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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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Change of Terms&Conditions + terminology


Teejay80
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Hi All, I have just received a letter from HSBC stating that they are changing the terms and conditions of my account with them. The main point of this appears to be to change the overdraft facility and penalties/charges are now "set-up fees". I'll post the full letter, word for word in a sec, but just wondered if anybody else has got this, and what affect (if any) this has on our claims?

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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September 2006

Dear Mr.Harris

I am writing with your updated terms and conditions and price list, and I'd also like to tell you about some great improvements we've made to our Bank Account Plus.

I recommend that you take the time to carefully read through the terms and conditions. Please pay particular attention to the inside front cover, where the charges are summarised for you. All changes will take effect from 1st December 2006.

Revised Overdraft Service

I would like to draw your attention to clause 7 of section 2 in the terms and conditions relating to our Overdraft Service, which is an additional service to our current account. Our Overdraft Service is a way in which you can borrow money on your current account, and can be requested from us in two ways, either formally or informally.

A formal overdraft request is when you approach us in advance to set up an appropriate overdraft limit for a period of time up to 12 months. Before the overdraft limit expires, we will make contact regarding your ongoing requirements. So if you already have an existing overdraft limit, you do not need to take any action now, although of course, please do contact us if your needs change.

An informal request is where you do not contact us in advance, and debits (for example, cheques or ATM withdrawals) which you have issued are presented to us for payment and either there's not enough money in your account or your balance would exceed any existing formal overdraft limit. If we agree to your request the overdraft will be provided for 31 days. If another informal request is received within the same 31 day period, this will be treated as a new request.

Fair Fees Policy

Our Fair Fees Policy means that we will not charge any fees for agreeing either formal or informal overdraft requests unless they occur frequesntly.

* You will not have to pay for your first agreed overdraft request (formal or informal) in any 6 month period. Each further request in that period may incur an arrangement fee of £25.

* You will not have to pay fees for being overdrawn by £10 or less.

* You will not have to pay more in fees than you are overdrawn by in your charging month.

* You will not have to pay a fee for an informal overdraft request if your account is credited by the end of the same day.

For full details of our fair fees policy please refer to the enclosed Price List.

Many customers find our Overdraft Service invaluable. However, an overdraft is generally intended to cater for short-term borrowing. We will be increasingly contacting those customers who are making regular overdraft requests, to discuss their borrowing requirements and see if we can help further.

 

The letter then goes on to talk about the benefits of paying £9.95 per month for Bank Account Plus.

 

Yours Sincerely

Chris Pitt

Head of Customer Communication

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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coincedance that this arrived 3 days after sending request for repayment??

 

sceptical? me? never ;)

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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The 'new' charges are:

 

 

 

 

 

 

 

 

 

 

 

 

 

wait for it.....

 

 

 

 

 

 

 

 

 

 

 

 

 

you're gonna like this.....

 

 

 

 

 

 

 

 

 

 

 

 

 

 

exactly the same as before!!

 

1st overdraft request in 6 months - free

subsequent requests - £25

 

return fees up to £10 - no charge

up to £25 - £10 fee per item

above £25 - £25 fee per item

stopped cheque - £10 per cheque

representation of cheque - £15 per cheque

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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I got the same 'fair fees policy' letter too, its just another term for charges, if it looks like a dog and barks like a dog, bet your life it is a dog! When my claim is settled I'm going to respond to the letter and tell them that they are still charges and if I am charged again (but I don't really intend to go overdrawn after all this , though you never can tell), then I will take the same action as I am doing now.

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Guest NATTIE

I am looking into charges on HSBC at the moment so that does help a lot. Thanks for posting the wording of the letter

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I was thinking about that same think today Dlr.

 

Although I don't intend to go overdrawn again after this - it's bound to happen, and I have just realised that I am gonna get charges added this month too.

 

I wonder if I can add these to my current claim, or whether I should just do it again? I wouldn't want to make it easy for them by reducing their workload ;)

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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no problem natty - wish I was a quicker typer though :(

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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Guest NATTIE

Teejay- a HSBC claimer doing the thread may add credibility so maybe worth you posting on this one and I will see if we can confer on all charges so that they are as accurate as possible. What do you say? Have a look at the research thread and when we are clear then post it. I think it may well be clear by the weekend although I think we may have to do a lot of reading on the thread. Thanks in advance.

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sorry Nat, what you mean?? I'm happy to help in any way I can.

 

I have a nice little booklet that HSBC sent me called "Price List and Interest Rates" - it's like having a menu... I think I'll have the Stopped Cheque with a side order of copied statements please waiter!!

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

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At least HSBC seem to be moving in the right direction (charging fees that were many times the amount you went overdrawn was clearly indefensible anyway).

 

Lloyds TSB, I read this weekend, have just put all their charges UP and removed the buffer. 1p overdrawn means charges.

 

Either

a) Lloyds believe they have some way of defending these unlawful charges, or

b) It's some serious brinkmanship and they think people must believe they're lawful or they wouldn't be allowed to put they're charges up?

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Well it is a potential step in the right direction if you only go slighly over your OD limit. Of course if you go way over your stuffed for a while (atleast till you get those letters sent out)

Currently taking action against the HSBC for £2465

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