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HSBC Ignoring my Letters


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Just carry on with the process. If the 14 days after the LBA are up then it's time to file court papers.

 

This is par for the course with HSBC these days, i'm afraid. I think they're just snowed under.

 

Bless 'em

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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It can vary.

 

But the sensible path would be to be prepared for at least a 28 day wait from the date of service.

 

i.e. don't bank on it for christmas.

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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can somebody please enlighten me on what an 'LBA' stands for?

i'm in the process of asking, no, demanding my money back from MBNA & HSBC totalling £7000 and i need some advice!

 

 

Without intentionally sounding nasty, you really shouldn't be going ahead with this if you don't know!! - it implies that you haven't read the FAQ's and they are absolutely invaluble...LBA is the Letter Before Action.

 

STOP now and spend a couple of days reading, read everything twice, 3 times if necessary but do nothing until you understand the whole process.

 

OK lecture over, good luck!

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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HSBC have now finally replied to me. They have offered me a settlement of 455. I claimed for 550. Shall I accept this clainm and pursue them for the remaining 95 or shall i go ahead and file a claim against them.

 

I am not sure whether its worth pursuing this further for £95

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your decision but I know I would pursue it, its the principle involved. If you only accept as part settlement I think the offer will be withdrawn anyway and then the case management gets taken up by their solicitors once you start a court claim. Don't forget once you've submitted your court claim you're looking at 8% interest on top!

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