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Skinch77 Vs HSBC


skinch77
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Hi everyone,

 

Sent preliminary letter yesterday to HSBC Canada House London recorded delivery with claim for £1755.00 after spending ages reading the FAQ's then checking and double checking to make sure I was doing it right. Have checked the letter was delivered today so will just count down the 14 days until LBA....Am a little nervous about the whole thing and I know I will be VERY nervous if it has to go all the way to court but am very determined to claim what is mine back....

 

Thanks

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Hi and welcome,

 

well you've done the right thing by reading up, it helps with the nerves beleive me!

 

Keep us posted of your progress.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. 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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  • 2 weeks later...

Well HSBC received my preliminary letter on the 4th October and I heard nothing...not a peep...waited for the postman today but still nothing so as the 14 days are up I have now sent my LBA to HSBC. Will be reading up tonight on the Court stuff in case it goes all the way...will keep you updated.:)

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Good luck! And let us know how you get on - I'm due to send my LBA next Monday (Claiming for £1,740) so I'm not far behind you!

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Good luck mate. Sent off my LBA today, to both the canada square address, and the lower street address, just in case. ;)

 

Mike

HSBC Prelim letter sent 3/10/06 1st class recorded, a BIT scared!

HSBC LBA letter sent 18/10/06 1st class recorded. Bit more scared now!

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  • 3 weeks later...

Hi,

 

Not heard a thing from HSBC and the 14 days from them receiving the LBA were up yesterday. Onto the next stage....court claim...eek...

 

Small problem in the fact that I would ideally like to have filed the MCOL online asap but because I am exempt from court fees (which is good in a way) I must fill in the exemption form and file manually at my local county court. I have a day off from work on Thursday of this week for a hospital appointment so I can do it then..hopefully this will not matter, just means I get the money a bit later than if filed online.

 

Am I correct in thinking that I fill out the forms using the templates provided here and then print off the relevant amount of copies (2 for the court, 3 if I want one returned with a seal) and include the schedule of charges with 8% interest and then present all this at the court when I go to file the claim on Thursday? I was a little confused and just thought that I may need to go to the court and get the paperwork from them and fill it all in at home and then go back to the court with it at a later date....

 

I think the fact I have to go the court itself is getting me a little scared and confused...

 

Any help much appreciated..

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hi skinch, you've got it right - print off enough copies in advance (remembering that you can't save them) and present them at the court with attachments.

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Thanks for the reply BUT have just had a call from my wife advising me that the HSBC have sent me a very official letter ...told her to open it and they have offered me £1491.00 whilst not accepting liability and quoting the fact that the charges are not illegal and if it went to court they would fight them and think they would win etc...(sorry not got the exact wording). Sounds like the usual fob off letter. Now do I still go to court....I say YES....wife is not so sure...I do want the full amount with 8% interest as this is my money but the carrot dangled by HSBC is very temptimg this time of year.....

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yep standard fob off. tempting and up to you but they've not offered to give it all back plus you would now get 8% on top if you start the court claim. there is a template letter to respond, which says thanks but no thanks, unless you want to pay it as part settlement, but I think you will find they'll withdraw this offer and then the solicitors pick up the full claim.

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Cheers bong,

 

As the letter from HSBC arrived after expiry of the LBA then I understand I don't need to send a letter saying thanks but no thanks and can just continue with the claim as they have effectively denied my claim and I would only be extending the timescales...obviously the claim will be for full amount plus 8% which will be £1755.00 + £140.40 = £1895.40 (please let me know if I have got this wrong)....comparing this to the £1491.00 they have just offered me my mind is pretty much made up and I am just going to continue with the court claim as normal... an extra £404.40 is there with my name on it...

 

Thanks again...

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is it strange that ive heard NOTHING at all from HSBC? some people do, some people dont. :S

HSBC Prelim letter sent 3/10/06 1st class recorded, a BIT scared!

HSBC LBA letter sent 18/10/06 1st class recorded. Bit more scared now!

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I wa thinking the same thing as you boXXer... Until today I had heard nothing from HSBC...no response to Prelim letter and no response to LBA so was just about to start MCOL when got a response...methinks they are a touch busy at the moment with all the claims :)

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OK so worked out that I was not exempt from court fees (I earned more than I realised last year according to my P60 :) ) have managed to get money together and have filed MCOL today...do not think it will be processed until Monday but I wouldn't have got any peace and quiet over the weekend to do it so today was best...just a case of sitting and waiting now....my hands were actually shaking when typing out the MCOL ...all done now though...

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Hello mate. I filed my MCOL last night, so we are at the same stage! let me know how it goes. GOOD LUCK!!!

HSBC Prelim letter sent 3/10/06 1st class recorded, a BIT scared!

HSBC LBA letter sent 18/10/06 1st class recorded. Bit more scared now!

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  • 5 weeks later...

Hi all,

 

Well HSBC acknowledged very shortly after I filed my MCOL....and on Friday I received a letter from DG solicitors requesting a breakdown of charges. I was getting worried as I thought an AQ may arrive first...Anyway I am sending my breakdown of charges by fax tomorrow with a covering letter and also by Royal Mail recorded delivery...is this necessary or will the fax copy followed by a call to the contact mentioned on the letter from DG to make sure they have got it be enough? Also am I correct in thinking that the breakdown of charges I send to DG must include the 8% interest as HSBC have never received this set of charges as it could not be added to the MCOL and I have not received an AQ yet?

 

Cheers for any help.

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Have received AQ today from court but have also spoken to DG solicitors who said there is an offer in the post and I should receive that tomorrow. Am putting off sending back AQ hoping that the offer is for full amount when it arrives. Postman never gets to mine until 10.30am and am thinking of going out early to look for him....:)

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babs had an offer today and it was a full offer - hopefully your will be one too, but if it is a partial offer - just remember you are only one letter and one week from a full offer, i think you are practically there! good luck for a full offer manana.

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as my thread mate, good luck as im in pretty much the same area as you are. :)

HSBC Prelim letter sent 3/10/06 1st class recorded, a BIT scared!

HSBC LBA letter sent 18/10/06 1st class recorded. Bit more scared now!

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