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Lisa v HSBC ***SETTLED IN FULL***


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Well, my partner has decided to hold out and wait for the full amount, accepting their offer as partial payment only. :)

 

So, my plan is to write back to Colin, (who made the offer) explaining that i will be accepting as partial payment only and will settle in full and final when the remaining £350 has also been paid.

However, I have a couple of questions:

 

1) A charge of £45 is due to be applied on the account tomorrow. Can I add this charge on to the schedule and explain in the letter that I would also like this returned?

 

2) I received confirmation from the Court (today) explaining that the claim was deemed served on 6/12/06 and HSBC had until 20/12/06 to reply. However, I called the court on Monday as I hasn't heard anything and I was told HSBC had acknowledged on 8/12/06. (The letter was dated the 11th)!!! I know that's quite confusing but I'm not sure whether they've acknowledged now or not!!!!

 

Last question you'll be glad to know!!!

 

3) The Court letter has the 'Request for Judgement' section which I need to fill in and return. Now, as I am going to be writing to Colin re: his offer, do I need to return the request for judgement? (If I do, what do I need to put?)

 

 

Sorry that this is so long winded.....I just really want to be as accurate as possible.

 

I would greatly appreciate any guidance/advice.

 

Thank you,

 

Lisa x

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Just to add to what Michael has said Lisa, this offer letter you have received is not in response to your court claim - it will have been in response to your prelim or LBA if its from Colin. Thats why it doesn't include court costs. Hold out and you will be hearing from DG solciitors in due course who are handling the claims once they've gone to court.

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I'm posting a reply to Colin Langdale today :)

 

Basically saying what Michael suggested in a previous post.

 

Even though I read people's success stories on here every day, I still can't help feeling quite anxious now!

 

Oh well, fingers crossed!!!!

 

Lisa x

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I feel exactly the same Lisa so don't worry. After submitting my MCOL last night (after hours of trying to fit it on to 24 lines) and paying my court fees, I have received a partial offer in the post this morning!!

 

I too am tempted just to accept this offer but since my LBA letter I have incurred more charges of £125 plus court fees now of £120 so that alone is worth fighting for. It would be nice to get the money over Christmas too but I want it ALL!!!

 

My friends are telling me to quit now whilst I'm ahead so I need some encouragement to go for the whole hog. Will I be the one they decide to take all the way?

 

We must follow each others claim as we are so close now.

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I definitely agree Slouhart we'll have to keep an eye on each others progress.

 

The way I see it is that my partner is still owed £400. If when I started looking into this i found that the total amount of charges was £400 - I would have still gone through the process to get it back. So why now, when they are offering £400 short of what I've asked for should I settle??

 

It's a good offer but it's just not good enough. If my partner were to get the full amount he'd be less than £200 short of completely clearing his dreaded Credit Card bill....this is what's making him hold out.

 

I'm glad my partner's decided to hold out and wait and hopefully we'll get back what's rightfully his :)

 

Let me know what you decide to do Slouhart.

 

Good luck and fingers crossed!!!

 

Lisa x

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Yes I know. I'm at work too!

 

I have just posted my letter to Colin Langdale refusing his offer and confirming my intention to go ahead for the full amount. If I accepted now I would be nearly £1000 down after interest has been added and that's our holiday next year paid for!!! (wish it would cover my credit card!!)

 

So I am going the whole hog too.

 

Drafting out letters for my husbands account now too as he didn't think it was possible so we might just dig out our old accounts too. Every penny counts!!

 

Will keep you posted. Good luck.:)

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I posted the letter to Colin this afternoon :)

 

I also received the acknowledgement of claim from the court in writing too.

 

I was wondering, do I need to send a breakdown of charges to DG now or do I wait for them to request it?

 

Cheers x

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Cheers Michael.

 

I'm going to post my schedule of charges to them today.(Recorded delivery).

 

Guess I just sit back and wait now.

 

*waits* *waits*

 

Bored of waiting now!!!!!! Suppose I should do some work really :rolleyes:

 

I'll keep you all updated!

 

Lisa 8-)

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Phew, I'm glad it's not just me.

 

I recieved an offer yesterday from HSBC, but had already served notice on them through MCOL. I was a bit confused as to what to do.

 

I shall now send my no thanks letter to Colin and let the courts decide. They have until the 30th.

 

Lets all go for them!

 

By the way, my Husband has started hic claim against RBS and in the New Year we will go after the joint account.:D

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Nope you're not alone!

 

Has your claim been acknowledged by HSBC?

 

The advice I was given was to send charge schedule to DG Solicitors as soon as you receive confirmation of acknowledgement of claim.

 

Mine's going today :)

 

Can't believe how exciting it all is!! It's not even my money I'm reclaiming lol!!

 

Lisa :D

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This waiting game is starting to make me antsy!!!

 

I've got a throat infection now too, obviously this is also HSBC's fault which is why I'm posting here :rolleyes: ......ok not really lol.

 

I thought what better way to cheer myself up than to read of other people's success stories?! I've been reading through loads of posts with people giving the same advice, 'send your charge schedule to DG Solicitors as soon as you receive confirmation that your claim has been acknowledged'. I did this and although I sent it recorded delivery and it's been signed for, the acknowledgement of claim didn't have a particular person's name on from DG......does this matter?? I just addressed it to 'DG Solicitors'.

 

Anyone???

 

Cheers :D xx

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This waiting game is starting to make me antsy!!!

 

I've got a throat infection now too, obviously this is also HSBC's fault which is why I'm posting here :rolleyes: ......ok not really lol.

 

I thought what better way to cheer myself up than to read of other people's success stories?! I've been reading through loads of posts with people giving the same advice, 'send your charge schedule to DG Solicitors as soon as you receive confirmation that your claim has been acknowledged'. I did this and although I sent it recorded delivery and it's been signed for, the acknowledgement of claim didn't have a particular person's name on from DG......does this matter?? I just addressed it to 'DG Solicitors'.

 

Anyone???

 

Cheers :D xx

 

No they will pass it to the relevant person, and you have a signature to prove they recieved it.

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Excuse my ignorance, I am just going through the MCOL stages as we speak. The claim was acknowledged on 15/12/06. It is a claim on Barclays. Is it the same 'DG solicitors'???

 

Sorry if Im being dim LOL :)

Barclays :- Settled March 07:o

 

RBS:- Acct Discharged May 07 :o (chase for more and CRA deletion???):confused:

Barclaycard: - CCA recieved 24/1/07. WOW! :o (GITS!!!) :-|

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dg solicitors is hsbc "in-house" legal team, so, no, lloyds will use different solicitors - we start talking about the dg people like we know them - just throwing out names we've seen and sometimes dealt with Debs, Alan and Rachael are current favs. I'm sure the Barc. group have their own talk about the solicit. from theirs. good claiming to you!

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  • 2 weeks later...

Hi Guys,

First I'd just like to say Happy New Year to you all!!

 

Just a quick update.....'nothing's happened'...see I said it was quick :razz: !!!!

 

They've got until the 5th to file their defense so right now I'm just waiting, I guess the AQ will turn up soon :rolleyes:

 

They acknowledged on the 8/12/06 so am i right in saying they have until the 5th? or is it the 4th?

 

Anyway, it's this week.

 

I'll keep ya posted.

 

Lisa :)

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Hi Guys,

I called the court today to check on progress and a defense was entered on 29/12/06. The bloke I spoke to said it goes to the district judge then it comes back to the court and they proceed with it from there.

 

Just waiting for that Allocation Questionnaire any day now.....

 

Just wanted to say cheers for all the support and advice up to this point. I know I would be very nervous by now if it wasn't for you lot :D

 

Lisa

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