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Sexy_Em vs HSBC


Sexy_Em
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  • 2 weeks later...
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Right. Confirmation from NatWest this mornin that I def hav an account set up. Bingo!!

 

My original letter saying I would get my statements was from Ian Shepherd, Centre Manager from Coventry...should I address my prelim letter to him?!

 

excited!!!

 

x

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  • 2 weeks later...

Hi Em,

 

Time to send your LBA (letter before action) look in the templates section if you need any help in wording etc, although there are plenty of examples in the threads also.

Send that off (recorded of course) and wait another 14 days !!

 

Patience is required in large size for this game, but you WILL get you money back if you persevere !!

 

Steve.

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Thanks for that Steve. I was gettin myself all panicked for no reason lol.

 

I have written my LBA, and hav written a paragraph about how they owe me an extra £75 since the original letter, meanin they now owe me £371. excellent!

 

Off to PO now!!

 

x

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Hi Sexy_em,

 

(Ihave to chuckle at your name- makes me go all goose bumps :o )

 

Yep, told you, you was worrying for nowt good reason, we're all in it together - good luck btw

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi sexy_em,

 

See, I told you . . . you were worrying all for nothing . . . we are all in this together. . . . so all (all) we have to do is wait - wait - wait now

 

I hate waiting, it drives me nuts !!

 

Steve x

  • Haha 1

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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  • 2 weeks later...

I'm in a bit of a pickle. I never managed to get my LBA to the post office last Monday because I was in a bad car accident on the way. Rubbish!

 

I managed to get it sent recorded delivery last Thursday, which already meant I was behind schedule. However, this has not yet been received!

 

The 14 days given in my LBA finishes next Monday (18th Dec).

 

So what do I do?!

 

Write them another letter giving them an extra 14 days, or write to them telling them have 14 days from a back date?!

 

oh god Im so pickled!!

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Hi Em,

"panic not . . . fair maiden" !!

 

If your LBA 14 day deadline finishes next Monday the next setp is to issue your MCOL (claim through the court) this will incur a cost to you, it varies dependent on the value of your claim up to a max of £120.

You add this sum to your total claim (so u get it back) you also need to calculate and add interest at the rate of 8%

There is lots of help in teh FAQ and Library sections in here and there is a excel spreadsheet that will help with the calculations

 

If you get stuck, come back and we'll see if we can help (someone will)

 

Steve

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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I'm in a bit of a pickle. I never managed to get my LBA to the post office last Monday because I was in a bad car accident on the way. Rubbish!

 

 

 

Are you ok?

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Sorry Em,

 

I didn't spot that - I take it (and hope) no one was hurt !!!

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Are you ok?

 

I'm alright thanks :)

I actually drove into a skip that had no lights on it (it was dark lol) so this isnt my only claim atm!! lol. Im just bruised and whiplashed! :rolleyes:

 

 

 

If your LBA 14 day deadline finishes next Monday the next setp is to issue your MCOL

 

can I do that even though they havent received my lba?!

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Umm, sorry, I thought you had issued your LBA, no don't issue the MCOL yet, there is a risk the court could argue you have not acted reasonibly, you need to issue your LBA this and give 14 days . . .

 

Sorry, you have it seems lost a few days, but no matter you'll soon be back on track !!

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Sexy (lol)

 

I would say you need to send again recorded delivery obviously !!! as far as the 14 days . . . it looks like you may have to start the clock again - which is a pity !!

 

(unless anyone else thinks different ?? )

 

Steve

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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looks like its jus me and u steve lol.

 

i will resend it and re-give the 14 days (but explain to them that I have done so so they think im being nice lol)

 

after all, I could do withthe 14 days ending after xmas anyway, with the mcol being £100 or so!!!

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Hi Sexyem,

 

LOL I'm NOT complaining !! (wondering how 'sexy' em actually is ;) ) LOL

 

No post for me today - getting fed up with this game now, want to play something else now !!!!!

 

I know what you mean about the court costs, I've got to stump up another £100 for my AQ now unless DG contact in the next 7 days grrrrrr

 

Steve.

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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how are you gettin on with your claim now? I couldnt find a thread for you?!

 

Letter was finally received by HSBC yesterday. so roll on 4th Jan!!

 

hope I dont have to exclude bank holidays from my 2 weeks!!

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Hi Em,

 

Link to my own thread :- http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38368-steve_n-hsbc.html

 

It's all there, I have actually concluded my claim, literally this week :D

 

Had a letter on Mon offering a full settlement, accepted and money in the bank (not HSBC) yesterday !!! - Yippee

 

I may actually enjoy xmas this year !!!

 

As far as BH's I know the courts close for public hols, I think you may have to, or it could be argued that your being unreasonible (if it ever got to court) !!!

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Well done on finishing your claim!!

Cant wait til i get to that point!

 

The 14 days includes weekends doesnt it? Oh never mind, I'll worry about that when I get there, hopefully I wont lol.

 

Merry Christmas Steve!!

 

Em

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Hi Em,

 

Yep, you count all days (exc bank hols) so your clock is a ticking fast

 

And a VERY Merry Christmas to you too xx

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Hi Em

I've just completed my claim against HSBC as well, so if I can be of any help to you, feel free to ask.

HSBC do take a long time to reply unfortunately, so it's just a case of waiting.

I hope you hear from them soon!!

:-)

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I think matters are made worse because it's unfortunately (depending on your point of view) Xmas - hols, staff away etc

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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God, I'm confused. I think HSBC are trying to pull some delaying tactics with me....

 

Received the following in the post this morning from a different person that I received my original letter from!:

 

"Dear Sexy_Em

 

Thank you for your letter dated 16th November 2006 concerning your request for a refund of bank charges. I apologise for not yet having fully completed my investigation.

 

I will contact you again by 15th January 2007 and expect to be able to provide you with a full response at that time.

 

In the meantime, I would like to thank you for your patience and enclose a copy of our leaflet which explains how these matters are dealt with. If you need to contact us, please quote the above reference number.

 

 

 

Colin Langdale"

 

 

Now my prelim was sent 16th Nov, received on 20th, and so this reply should have come thru before 4th Dec - but is dated 27th dec.

 

LBA sent of 4th Nov, but never received and so re sent on 15th dec and received on 22nd. These were both sent to Ian Shepherd - who sent me the original letter with my statements.

 

should I send this colin bloke a letter explaining that I have already sent 2 letters, and that I require a response by 4th Jan? (well, 7th Jan allowing 3 days for BH's?!)

 

?????????????!!!!!????????????????????

 

I think yes. the more people I can get involved, investigating, and annoyed (lol) the better.

 

wat u think?!

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