prelim letter on sat and then got a letter about current account plus and a review of overdraft fees, little do they no i am claimingmy cash bk, not long now, 12 days left to go till LBA letter is sent out, it told everyone at work and there like "no you've got no chance" so slightly bricking myself with the negative feedback ive got at work.

If i win my claim, will HSBC close my account or take away my overdraft facility because even if i win my claim i'll prob still need my overdraft facility, any ideas thanks ishmo!

[Digger61]

Hi Ishmo.

HSBC didnt closed my account, but in revenge cancelled my overdraft. Its allways better to open, just in case a " Parachute Account "! You never know!

[ishmo186]

is it easy to change all your direct debits over to another account, because i have got an abbey national account that i could use but not sure how to change everything over, sounds like a bit of a ball ache lol.

[Kazzy77]

they dont tend to close your account until u make more than one claim on the same account or a claim for more than one account. So basically, as long as you only sue them once u ought to be ok lol

[ishmo186]

that should be okay, just hope they dont take away my overdraft facility, i may even ask them to increase the overdraft limit to 1500 other than the £500 one i already have then i cant be charged if i go over. still considering in changing bank tho hmm? 11 days left to go and counting nothing heard yet!

[ishmo186]

nothing heard yet 10 days lol

[ishmo186]

hey i still havent heard anything from them yet, is this normal as i have been waiting for 7 days now, or am i bein impatient, if i dont here anything from them shud i still keep to my deadline and send the LBA letter on the 14th day? thankss

[Digger61]

Hi ishmo.

In any case stick to your deadlines. It is HSBCs tactic to make you nervous. In my case, they waited every time to the last minute or ignored deadlines. One day after I filed my MCOL I had a letter offering me only part of my claim, but after the deadline ended. Should that happen to you, see my letter to them in my thread.

NO SURRENDER go and get them!

[ishmo186]

hey guys well the 14th day is up tommorw so think its time to send the LBA! anybody listen to radio 2 yesterday as they had a debate on there about claiming your money back, and they had this woman from the bank on there saying that the banks are right we are wrong, well she wouldn't be saying that if it happened to her would she, anyway crossing my fingers

[joebloggs]

Yep its a case of being very patient and calm.

They knwo your tiemtable for dealing with this so just stick to it and be as calm and clinical as possible.

You have to remember they will do everythign they can to filter out those claims that they think will be a push over, its the cheaper option for them.

[ishmo186]

well i havent heard from them 14 days after the prelim letter so ive sent the LBA letter today, just hope they pay more attention this time!gettin abit nervous now as the money claim is getting closer but also feeling good as i can add on the extra 8% just hope it doesnt get to that stage and they offer to settle early.

Another thing is that i went to the abbey bank yesterday to change everything over, i had an account with them ages ago but due to not using this account for ages it has gone inacive and they are now saying i have to use the abbey account for a while so my credit score goes up or something along those lines. just cross my fingers HSBC don't close my account as revenge )o:

[ishmo186]

Help Help Help, not heard anthing from hsbc yet BUT i checked my account via online banking and ive gone over my overdraft limit, so i had two bills go out today but on my transactions the money has gone out then it says reversal and then the money has gone back into my account??? does this mean that the DD has bounced?? i also have got a £30 charge???what does this mean? have they stopped me paying for these by bouncing them as revenge, please help!

[Kazzy77]

yes it means they have bounced it AND charged you for it. dont worry, u can add this money to your MCOL claim. they've done this to me loads of times.

 

i had a call from them today saying they were going to put more charges on my account and i simply informed the guy i would start another claim against them in court if they dared to charge me again. (im already at mcol stage). its worth ringing them and letting them know about pending court action so they are better off stopping it as you are already taking action.

[ishmo186]

thanks kazzy, ive not got long till the mcol stage, bit anxious tho as i have to now ring up the people that the direct debits have bounced and explain why cant pay, oh well cant wait till i get all my money back from them, do i send a copy of my spread sheet on the mcol stage to mcol or do you just tell them the round figure?