I received this letter from HSBC.

[sr9999]

I have recieved a letter from HSBC today in reply to the second letter before action. I would show you a scan but I can't at the moment. They stated they're standing ground on this and are not willing to refund my charges.

Is there anything holding me back from filing a claim at this point?

 

Regards,

[Spiceskull]

Is there anything holding me back from filing a claim at this point?Regards,

Yes - the courts are closed now, and won't be open again until Monday...

 

Sorry - there is nothing at all holding you back. I got IMMENSE satisfaction by raising my claim today. I hope it is just as satisfying for you. Good luck.

[sr9999]

Everything besides representing myself in court is exciting. The worst that can happen is I loose and loose the court fees with it, right?

[Spiceskull]

How can you lose - you're right, they're wrong and they will pay up. If you don't believe me, look at this:

http://www.consumeractiongroup.co.uk/surveyresults.php

[ukdickie31]

You can use Moneyclaim over the weekend but it won't get processed until Monday. I did that and on Tuesday morning the Bank received the court letter. On the Thursday I got a nice letter from DG solicitors !

 

You stated your intention to go to court. You POSSIBLY could lose...and therefore your fees will be lost. The bank could POSSIBLY defend...but they will incur costs which they can't recover. In REALITY you probably won't even get to court.

 

It's a game of chicken. Hold your nerve and go for it.

[sr9999]

It's foolish to think anything besides death is certain.

 

But really, can I loose anything besides the court fees, if I loose.

[Spiceskull]

If you check around the forum you will see that, whilst they state that they will vigorously contest any claim, NO bank has actually let it go to court.

 

Yes, the truth is that you could, possibly, by a 1 in 1,000,000 chance, end up in court - but it just isn't going to happen. They will settle before you even know what the judge looks like...I was really nervous this morning before raising my claim...but now I feel relaxed. Have faith.

[sr9999]

I'm making my claim now through Moneyclaim.gov.uk.

 

"Does or will your claim include any issues under the Human Rights Act 1998?"

 

Yay or nay?

 

Also to add:

 

"Do you want to reserve the right to claim interest?"

 

I didn't add the interest onto any contact letters I've sent to HSBC because it wasn't much and I wasn't too sure if I could claim it back while in the process of of creating my claim. I now realise I could have but I don't want to cause any confusion by amending the claim amount. I assume the question has nothing to do with bank interest through because the form isn't designed to reclaim charges from a bank.

[Guest Lueeze]

Your right its not for bank interest only the 8%

 

You will still have the same amount to claim just 8% added at the end of your claim....

 

Claim the interst even if you havent told the bank!

[sr9999]

I don't want any cracks in my case, not even hairline cracks.

 

How about

 

"Does or will your claim include any issues under the Human Rights Act 1998?"

 

I'm assuming no?

[Guest Lueeze]

I think its no...

 

Someone will be along to answer that for defo tho!

[Spiceskull]

Human Rights: No

Claim Value: Charges + Interest Charges (charged by the bank on your statements) + Court Costs

 

You reserve the right to claim interest at 8% APR pursuant to section 69 County Courts Act, from [dates of charges to date of settlement/judgement - this is by using the spreadsheet]

 

Good luck

[Guest Lueeze]

Thanks Spiceskull!

 

I will get hte hang of it sooner or later:confused:

[Spiceskull]

Thanks Spiceskull!

 

I will get hte hang of it sooner or later:confused:

S'okay

[sr9999]

I have started my claim today online with MoneyClaim.

Do I receive notification of what happens from here from MoneyClaim? Am I appointed a court date from them and who will be the judge?

[MALCOLMGILL]

You will receive Notice of Issue to the claimant from the court this will explain everything?

[sr9999]

Today I received this letter from Moneyclaim.

 

http://stesbox.co.uk/hsbc1.jpg

 

Is this a copy of what was sent to HSBC and not a form I have to take action from?

 

Thanx in advance,

[CheeseOnToast]

Yes that is a copy of what they sent back saying they intend to defend.

 

I got my DG Solicitors letter on the same day

[sr9999]

Are we the first cases that have been defended by HSBC?

[sr9999]

Settled!

 

£1598.50

[Guest Lueeze]

Wow well done! Spiceskull had £4000 paid out this week, and I have about 4K too to come!

 

HAWHAWHAW!

 

Dont forget this...

 

http://www.consumeractiongroup.co.uk/survey.php

 

and the donate button

 

Lou xxxx

[Spiceskull]

Settled!

 

£1598.50

Yes - great result, well done.

[sr9999]

I have filled out the survey.

Now the doubt has been removed from friends on this I will help them sort this out. I will make sure you receive a donation from them if they proceed and are victorious and you will receive a donation from me shortly.

 

Thanx for your help, Stephen.

[Guest Lueeze]

Thanks!

 

Lou xxx

[sr9999]

This topic was closed on 03/05/19.

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