dreaddan V HSBC **WON**

[dreaddan]

Hi, I've finally receved almost all of my statments from HSBC. Only got jul06 to the request date to come.

 

If I should expect anything else, IE what does the SAR acually request?

 

I'll be sending the perlim later this week.

 

Thanks

Dan

[Kazzy77]

the sar requests all statements and paperwork they hold about you inclusing any "manual intervention". that is basically any notes/emails etc. they tend to only send the statements but thats fine, thats all u need to start your claim!

[dreaddan]

Thats ok then , I wanted to check as I want to send everything off tomorrow.

If only it was easy a MBNA.

 

Cheers

Dan

[dreaddan]

does any one know if you can close the hsbc over the phone rather than going to a branch?

[livelylad]

does any one know if you can close the hsbc over the phone rather than going to a branch?

 

Explain please?

[dreaddan]

doh - I mean can you close a hsbc account over the phone?

We nolonger need our hsbc account - we havnt used it for a year.

Our local branch is closed for a referb, the next nearest closes at 3pm during the week (why 3pm!) . So unless we try to go on a saterday (were not here for the next 3 saterdays) the only way to do it is over the phone.

[livelylad]

doh - I mean can you close a hsbc account over the phone?

We nolonger need our hsbc account - we havnt used it for a year.

Our local branch is closed for a referb, the next nearest closes at 3pm during the week (why 3pm!) . So unless we try to go on a saterday (were not here for the next 3 saterdays) the only way to do it is over the phone.

 

The best way is to write to them.

[dreaddan]

Right well there's 14days is now up - time to send there LBA.

Hopefully I'll get my money before xmas

[dreaddan]

HSBC have 'reviwed' our account and has removed our overdraft facility!

Letter will be in the post today!

[dreaddan]

Well there 14 days are up for there LBA, with not a peep from them.

Will be filing tonight once Ive found the text for accounts opened before 95.

 

Dan

[dreaddan]

Coudnt find what I was after but I dout it will matter.

Have sent the MCOL going )(

Hopefully I havnt messed up... Now to find out if I need to send copys of charges.

 

1. The Claimant has an account with the Defendant, opened 2. Since the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of ; (b) Interest per S.69 County Courts Act 1984 of 8% a year from to 5/12/06 of continuing at 8% until judgment or settlement at a daily rate of £0.11; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

[dreaddan]

Question, which value do I need to enter for amount clamed?

Before or after intrest?

Edit: I relised I'd miss typed

[dreaddan]

pap, I've messed up it's including

[Guest bong]

can you explain a bit more? what amount did you put in?

[dreaddan]

The value I put is was for just the charges and not for the intrest upto the clame date

 

Ie, 300 in charges and 100 in 8% intrest I put in 300.

 

dan

[lateralus]

dan, i'm sure bong will be with you shortly (or you could always pm her) - i'm trying to follow what you are saying and i'll just put in one thought - if you are saying you already submitted yesterday on mcol and it is wrong - you can call them first thing this morning - details in the contact button on the mcol site and could cancel it - have your money returned and start again. if i've got this all wrong - ignore me and wait to see what bong or someone else says - just thought = timewise - i'd pass that along.

[dreaddan]

Thanks lateralus.

As you have worked out I have put a incorrect amount in the 'amount clamed' box.

Have called them up and put in for a widthdrall. Though I'm suprised you cannot change your clame before they have looked at it.

 

I have had to change the perticulars of clame to this as it now wont take what I origanaly put in

 

1. The Claimant has an account

with the Defendant, opened 2.

Since the Defendant debited

charges and interest in respect of

purported breaches of contract. 3.

Defendant is aware of all details as a list

of charges has already been supplied.

Another copy will be sent. 4. Claimant

contends: (a) The charges exceed the

Defendant's losses caused by the breaches;

(b) The Term permitting the Defendant to

levy such charges is unenforceable under

the Unfair Terms in Consumer Contracts

Regulations 1999, Unfair Contract Terms Act

1977 and at Common Law. 5. Claimant claims:

(a) return of the amounts debited of

; (b) Interest per S.69 County

Courts Act 1984 of 8% of continuing

at 8% until judgment or settlement at a daily

rate of £0.11; 6. Alternatively, if the

charges are a fee for a service, then they

must be reasonable under S.15 of the Supply

of Goods and Services Act 1982. 7. Costs

allowed by the Court.

[Guest bong]

looks ok, it doesn't follow the suggested wording strictly but the relevant info is in there. I can't see why it won't allow you to fit in the same wording you used before, ie with the dates.

[dreaddan]

Thanks, I only changed the bit about intrest as there's a popup about what you must include when claming intrest.

Im also supprised, I wish I'd just done it correctly last night.

 

Both clames have been passed for validation How long does it take for them to withdraw the old one?

 

Cheers

dan

[Guest bong]

I would have thought they should withdraw it same day

[dreaddan]

It's been withdrawn

[dreaddan]

Well Mines been issued now.

Does any one know If I need to send copys of the scedule of charges to the courght - i cant find anything about it.

 

 

cheers

dan

[lateralus]

i didn't, but several people have said yes, you should send 3 copies to the court be sure to add your claim number and when you received your acknowledgment from the court, send a copy to the person listed from dg who is dealing with your claim.

[Deller]

Yes you should now supply a copy of your schedule to the court.

[dreaddan]

I have sent 3 copys to the cc.

I have receved a offer or the charges in full but no intrest and fees.

The odd thing is this hasnt been sent by DG it's from the customner care team.

 

Dan