Bex v HSBC ***WON***

[Guest bong]

Bex and Lattie, there is a new strategy for the AQs here http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html#post441555

 

good luck with the search Bex!

[lateralus]

yes, bong - been meaning to ask - does it mean just copy out that letter and attach to the n150/N149 along with it, anything else to do with it??

or is it the answer to one of the questions on the aq. you know me - that technical stuff gets me. why doesn't a mod move both those two threads next to each other - i spend half my time looking for this stuff.

 

Bex, good luck with the search, and unless debs has been demoted or promoted she certainly does deal with claims! little scamp, her!

[Guest bong]

if its an N149 AQ at G (other information) write

 

I believe that the case will last no longer than one hour.

This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is (in common with the 100s of other cases currently being brought by other bank customers) that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

 

Accordingly, I would respectfully ask that the attached draft direction be made into an order.

I believe this would bring a rapid end to this litigation.

 

If its an N150 AQ, at F tick yes and then no, and at H write the same text as above, but not the line about the case lasting for one hour as this has been answered elsewhere in the questionnaire.

 

You then attach the draft direction, making sure you have added your own case and court name and claim number etc.

[lateralus]

ok, think i understand - i'll put this in my favourites so i can find it again easily, thanks bong.

[PJB2007]

Hi everybody, I am new to the site. I have received all my statements, totalled the amount and sent the first letter to HSBC by recorded delivery.

 

I received a reply a few days before the 14 day period, the letter informed me the matter was being 'investigated' and I would be contacted in due course.

 

As advised on the BBC website, I responded informing them I was willing to give them a further 14 days in which to resolve the matter before I registered my claim. A few days after this Colin Langdale sent a letter of reply saying all the usual "fees are clearly stated" and "you can complain to the Ombudsman" that everybody recieves.

 

In the letter he said that was HSBC's final response so does that mean I am able to begin my MCOL now or should I wait for the 14 days from the 2nd letter I sent?

 

Also I am unsure of how to calculate the interest? I am claiming £1437.50 and the date of first penalty was 7th March 2001

 

Sorry if it seems a stupid question but I have read how to calculate it and cant get my head around it.

[lateralus]

pjb2007 - first welcome to the forum, next, let's get you your own thread. look at top or bottom of the list of posts on the forum and you'll see new thread tab, just press it. you'll have your own place where you can keep track of your things and you can ask questions you need answering and it is much, much easier to find you again - if you have your own thread.

this is the must read part for every new claimant: Newcomer? Here's A User Guide, read them until you are familiar with them.

it is to your benefit to come to grips with the charges you are asking back before you proceed to the LBA which should be your next letter - but first, have you used a spreadsheet to figure your interest? maybe i can help you understand the difference between the interests and how to work them on the spreadsheet by sending you this link. after you have read the faqs and step by steps on this site, you will be ready to make a list of your charges you want to reclaim look at post number 9 on this thread:HONEYGIE sees you HSBC! (1.

once you've done what it says - you will then have a schedule of charges (your spreadsheet including overdraft interest, if you want to reclaim it but not yet including the 8% interest that you can claim at the court filing stage.) Your spreadsheet is your schedule.

then you will be ready to go back to the library template letters and send an LBA and include the breakdown. I would consider you have already sent a prelim. approach letter and are now ready for the lba - but read up first and see if your list of charges is as you want it before you send it off with the lba. ok>

and let's get you onto your own thread. good luck. ask if you need help.

[PJB2007]

I cant find the new thread tab lateralus, I am no stranger to forums and know how to use them, feel a bit silly but cant find the tab on this forum?

[lateralus]

go back to the hsbc forum, before you pick a thread, there is a list of threads, either at the top of the list or at the bottom , small blue oblong - says new thread. you'll find it, if i can, anyone can. if you are reading this just go back one page and it's the same type of thing as the post reply just above where i'm writing now - looks just like it but back a page.

look again.

[Bex7]

ok so I have searched high and low and cannot findt eh darn paperwork

 

Does anyone know if I need to call the MCOL people or the court it was transferred to to ask for the paperwork to be sent again?

[Guest bong]

I'd try both, MCOL first and then if they tell you to, your local court.

[Bex7]

Does anyone have a number for Julie Kyle as DG?

 

Apparently she is dealing with my claim but I only have Deb's number and she is on voicemail permenantly!

 

Thanks

[ulyetta]

Hi Bex,

 

Julie Kyle number is 0121 4552701. I rung her yesterday and she said my offer was in the post. Got it today after rejecting part offer and its for the full amount. Fingers crossed for you. Think yours should come tomorrow due to being a day behind me.

[Bex7]

Yay for Ulyetta!!!

 

Thanks and congratulations......don't spend it all in one go!

[Bex7]

Woooo Hooo

 

Full offer in the post this morning!!! Actually £110 more than I asked for!

Thanks to everyone one this site Donation will be on it's way once the money is in the bank!

 

How do I change the thread title to include "WON"?

 

x

[Clare1981]

Woo hoo!!! Congratulations!!!!

[lateralus]

ooooh, you've made my day, bexy!

sign that offer - cross out the line about confidentiality and get it back pronto. i think the money should come in 7 days or so - but keep on top of them and don't halt the court action until you get it.

When You Get Your Refund.

also, pm a mod to change your thread to won.

keep that rachael number handy - you may have to chase it up a little - they aren't super fast - but you've got the offer - so, you win!!!!

that's a laugh - 110 extra - don't ask questions. as long as it includes what you asked for, you're fine.

as your aq was due the 22nd - if you don't have your money by then (hopefully you will) just ring the milton keyes court and ex plain that you've had an offer and accepted and just waiting for the mney and ask for a delay on the aq deadline.

don't go spending it all at once!!!!!!!spend wisely.

really, i'm so glad for you. CONGRATULATIONS!

[lucykirk2003]

well done Bex! There's hope for me too then. I'm waiting for them to enter defense and getting worried. My claim is for less than yours so hopefully they'll pay up after defense stage too?!

Well done!

[brazza1970]

Congrats Bex..My postman has just gone straight passed & I was feeling gutted but you have just made me smile again.

[Bex7]

thanks guy's feels great to win, especially as I have saved myself the embarassement of going to the court to tell them i have lost all the paper! LOL

 

Daft question but........who are the MODs? obviously I know what a mod is but who specifically do i pm

 

x

[Michael Browne]

See here

http://www.consumeractiongroup.co.uk/forum/showgroups.php

any with a green blob ( on the left) will be on-line now. Click on PM (on right)

[smiley33]

well done Bex!! there's hope for me yet...

[lateralus]

bex, i tried that link michael sent and got nothing - i find the mods this way (probably the equivalent of snail mail but it works). when you first come onto the forum - before you press for the banks, scroll to the very bottom, you'll find how many people are on line, etc. look for names in green, they are mods. click on one and tick send a pm to .....,

site helpers are in pink, and the gods are in red.

[Bex7]

thanks Lateralus.

 

I am now mailing people from work and another non money related forum with this site link so they can do the same

[Michael Browne]

bex, i tried that link michael sent and got nothing

Link fixed.

[Bex7]

Thanks

 

Any idea how long till they cough up?