jodyperry v HSBC

[jodyperry]

Hi

 

just another note. I'm getting kids of worried they only have 6 days to reply before i do my mcol and I havn't heard a thing. By looking around it looks like its norma to hear something by this stage even if its the standard 'we are right you are wrong' letter. Has anyone else got to this stage with no corresponcence whatsoever?? Also i'm a bit worried at having to stand up in court and not know what I'm talking about I've got my head screwed on and have researched this site a lot but i'm no solicitor has anyone had to stand up in court and lost??

[jodyperry]

ANYBODY??? Really worried about this lack of reply

[goonertw]

im lost - how do i post to every1 asking for help? :-|

[rulzi]

Hi Goonertw

 

If you want to see the letters I wrote do a search for my forum - Rulzi vs. HSBC - the story so far. I got my money back within 3 weeks of sending my first letter - I have put copies on my thread.

 

If you can't find it try this link;

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/27367-rulzi-hsbc-story-so.html?highlight=rulzi

[jodyperry]

getting quite worried about the lack of contact i hope i havn't done anything wrong??

[jodyperry]

I am getting a bit worried. I have to do my MCOL on tuesday and I havn't had ANY sort of contact from the bank. From what i read it is normal for them to have written to you with their standard you signed an aggreement letter by now but i've had nothing and I'm starting to panic that I've done something wrong?

[stephenfletcher]

I think they're a bit busy at the moment.

 

Worry not.

[Don1]

I wouldnt worry at all, I filed my MCOL on Monday 25th september, having had no replys from any letters i sent!! I think they are inundated at the moment! Then yesterday i received a letter dated 25th September saying they didnt agree with having to refund the charges etc.......As they are laid out in their

T & Cs ........ Too late MCOL already filed with 8% charges!!! Good Luck:D

[jodyperry]

Thanks I'm glad its not just me. I was getting worried because i made the mistake of only giving them 7 days in my prelim letter and sending statements wiith charges highlighted rather than the spreadsheet, as I hadn't come across this site by then. I also sent 2 seperate letters for each account on my 1st approach but made sure my LBA was for both accounts. I am glad in a way that they havn't responded because the £700 in interest alone will be quite nice:D . Just worried cause i dont want to cock up my charges!

[jodyperry]

2 days to go before MCOL I havn't heard a thing and to be honest that extra interest money is looking very appealing!! lol

[jodyperry]

I have to submit my claim to MCOL tomorrow. At no point in any of the 1st letters did I add any contractual interest. Can I do this at the court stage if i havn't included it before or do i just stick with the 8%

[jodyperry]

Hi

 

i need to file my mcol today and in my letters to the bank I have not claimed any of the interest on my overdraft. Can i still claim this at this point or can i only claim the 8% here?

[jodyperry]

hi

 

my claim is showing as issued today does this mean that they have 14 days from today to answer the courts?

[Guest bong]

hi - you will get a letter from the court in the next day or so which will tell you when the 14 days starts to run. It's usually 2-3 days after the date of issue to allow for postal delay.

[Guest bong]

sorry forgot to ask - did you include the overdraft interest in the end?

[stephenfletcher]

I think overdraft interest can only be included if the overdraft was only due to unlawful charges. For most, these can be difficult to calculate and probably not worth the hassle.

 

You can however charge interest on the fees themselves at either 8% or the contract rate - which is more like 25%. I have gone for 8% but amounts involved are relatively small.

[Guest bong]

I think overdraft interest can only be included if the overdraft was only due to unlawful charges. For most, these can be difficult to calculate and probably not worth the hassle.

 

you're right about it being overdraft caused by the charges but there is a spreadsheet in the library that does the calculations for you so it's not too hard. It was only the fact that jodyperry hadn't asked for it back in her/his letters.

[trickypickle]

BONG

 

Sorry quick question; !

 

Have you had more than one CC with say barclaycard or HSBC ??

 

I have won bank Charges Vs Halifax and am now sorting myself out for Credit Cards ! so was just checking when you have requested statements will you get ALL or just for one card at a time ??

[Guest bong]

trickypickle - I haven't had more than one card with the same company but would have thought it wouldn't make much difference whether you send one letter covering both accounts or two separate letters.

 

You should start your own thread for this.

[jodyperry]

i added interest not just 8% of it all but the interest that was on the basic spreadsheet is this right?

[traceyrmj]

ionterest on the charges you are now disputing is worth claiming, especially if you are perpetually in overdraft like i am, on a £400 claim it was £60 for hsbc and on £1200 at woolwick it was £150 :o not sure you can add it after the MCOL has been issued tho, dont see why you couldnt add it at that stage. show the kjudge you were willing to accept just the principal amount but as they messed around with you you are going for all of it

[jodyperry]

PLEASE PLEASE help i'm really scared now cause ive cocked my spreadsheet up and the amount at the end when i looked at it just before filing my MCOL was different somehow to the amount on my LBA. I dont know if one of the kids has messed about with it? so when i filed the MCOL i did it for the amount on the lba but now i've got to redo the spreadsheet and hope it all adds up:sad: If for some reason I'm not getting the same amounts is this likely to rubbish my whole claim??

[Sarahp]

Don't worry it won't matter. I had a different amount on my LBA than my spreadsheet and sent them both off in the same envelope. Shouldve change it but knew I would get to court stage anyway so didnt. I also included an amount unknowingly that had been refunded by the bank so the total didnt match anyway. I receive my cheque within the next few days so it obviously didnt affect it. If you have had contact from D G then just ring them and advise them of the amount it really is - they are very nice to talk to actually. Otherwise if it isnt served yet then just advise the court and they will change it.

Sarah

[jodyperry]

it says issued does that mean it has been served already?

[Sarahp]

Hi again

Think issued means they have sent it to them but they havent necessarily recieved it yet. Think maybe it is classed as served a few days later. May be too late to alter it. I would speak to DG once they acknowladge it. Unless someone else can come up with some advice???

Sarah