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    • have you proved at what house was it left outside of & stolen from ...yours or the neighbours? the fact it was for a warranty return means nothing. neither does it that the repairer/retailer have special instructions with DPD for them not to leave a parcel outside unless specified by a customer ..you might have overruled them with your instructions on the DPD website, you stated, neighbour/safe space?? if it was left outside your door, which you appear to indicate RE: i can't see you winning this...you created your own problem with what you put on the DPD website?    
    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
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Clarification on charges


Damon999
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I don't know. I got that from the FAQ's so I'd of thought it would be right unless there's been a small error

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=243

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Just done a google and it does look like it should be section 69.

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Well, after some deliberation, I sent the letter a couple of days ago and we'll see what happens from here. I suspect they will not pay up any of the amount and I will have to file for court proceedings. Wether they'll pay the full amount then or it will end up in court is anyone's guess but it'll be interesting none the less :)

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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  • 2 weeks later...

Well, I received a reply rom Phil Beamont whilst on holiday. Unfortunately, it was the exact duplicate of a letter I received before my initial letter before action so not much time has gone into it lol.

 

Anyway, I have received no payment of any sort, so I will now pursue court action for the full outstanding amount, plus the 8% interest. Wonder if they'll let this one go all the way lol.

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Ok, I have filled in the Moneyclaim form. Annoyingly, I spent ages typing the particulars of claim and then clicked next and it came up with an error as it had been over 30 minutes and wiped it all so I had to start again.

 

Here are my particulars, is there anything I should change before coughing up £120

I had an account,******* with HSBC Plc until

26 Jan 2005, during which HSBC Plc debited

several charges from my account in relation

to purported breaches of contract and also

interest on these charges. I contend that

these charges are punitive in nature, are not

a genuine estimate of, and exceed, costs

incurred by HSBC Plc in respect of any

breaches of contract on my part, and are not

intended to represent or relate to any

alleged actual loss, but instead are applied

with a view to profit. As the charges were

applied under contract, they are contrary to

Unfair (Contracts) Terms Act 1977, the Unfair

Terms in Consumer Contracts Regulations 1999

and common law. I request repayment of these

charges and the interest applied on them

which total £1129.56. I also seek

reimbursement of court costs and claim

interest under s.69 of the County Courts Act

1984 at the rate of 8% a year from 3 Feb 2002

to 11 June 2006 of £249.85 and also interest

at the same rate up to the date of judgment

or earlier payment at a daily rate of £0.25.

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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seems fine in the wording, one thing though are you sure your daily interest is correct?

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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I think it is. I looked at other posts to find out how to calculate it.

 

I did 1129.56 * 0.00022

 

Is that right?

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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I have now completed my court claim and will now await the response, if any, from HSBC. I have PM'd BankFodder with the details. Fingers crossed.

 

Thanks for all who have helped me so far.

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Claim is deemed to be served on the 17th June.

 

1st of July is Judgment day

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Well, the lovely people at HSBC acknowledged the claim yesterday (15/06/06), presumably trying to drag it out for some reason (maybe in hope of their solicitors having a breakthrough lol).

 

Anyway, as the claim was deemed to be served tomorrow, do they have 28 days from tomorrow or from when they acknowledged the claim?

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Thanks but what do you mean by the notified service date, is that the date it's deemed served, ie. tomorrow?

 

The reason I said they must be dragging it out is because they now have 28 days to respond instead of the 14 they would have had if they had either ignored it or sent in their defence:D

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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Noooo - you're confused. ;)

 

They have 14 days to acknowledge the claim. If they do so, that's extended to 28 days for them to file a defence. They can't just file a defence without acknowledging the claim first. :)

 

But anywayz up - they often settle before the defence goes in... so you're not that far off now. I haven't even had an acknowledgement yet and I have the same service date as you :p

 

Yes - it's tomorrow they get their 28 days from.

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I've only just caught up with this thread, so apologies for being late to the party.

 

I hope you calculated the interest correctly, or this could get very interesting (if you pardon the pun).

 

The 18% interest rate is annual, so let's say a £100 charge puts you £100 over your limit (for the sake of argument) and you stay there for 10 days.

 

The 18% unauthorised interest on the unlawful charge would therefore be:

 

£100 * 0.18 = £18 / 360 days in a year = 5p per day x 10 days = 50p.

 

Unless you were over your overdraft by £1000 for a complete 365 days in a year, and this was all charges, there's no way you could be charged £200 in interest on these charges.

 

I'm pretty sure this is correct - the interest on a £5000 credit card balance for a month at 18% is only £75

 

GG.

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StoneLaughter, thanks for clarifying that. I confuse easily lol.

 

GriffinGrumbler, welcome to the party. To the best of my knowledge, I have calculated the interest correctly. The account was in overdraft the majority of the time, hence the large amount of interest. I did check my calculations against their monthly interest on the total overdraft and they did seem quite accurate. I even played it on the safe side, so I think that if they dispute it and calculate it themselves, it would actually be a few pounds more lol.

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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GriffinGrumbler, I have just checked my calculations and they are as per your post :D

 

Thanks for clarifying it

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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:D :D :D :D :D

 

I have received a letter from DG Solicitors today offering £1499.41 (full amount plus interest and court fee) with the usual crap about they think they would win but can't be bothered (yeah right).

 

Anyway, success thanks to this forum (donation to follow on receipt of funds).

 

Two more questions, can I cross out the 'keep it confidential' bit and still get the money and what do I do about cancelling the court claim?

 

Thanks for your help everyone:D

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

Link to post
Share on other sites

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If you need to add something to this thread then

 

Please click the "Report " link

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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