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    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
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    • The King is the second monarch to appear on Bank of England notes which will be fed gradually into the system.View the full article
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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sacha911vHSBC ***won***


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Hello,

I'm trying to find information about what I can claim from HSBC. I have received 6 years of bank statements but I'm not sure what charges are penalties and what are Overdraft charges, (the statements don't say either).

Do I claim the lot?? And what about the interest for the OD?

Does any one have any experience of this?

Thanks

:confused:

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Hi Sacha, welcome to the family.

 

Spend a couple of days reading the FAQs and the step-by-step guide in the library section. That will answer most of your questions.

 

Next, open your own thread in the HBSC forum and post any questions and progress reports there.

 

Click on this link for the HBSC FORUM...

 

 

Good luck with your claim.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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Hi Sacha,

 

If you had looked at your first post, just below this one, you would have seen that I HAVE ANSWERED that.

 

Please stick to one thread or else your postings will become disjointed and impossible to follow if advice is needed.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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hi,

Just received bank statements last week.

The problem is the statements don't tell what the charges are for!

For example one month I had interest charges of £6.85 as well as a listing for "Total charges" of £100. I have no way of knowing if those "total charges" include penalties, can I still claim them?

Other months I have charges listed as "Recall s/o-d/d". Is it safest to only claim for these?

S

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Claim for every charge!!

"Total charges" are EXTRA charges on top of those for recalled standing orders and direct debits etc...

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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I'm preparing a Prelim letter and currently filling out the spreadsheet provided by Vampiress but I'm a little confused about the interest to claim. Do I understand correctly that I should include contractual interest right from the very beginning with my Prelim letter?

What rate do I claim is it 8% or is that the statutory rate?

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I'm preparing a Prelim letter and currently filling out the spreadsheet provided by Vampiress but I'm a little confused about the interest to claim. Do I understand correctly that I should include contractual interest right from the very beginning with my Prelim letter?

What rate do I claim is it 8% or is that the statutory rate?

 

From what I have gathered from the site, contractual interest is hard to claim... and the 8% interest can only be charged when taking it to court - NOT before.

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Thanks to Cadencealex,

 

With regard to claiming interest on Overdrafts

From what I've read it's going to be very difficult to work out how much of the interest applied to my account each month was as a result of penalites. (as I have no way of knowing what my agreed Over draft was at the time.) I have therefore decided to kept it simple and go for just the provable penalities.

Does anyone disagreed with this?

911

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Good Luck!

Kingliam

:!:

 

On behalf of the Ginger one

Lloyds TSB - 1ST 12/07/06-LBA 26/07/06-MC-14/08/06-Court-31/01/2007

Halifax - D P A 02/10/06

On behalf of MumKing

Barclays Bank D P A 29/08/06

 

On behalf of DJ Sunny

Alliance & Leicester D P A 29/08/06

 

On behalf of GrandmaKing

GE Capital D P A 30/10/06

Barclays Bank D P A 30/10/06 - 1ST 15/11/06 *Microfiche [problem]

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Yep good luck with your claim

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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Story so far.

Received 6 months bank statements 18 october 2006, (they sent back my cheque for £10 saying "we are happy to cover the fees for the production of this information" - I'm so greatful !!!!)

 

Filled out the spreadsheet provided by CAG (very helpful thank you). I have calculated a total of £1994.50

I have not claimed for OD interest because it was too difficult to calculate and was a small fraction of the charges.

Just finished my Preliminary approach for repayment letter and will post recorded delivery tommorrow.

 

They have 14 days to respond.

Also requested statements from First Direct.

 

Wish me luck

s911

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  • 2 weeks later...

well, at the top of the hsbc forum is a sticky with a list of contact addresses. You can send stuff to your manager, but if you send it to the customer relations address it will be seen quicker (as the letter all end up in the same office anyway.... :D)

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  • 3 weeks later...

Its getting exciting now.

I've just submitted my MCOL!

Still not heard a peep from HSBC.

I'm a little confused about when and how I send a schedule, (I have already sent this with the Prelim letter and LBA), do I need to forward another paper copy now or wait to see if they defend?

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Hi Sacha,

 

Once you submit your MCOL it will be prudent to send a paper copy direct to the court (probably Northampton) with a brief covering letter along these lines:-

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act.

The interest in addition to the amount in charges equates to a total amount of my claim, namely £ (your claim amount)

I respectfully request that the enclosed schedule be attached to the particulars of my claim.

Once you receive the copy of your claim from the court, you wll 'officially' know that probably it's being handled by DG solicitors (HSBC's 'in house' legal team, you should then also send a paper copy of the same schedule direct to them, this time you can simply say "please find enc schedule"

remember to include the court reference (case No) and send both recorded delivery so you have proof.

Sorry for the bold text, it won't switch off !!

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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if i could just add a thought or two:

"amount of my claim, namely £xxxx.xx plus xxx. court cost. "

 

also, as you have just filed - you will shortly see on the mcol site - served. then shortly after that acknowledged.

 

the date you filed - add 5 days and that is the date it is deemed to have been served by the court. then add 14 days to that - they have until that date to acknowledge - usually they do that quite quickly and tick the box intend to defend fully these charges - this buys them another 14 days. you will receive from the court shortly - a notice of service, if(when) they acknowledge, you will receive a notice of acknowledgment. on the second page where they say they intend to defend, there will be a name and address for dg solicitors - send that person a copy of your breakdown (recorded again). the way things are running at the moment - you may not hear from dg until the 4th week of your claim - although, who knows how they decide - it could be much quicker.

it isn't uncommon to receive an offer just after you file your claim - but that would be from the bank and only about 80% of your claim before you went to court (no 8% interest and no court fee). all this is just standard procedure - they are always hoping you will give in at some early point - especially as it would mean a bit of dosh before xmas - but if you hold out and stick to your guns - you will get the whole banana - it won't be before xmas - but it will be nice whenever you get it, right?

keep posting and let us know if you hear anything - happy waiting.

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Hi

 

I havent worked out how to link that are of interest to me yet and the only way I know how is to post a reply!

 

I will be at MCOL stage this week and the info you have been given is Im sure what I need!!

 

Good luck with your claim!

 

Fatboy xx

Fatboydukey (FBD) = my big fat ginger tom :DI am of the fairer sex :razz:

 

HSBC - FBD 1st claim Bank charges Jan 07 = success

HSBC - FBD 2nd claim Bank charges June 08 = on hold

Lloyds - mums claim Bank charges June 08 = on hold

Lloyds PPI - mums claim June 08 = Got back PPI now fighting for interest

Citi loan PPI - FBD June 08 = WON!!!!

Citi cards - FBD Credit card charges June 08 = ongoing

Skycard - FBD Credit card charges - WON!!!

Kays - FBD Catalogue charges June 08 = ongoing = told Moorcroft where to go and they went!!!!!

Studio - FBD Catalogue charges June 08 = WON!!!!!!

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Just another thought - I wish the bank had thought I might 'give in' - NOT that I would though, I say this because:-

 

I haven't had one single response or reply to anything to date, I have sent my prelim, LBA and submitted my MCOL all recorded etc, and know by track and trace that all have been received, the MCOL was acknowledged the very next day, my 28 day deadline is at 4pm this Wed and I still havent heard diddly squat

 

Let justice begin - sweetness comes to those who are patient - but THIS has driven me mental :mad:

 

My point is that there is absolutely NO pattern, logic or even common good mannners from banks or their so called solicitors in my opinion

 

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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Good luck Sacha..... (Steve - 140.... ;) )

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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I'm watching you (251 ;) ;) )

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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