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Clare vs HSBC for £4,900- ** WON **


Clare1981
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Sure is!! Full offer recieved today!! £4957!!!

 

Yayyyyyyy!!!! :D :D

[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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WOO HOOOOO

 

Clare baby - you HAVE got it, told you, told you, told you

 

:D :D :D :D

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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I have read your post with interest, I have not come across many with large claims so close to the £5k threshold for small claims. I am about to start a claim for £4159 or £4984.85 with statutory interest - so your story has really spurred me on.

 

Well done

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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Hi Catherine,

 

Yep, go for it with confidence, you WILL get it back, typically it takes around 2 months from start to finish !!

 

Just bear in mind, if you think £5k is a lot, the UK banks reaped approx £3 BILLION in charges in 2005, so it really is a spit in the ocean !!

 

Have a great Christmas

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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Sure is!! Full offer recieved today!! £4957!!!

 

Yayyyyyyy!!!! :D :D

 

 

CONGRATULATIONS HAVE A GREAT CHRISTMAS

 

dont forget to donate ;)

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Im glad my story has spurred you on, definatley go for it ASAP!!

 

Thank you Lively lad!!

 

Mine took 4 week and 2 days from the MCOL, sent my first letter on the 6th of November with 14 days to pay up, no LBA sent so 6 + 2 days in total!

[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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YEP,

 

WELL DONE, and CONGRATULATIONS

xxXxx

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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and catherine - mine took 4 months - that was from first letter asking for statements to money in the bank. a lot of people think this is a quick fix - depends on your viewpoint i guess - but i think 4 months beginning to end is about the norm.

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I would be happy to wait as long as it takes if it means we can get our money back!

 

Clare - Have a VERY happy Xmas!!

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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Will do, thanks Catherine! And if you need any help or advice just PM me!! xxxxxxx Have a good one xxxxxxxxxxx

[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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And so say ALL of US !!!

 

xxxx

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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Awww thanks guys, your the best xxxxxxxxx :D

[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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Hi Claire,

 

I've gone back and read your first posts again and note that you did not send an LBA. Im also considering skipping this, and just giving them 14 days from letter 1 before issuing proceedings. I spoke to HSBC today who basically said they have so many of these that I will not receive any acknowledgement or response to my letters.

 

My concern is that this issue is now getting so much publicity that something I'm sure will happen soon.

 

My only worry is that the not giving a further 14 days could go against me when is comes to court?

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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Go ahead and send the letter asap, the sooner you send it the quicker you can start your MCOL! Give them 14 days, that includes the date on the letter and any weekends (Im guessing bank holidays too)

 

But id definately skip the LBA, some people get a response from it but not usually the full amount!

[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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Guest Mumofthreeboys
My only worry is that the not giving a further 14 days could go against me when is comes to court?

 

You are right to worry. If you are the one that has to go to Court you won't be able to show you have given them 28 days. You also will have given no warning that you were going to sue.

 

LBA is exactly that - a letter BEFORE action - you will be going straight to action!

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I have seen template letters elsewhere, including on the BBC money programme site, that state you are giving 14 days to respond in the first letter otherwise you will take action against them with no further notice.

 

Surely as long as you stipulate in your first letter that you will be taking action after a given time scale it shouldn't matter if the timescale given is 7 days or 6 months? Or is there something stipulated somewhere that in complaints and claims of this nature, 28 days is deemed reasonable in the eyes of the law??

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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The notice given is what would be deemed 'reasonible' by a court, the consumer credit act 1974 for instance stipulates 28 days minimum, the last thing that you would want, is that 'IF' you ended up in court opposite that 'nice' but very shrewd HSBC lawyer and the judge agreed with 'him' when saying you acted 'unreasonibly' by 'demanding' too little time to allow then to consider your claim properly !!

 

I know it's a pain playing the waiting game, but in my opinionit's simply not worth risking it!!

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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Listen to Steve Catherine, hes very wise!! (And handsome too!!) Seriousy though, he knows alot more than I do, I only gave them 14 days and thinking back Im very lucky it didnt end up in court or this may have gone against me!

[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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Hi all!!

 

I have won my claim, signed and returned acceptance on Friday at 10am. just wondered how long it took other people to receive their money!! I didnt include a letter giving x amount of days neither did I ask for it to be put directly into my account (which is what we wanted) I rang Friday afternoon and left a message asking if they'd received the fax and also said that I would like the money to be paid directly into my account and asked how long this would take.... needless to say there was no call back!!

 

So what Im asking is how long was it for you and how many of you sent letter demanding the money with x amount of days?

 

Also those of you who didnt request a payment by cheque or payment into your account which did they end up doing?

[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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Hey Clare,

 

Your too kind, the cheque's in the post Babes :D

 

(not sure about the 'handsome' bit LOL :confused:

(looking on the web for an optician for Clare to go to) :D

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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Ha ha ha!! My eyes are fine thank you very much!! Maybe you should get yours tested if you cant see that your devilishly handsome!! :)

 

Can someone tell me why my other 'thread' Won..... now how long till I get MY money?! Is on this page?!!

[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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