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    • Not really. His claim will succeed simply because its a simple matter of a lost parcel and no insurance. Its not a complex case so I think he’ll be fine, especially as it is P2G who arent very good at defending claims but I ageee its not been handled at all well.   My only concern with withdrawing is that he loses £35 in the case of £240 but thats a matter for him   I dont think it has a reduced chance of success if OP actually replies and actions things but if not then ofcourse it will struggle.   My concern is if he starts again it’ll be just as sporadic.   Maybe close thread and let him make a new one if hes ready to engage?
    • Please will you start reading up on the stories on the some form especially the pinned post. I have to say that I'm concerned that you feel that a warning from P2G is going to affect your rights and is going to subvert statutory law. I think you've been here for a few months and I would have hoped that by now you would understand that terms and conditions must always be interpreted in the light of overriding statute. Also I suggested that once you have done the reading on the sub- forum then you would understand the information that we would need in order to give you the best help. The fact that you haven't told us what the item was suggested also that you haven't done the reading. Please give us full details including identity of the item, value, where these properly declared? Dates – blah blah blah. Not paying attention to P2G. Pay attention to us
    • P2G can make clear whatever they want frankly, the judge isnt going to sit there and go “they told you to buy their insurance and you didn’t” and then dismiss your claim.  I would say you should send a formal complaint then after 7 days sent a LOC. Day 21 from now submit your claim on OCMC.    
    • I thought i could just use ( copy and paste)  the terminology from my other post earlier in the year when i previously claimed against P2g .   The parcel hasnt been 'officially ' lost yet i have another 13 days before their 'investigation' ends and then theyll probably offer the postage back as i didnt take the 'insurance'   But to recap ,  The parcel was booked through P2g and sent with Evri. No Protective Insurance was taken out. The parcels value is only £48 plus postage of £3 and the value of the parcel was declared The parcels tracking says while it was in Evri's system it was sent to an 'incorrect' depot and tracking would be updated in 24 hrs which it didnt and the delivery date passed, i then had a live chat with P2g who opened an investigation and im waiting to hear what's happened. My only concern is,  last time i claimed P2g made it clear that in future i must take out their protective insurance which i gavent and im wondering whether this will ' complicate' things ...  
    • it is precisely for these reasons that the OP should withdraw the claim and begin again. Firstly, the case has been badly handled from the start. The OP hasn't come to us and stuck to it in a regular engaging way. Secondly, it seems that the OP is now being advised on the basis of it being a matter of principle rather than looking at a sensible and pragmatic outcome. We have a duty to the people who come to help us to try and get the best solution for them that we can. Secondary is that we want to notch up a further victory against the parcel delivery industry – and frankly it doesn't matter which company it is as long as we get a victory. If we simply urge someone to continue a case at their own expense in a claim which has a very reduced chance of success, simply because it gives us personal satisfaction, then this is really contrary to what we do and certainly contrary to the interests of the claimant. I'm now urging the OP (Original Poster) to withdraw and to start again and work with us very closely in order to get a much more certain victory. By continuing this claim, not only with the OP risk even more money, it will take more time in the sense of failure will be demoralising. Better to feel that one is in control by exercising one's own choices and taking the long view
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Babs V HSBC **WON**


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My son sent original letter on 12 September 2006 and up to now has only received the past one years statements, which he already had. £800 owed to him in 13 months. He now dreads going further because he could not afford to go to court in case he lost. Is it worth it?

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Hey Tiger, it'll be you and me will it...the test case in this area for HSBC!!!!!!!!!!! lol Oh lordy well, it IS WORTH IT, we must keep +ve!

 

 

And Mark - thanks we've got to stick together haven't we!

 

Aaaargh :mad:

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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how much does the mcol cost?

 

 

Claire,

it depends on how much your claim is for......I'm sure it tells you on the HMCS website as I've read it somewhere!

 

Good luck, Babs

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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My son sent original letter on 12 September 2006 and up to now has only received the past one years statements, which he already had. £800 owed to him in 13 months. He now dreads going further because he could not afford to go to court in case he lost. Is it worth it?

 

 

What can I say,

I hope so otherwise I'm dead! :o

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

Right.

 

Reassurance time.

 

The thing to remember here is that you are right and they are wrong. So even if it were to go to court, (be it County or Mercantile), you would still win provided you were well prepared and you understood the legal arguments you are using.

 

Secondly, the Mercantile court requires full disclosure of all matters material to the case in hand, so, if it were to be referred there the banks would be far more worried about it than you and it may even speed up your claim.

 

Thirdly, only one case has ever got to any kind of court and it was right at the very beginning. A barrister was used who didn't fully understand the arguments and unfortunately it was lost. The bank used the argument that the charges were a service not a penalty and the barrister was unprepared for this, CAG is not.

 

Fourthly, even if the bank are considering the inplications of a test case, the implications are, if they lose, they're screwed. You have to remember that although they have paid out over 4 million quid this money is a drop in the ocean to the estimated £3 Billion they make from these charges each year. Would you argue over 4 million if you knew you might lose 3 billion? This site is very successful and very busy but we are still a tiny percentage of people compared to their customer base. In short, they wouldn't risk it.

 

Hope this helps.

Jim

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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:o thank you Jim, in real life I know we're right but it's just so damn scary!

 

Is this announcement from FD going to affect us....they're a part of HSBC aren't they?

 

And thanks...you are a :cool: head and very reassuring

Babs

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

I assume you mean the current account charges announcement?

 

No, HSBC have categorically stated they have no plans to introduce account fees at this time but they wouldn't rule it out.

 

I suspect HSBC will see how this affects the business of FD before making any kind of decision. I also suspect it will affect FD by driving customers to other banks. :D

 

You have to ask yourself, why have they done this at this time?

 

The OFT are about to investigate current account charges to stop banks bleating that their charges are different to those of credit cards. FD must realise that the findings aren't going to go in their favour, they will be forced to reduce the charges and they need to find the money from elsewhere. This is an odd stance in light of the fact that banks state they make no profit from these charges.

  • Haha 1

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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Hey Tiger, it'll be you and me will it...the test case in this area for HSBC!!!!!!!!!!! lol Oh lordy well, it IS WORTH IT, we must keep +ve!

 

 

And Mark - thanks we've got to stick together haven't we!

 

Aaaargh :mad:

 

We'll do it together!

 

Jimfishybob - thank you so much for your reassurance

 

I've just had a letter through that tells me I'll have to pay another £130 on my mortgage and so I really need this money.

 

Mr Tiger has agreed to go for it, I've prepared the spreadsheets and now its all systems go. I'm right in saying that if we do it online we hold on to the spreadsheets to give them if they ask for them? Yes?

 

Lets do it Babs - if you know what I mean ;):D

  • Haha 1

Preliminary letter sent to HSBC - 10 October 2006

received by them 12 October 2006

NO RESPONSE

Letter before action sent to HSBC - 24 October 2006

received by them 26 October 2006

Lets wait and see.......................

HSBC settled 90% claim - 16 November 2006

VERY HAPPY WITH THAT THANK YOU!! :D

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LOL Mrs Tiger you are funny, I'm glad of Jimfishybob's reassurance too!

 

Lets go for it!

 

With regard to the spreadsheets, I think so yes

 

Babs x

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

I assume you mean the current account charges announcement?

Yes I do

No, HSBC have categorically stated they have no plans to introduce account fees at this time but they wouldn't rule it out.

I bet!

I suspect HSBC will see how this affects the business of FD before making any kind of decision. I also suspect it will affect FD by driving customers to other banks. :D

LOL out of the frying pan into the fire eh? I spose then that other banks would then use this as an area to compete for customers?

You have to ask yourself, why have they done this at this time?

 

The OFT are about to investigate current account charges to stop banks bleating that their charges are different to those of credit cards. FD must realise that the findings aren't going to go in their favour, they will be forced to reduce the charges and they need to find the money from elsewhere. This is an odd stance in light of the fact that banks state they make no profit from these charges.

 

 

:confused: and will someone please tell me how to quote only a small bit of the message at a time so I don't have to do this!!

Babs

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

Oh yes and did I mention how excited I get each day, going home from work, looking at the pile of post!! How sad am I!!!

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

Me too! If you issue the claim in person you can serve it the same day with the schedule. Im BANking (what a bad pun) on that speeding up the process so I may have some dosh before Xmas

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Me too! If you issue the claim in person you can serve it the same day with the schedule. Im BANking (what a bad pun) on that speeding up the process so I may have some dosh before Xmas

 

 

Love the pun - can't believe we're all going to to do it together!! That'll bring the boys over to this thread LOL!!!

 

I too run for the post as I am a very sad person with no obvious life outside this claim ;) I just really hoped that it wouldn't come to this but unfortunately Mr HSBC you've brought our wrath on yourself so you have no-one else to blame.

Preliminary letter sent to HSBC - 10 October 2006

received by them 12 October 2006

NO RESPONSE

Letter before action sent to HSBC - 24 October 2006

received by them 26 October 2006

Lets wait and see.......................

HSBC settled 90% claim - 16 November 2006

VERY HAPPY WITH THAT THANK YOU!! :D

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Oh yes and did I mention how excited I get each day, going home from work, looking at the pile of post!! How sad am I!!!

 

It's the first time I've consistently looked forward to opening post daily!!

 

It's great to see how much encouragement you all give each other - Good Luck! I'm about the same stage as you all at the moment waiting for DG Solicitors to tell me just what their defence will be - the clock's ticking down to 28/11/06..... Fingers crossed we get somewhere in time for Christmas!::|

 

Zsazsa x

HSBC S.A.R - (Subject Access Request) 24.08.06

HSBC WON £3608.05 inc court costs DONATION MADE

 

Halifax S.A.R - (Subject Access Request) 24.08.06

Halifax WON £1909.39 inc court costs DONATION MADE

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:rolleyes: We are too much!

 

I can picture the scene all over the land...... HSBC customers, running for the postie.......there'll be complaints to the royal mail next you know!!

 

LOL

 

:( As it is, I've run home, hoofed the dog out of the way (she was sitting on the post) and found..........a bill from Egg and my Tesco vouchers!

 

Grrrrrr come on MR HSBC.....I'm waiting........

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

It's the first time I've consistently looked forward to opening post daily!!

 

It's great to see how much encouragement you all give each other - Good Luck! I'm about the same stage as you all at the moment waiting for DG Solicitors to tell me just what their defence will be - the clock's ticking down to 28/11/06..... Fingers crossed we get somewhere in time for Christmas!::|

 

Zsazsa x

 

 

Welcome to our world zsazsa!

 

Fingers x'd for you too, keep us posted

Babs x:)

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

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Share on other sites

Sorry to be a bit of a hijacker here but could someone have a look at my thread and see if you could answer any of my questions PLEASE

 

Sorry to be a bit needy but we're going to file tonight and I want to make sure it is completely correct

 

Love the support on this thread - thanks loads

Preliminary letter sent to HSBC - 10 October 2006

received by them 12 October 2006

NO RESPONSE

Letter before action sent to HSBC - 24 October 2006

received by them 26 October 2006

Lets wait and see.......................

HSBC settled 90% claim - 16 November 2006

VERY HAPPY WITH THAT THANK YOU!! :D

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NOOOOO it will be me I know it will - my own slot on the Richard & Judy Show sitting opposite the CEO of HSBC (caking myself) and then all over the SUN and the Daily Sleeze the next day :|

 

Just doing my MCOL this evening and feeling VERY apprehensive :eek:

 

Steve. :cool:

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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NOOOOO it will be me I know it will - my own slot on the Richard & Judy Show sitting opposite the CEO of HSBC (caking myself) and then all over the SUN and the Daily Sleeze the next day :|

 

Just doing my MCOL this evening and feeling VERY apprehensive :eek:

 

Steve. :cool:

 

Eeeee....they wouldn't be able to get all the CAG attendees in the studio who'd be willing to lend a hand to you!

 

Thanks babs - strangely exciting world it is too at the moment!

 

Zsazsa x

HSBC S.A.R - (Subject Access Request) 24.08.06

HSBC WON £3608.05 inc court costs DONATION MADE

 

Halifax S.A.R - (Subject Access Request) 24.08.06

Halifax WON £1909.39 inc court costs DONATION MADE

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Go Steve!

Right here if you need us

Babs

Prelim sent to HSBC 10/10/2006 for £5035

no response :x

LBA sent 24/10/2006

no response :x

MCOL filed 10/11/2006 :eek:

MCOL issued 13/10/2006

HSBC acknowledged MCOL 17/11/2006

HSBC entered defence + case transferred 12/12/06 :mad:

FULL OFFER! Received today 14/12/06 :D

 

If I have been of assistance, please tip my scales but don't forget, this is only my personal opinion, I'm no legal eagle!

 

Please sign this petition:

http://petitions.pm.gov.uk/PAYUSBACK/

Link to post
Share on other sites

NOOOOO it will be me I know it will - my own slot on the Richard & Judy Show sitting opposite the CEO of HSBC (caking myself) and then all over the SUN and the Daily Sleeze the next day :|

 

Just doing my MCOL this evening and feeling VERY apprehensive :eek:

 

Steve. :cool:

 

Come on Steve we're all holding hands on this one to take a collective leap into what is the big vast unknown world of the Small Claims Court - eek!!!

 

We are doing our MCOL tonight too so it'll be great to have yet another person going through it on the same timescales

 

TP

xx

Preliminary letter sent to HSBC - 10 October 2006

received by them 12 October 2006

NO RESPONSE

Letter before action sent to HSBC - 24 October 2006

received by them 26 October 2006

Lets wait and see.......................

HSBC settled 90% claim - 16 November 2006

VERY HAPPY WITH THAT THANK YOU!! :D

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Share on other sites

Love the pun - can't believe we're all going to to do it together!! That'll bring the boys over to this thread LOL!!!

 

 

I'm a boy and I was here waaaayyy before I knew there were loads of girls.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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