stringernicy v HSBC ***SETTLED IN FULL***

[lateralus]

totally normal for hsbc. keep to the timetable, you may not hear from them right until after you file your mcol. use the next 14 day wait to prepare your mcol. you can register with them - have your own little place to go in and out at will and get your particulars written, etc. do everything right up to paying the fee and clicking submit which you will be ready to do 14 days after posting your lba. keep it going.....

[lateralus]

all the info you need is in the library, the faqs and the step by step info.

here's the link to the spreadsheet; 6. Interest calculation spreadsheets

go down in that link to the list at the bottom of the thread - use england - advanced - excel (or works). did you not do this before you sent your prelimin. else how did you know how much to ask for? maybe you mean you just added up your charges from your statements. on the spreadsheet there are two tabs at the bottom, one for charges and interest - which is the one you do to find out how much you are claiming for the chrges plus the portion of the interest they have charged you on that interest, this total you are using for your prelim and lba, the other tab is 8% interest - when you do that one use the date that you anticipate filing your cliam - 14 days from your lba, it then figures days since the charge incurred to the date you are filing on each line and you come up with the 8% you will use in your claim.

 

p.s. it would make it easier if you pm a moderator and ask for your threads to be merged. makes life easier for us to help you.

[lateralus]

16 threads - that must be a record!

as the man says - try sticking to just this thread especially if you are asking for assistance - it is way too complicated otherwise.

i found the mcol very straightforward and simple. go on the site now and register, move it along to the particulars point and just keep editing til it fits - then when the date comes to file - you are totally ready. with mcol you keep it all very general: 5. Money Claim On-Line (MCOL) Particulars of Claim . this is one. i'm happy to post mine but i did forget to put in a request for daily interest - so try to fit it in; this is mine word for word:

EDITED - Please provide links to the library rather than posting the wording

 

you'll find it very similar to the template as that's what i based it on - but you get the idea - keep it general - your specific stuff is in your breakdown of charges. the mcol tells you how many lines you've used so it's pretty simple to pare it down to size. does this help? don't start a new thread to answer. just carry on with quick reply

[lateralus]

5. Money Claim On-Line (MCOL) Particulars of Claim Stringy, i just had a look at this link. it's been updated since i saw it last and it really is very good. unless you have some different issues, you really can get it into the small space give easily by following the link.

[lateralus]

oh dear, you haven't started another thread have you???????

suggest you ask in your own thread and if no help go to the bottom of the site and ask in questions and answers. now i don't know what advice your are thanking me for!

[lateralus]

absolutely, and you don't need to notify the court - you don't even need to respond to this - but you might as well - modify the template rejection letter to include that as you haven't heard from them within the timeframe - you have already filed a claim - give them the claim number. just a basic thanks but no thanks letter. you are now dealing with dg solicitors, you'll get paperwork shortly showing that they have been served - then more showing that they have acknowledged and intend to defend - at that point, send dg a copy of your breakdown - the address is on the acknowl. - am i right in this - filing the N1 you already included 3 copies of your breakdown to the courts? if so, then that's already covered, so just watch for the paperwork.

[lateralus]

dear colin - he sends out more letters than i've had hot dinners - but never a full offer and usually as in your case a belated response to an earlier letter. his new tack is a lovely "i'm looking into your letter and will get back to you sometime before the next olympics so please sit there holding your breathe until you hear from me". we are advising anyone who gets this version to plow on with your timetable. yes, so the court is covered by breakdowns - just dg to send one to when you are acknowledged.

[lateralus]

6 threads, my you have been busy!

as a clairification for you, the 14 days is their deadline to acknowledge, not to defend (that would be in another 14 days IF they acknowledge.)

just written on another thread using N1 and they did not acknowledge and were able to ask for judgment after 14 days. if yours is the same - we may see a trend developing where they aren't on top of N1 claims. good luck, court tomorrow to check if they've acknowledged and then press for judgment if they haven't.

[lateralus]

the offer and the claim have nothing in common - the offer was from hsbc - the claim is now filed and their solicitors dg have the say now.

yes, check again, if the dates are correct and they have not acknowledged - you can press for judgment. i suspect they will have acknowledged but contact the court tomorrow and see - and ask for judgement - as crusher would say - send in the bailiffs, accept nothing less than your money - one lump sum as swift as possible.

[lateralus]

i do hope you mean they credited your account -not debited.

did they include the court fee as well? if not - get it back!,

if they did and you got it all - well, i'm as happy as you are - and all because they didn't acknowledge - gives hope to the rest of the claimers.

good luck to you, and spend wisely. congratulations.

[lateralus]

now, i'm going to put my foot down - it's not often that we get a victory - without even having to have an offer - this is going to be a piece of cake - just ring (or fax, or email, or write dg and say this),

while i am very grateful for your speed in paying the judgment on claim xxxxx, i wish to inform you that you have omitted paying the court fee. please rectify this omission (check that spelling) immediately by putting a further xxx (£125?) into my account within the next 7 days. (and here is the best bit). sign it, date it and under your signature put copy sent: xxxxxxxx court and DO IT - one quick letter for 125 - you can't tell me you make that much in a quarter hour???????

do it for me!!!!!! please, and let me know what happens - you owe me!!!!

ok. 'nuf said - do it!

[lateralus]

i'm going to say - a phone call to one or both (dg first, then the court)

the court intended for you to get a full payout, say to them, i was supposed to receive the court fee as well, was i not? - so, no, i've changed my mind - i can't believe it's not there - it must have been in plain view on the n1 - i'm going to say ring the court first, no, i've changed it again (i do this a lot!), ring dg tomorrow: explain that your claim was paid as they missed the acknowledgment and you've just realised that the court fee was not included - you are sure it should have been included, can we rectify this today - if they say one little anything about you signing, blah, blah - just say, that's fine - i'll contact the court myself.

then,,,, you ring the court, or pop down as you are so cozy with them (LOL), and explain to them - same thing, it should have been included, but wasn't.. .. you are entitled to that 100(it's 100 for n1?) or whatever it is and i'd be damned if i'd let them get away with it - they didn't file the acknowledgment - you get the court costs returned - i don't care who signed what - i'd be starting with a phone call, then a letter, and then i'd threaten another claim to reclaim the claim costs - honestly - it's the principle and i wouldn't let them get away with it - i, deep in my heart, think it an oversite rather than a calculated move. ask to speak to debbie and use a softly-softly approach but takes no prisoners.

it would be worth it to me - i guess it's up to you and your circumstances both personal and financial but heck, i'd go get it....it's yours.

 

p.s. i'm going to get someone else to pop over and look at this and see what they think>

[lateralus]

also, can you pm blueskies vbmenu_register("postmenu_254163", true); to get your thread moved to success stories.

i pm'd crusher to take a look-see above.

[lateralus]

oh, poop! i thought he'd have some brilliant strategy! well, i'd still try for it - i'm hoping cool heads will prevail and a nice chat with debs or the court people will do the trick.

[lateralus]

so were you!!!!!

you did it, you stuck it out, you wrote, you worked out the charges, you filed in small claims court, you dictated the terms, you got council and advice where available, you pushed for settlement and YOU GOT YOUR MONEY BACK FROM HSBC! Even got your thread moved! So, there Colin and Debs - another super win!

Well done, you!

[lateralus]

, MBNA

under all the banks, with other institutions.