boXXer vs HSBC ** WON **

[boXXer]

sweet! thanks for all your help mate.

[Welshman]

then they will write to "without prejudice" offering you a settlement.

 

Keep us updated.

 

Interestingly, their offer letter to me was not marked Without Prejudice. In fact nothing I received from them was marked thus. Therefore, they're all in my Court Bundle.

[boXXer]

Helooooooooooooo peeps! they Acknowledged my claim on the 14th of November, and today i got a letter from DG solicitors asking for a breakdown of charges. So do i just sent a letter back, with a copy of the charges? if so, does anyone have a template for it, as im RUBBISH at writing letters, lol. I understand that i have to add the lines of "i will only accept this payment in cheque, made payable to myself". Is this correct?

 

Cheers for any info!

Mike

[lateralus]

yes, send them tomorrow, recorded deliver, with a quick note -

thank you for your letter of xx/xx/06 asking for a breakdown of charges.

please find a copy of my charges enclosed.

please note that i will only accept this payment in cheque, made payable to myself.

 

obviously use caps and do it properly - and to the attention of the person who sent you the letter. short and sweet

 

and be aware that they will probably file a defense on monday or tuesday - on the 28th day after it was served. this is normal - you then start aiming for the deadline in the paperwork from the court that will arrive shortly after they defend (you will know because you won't be able to push the judgment button on mcol if they defend). don't worry over any of this - it's normal stuff - keep reading the faqs and steps and you will see how this all shapes up.

[boXXer]

Hiya. Thanks so much for your reply! scales pressed! your a star.

[boXXer]

BTW, does my 8% interest look ok to you, this isnt all of it though....

 

[lateralus]

techno stuff is not my strong point (my strong point is just following step by step instructions) so... if you used the s/s correctly - (i.e. correct date, correct charges, correct percentage in the right box) then there is no reason to think your total is anything but okey-dokey. you already included the 8% interest in your claim, right? just send them a copy of the spreadsheet.

[un1boy]

yes, send them tomorrow, recorded deliver, with a quick note -

thank you for your letter of xx/xx/06 asking for a breakdown of charges.

please find a copy of my charges enclosed.

please note that i will only accept this payment in cheque, made payable to myself.

 

obviously use caps and do it properly - and to the attention of the person who sent you the letter. short and sweet

 

and be aware that they will probably file a defense on monday or tuesday - on the 28th day after it was served. this is normal - you then start aiming for the deadline in the paperwork from the court that will arrive shortly after they defend (you will know because you won't be able to push the judgment button on mcol if they defend). don't worry over any of this - it's normal stuff - keep reading the faqs and steps and you will see how this all shapes up.

 

Very thorough explanation.

[un1boy]

BTW, does my 8% interest look ok to you, this isnt all of it though....

 

 

I'm not a techy at all either, but it looks ok....

[lateralus]

thankx un1boy, want to hear something funny.....

i just figured out how to make cag my homepage - talk about slooooooow!

[un1boy]

BTW, does my 8% interest look ok to you, this isnt all of it though....

 

 

Boxxer, if you are sending this to the solicitors, you don't need to include the last 2 columns!!

 

Sorry, thought you wanted to know just if you had it right.

[un1boy]

thankx un1boy, want to hear something funny.....

i just figured out how to make cag my homepage - talk about slooooooow!

 

lol, well, better late than never, eh?!

[boXXer]

ah right, even though i havent sent off a copy yet with the charges? the only charges sheet i have sent out is when i wrote to HSBC with a list of the charges, but this did not include the interest. So, do i only have to send out the original one again, minus the charges?

 

Cheers for your help

[boXXer]

ive just realised. Was i supposed to send a copy of my charges including interest to the courts???? DOOOH!!!

[Michael Browne]

ive just realised. Was i supposed to send a copy of my charges including interest to the courts???? DOOOH!!!

 

Ideally, yes, but you can send one with your AQ (mention this in section G)

[boXXer]

i can send one tomorrow if its any easier?

[Michael Browne]

You filed around Nov 12th? In which case they'll be filling a defence any day and it will be transferred to your local court, who will send you the AQ. If you send one to MCOL now, chances are it won't get attached to your claim before transfer, so you might as well wait for the AQ and then be sure that the schedule is with your claim.

[boXXer]

ok, sounds good to me. i have an urgent question though! claim was defended i think yesterday. So should i get the allocation questionaire soon then? and how long have they got left to pay up? i sent off a copy of the charges this morning ist class recorded.

 

Cheers for any help

Mike

[boXXer]

anyone?

[livelylad]

ok, sounds good to me. i have an urgent question though! claim was defended i think yesterday. So should i get the allocation questionaire soon then? and how long have they got left to pay up? i sent off a copy of the charges this morning ist class recorded.

 

Cheers for any help

Mike

 

Hi you will recieve the AQ in a couple of days. Your guess is as good as mine as to when they will pay up. You need to start to prepare your court bundle. It is always good to be prepared.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

[boXXer]

hiya. Thanks for your reply. What is the court bundle all about? i just thought when the solicitors ask for a copy of the charges, they had 2 weeks to pay up, or it was forced on them to pay.

 

Thanks a lot for your help.

 

Mike

[livelylad]

hiya. Thanks for your reply. What is the court bundle all about? i just thought when the solicitors ask for a copy of the charges, they had 2 weeks to pay up, or it was forced on them to pay.

 

Thanks a lot for your help.

 

Mike

 

No not at all, you have to be prepared to go to court. The chances are almost none in fact i will bet my wages you wont see the inside of a court but you need to be prepared. They will complete their AQ and send it back, You will then get a court date. The will prob offer you 50%, Hold out for the full amount.

[boXXer]

excellent advice. So when they go for a date for court, is this when i need to send out the zip you have just put up? ive added to your rep.

[livelylad]

excellent advice. So when they go for a date for court, is this when i need to send out the zip you have just put up?

 

yes you will need to submit a court bundle 14 days before the court date.

[lateralus]

let's don't get too far ahead of ourselves here - just to keep it in perspective, next you will get from the court 3 things (probably in a day or two if they just defended) 1) change of court to your local court, 2) a copy of their defense - which will read like every other one we've seen and 3) your a.q. on the a.q. will be a deadline to file it - at the new court in charge of your case - it will be their deadline too to file their a.q.

this is what i don't want you to misinterpret - the deadline is for filing the a.q. and according to what is filed - the court will look at it and decide which track (usually small claims) it need to go down. after the a.q. is filed - a court date would be set and it would be well into jan. or even feb. or longer if the a.q. is just going in in dec. that is good! because all this time it isn't actually going to court is time you and dg have to settle.

i just don't want anyone thinking "oh, no, a.q.= going to court - get out the suit. we aren't there and hopefully won't get there! get it?

my view on the a.q. is it should not be filed until just before the deadline - and the time between should be used to get in touch with dg and press for settlement - by stating that your a.q. is due to go in shortly -you know they wouldn't want to incur even more charges, blah,blah, whatever - look for a reason to get in touch - like did they receive your breakdown of charges? apparently, according to babs on her thread today, debbie d. is out of the office for a couple of days - so wait til your court stuff comes through and find out your a.q. deadline then give them a call, email, fax or write or all of the above. anybody disagree?