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Nickm Vs HSBC


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OK, I have started to get my statements through, and have now put all my charges and interest into the spreadsheet. This has given me my totals obviously. Coming to a total of £1400.

Is this what I print out and send in as my statement of charges?

 

Also, who should I address this letter to?

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start with your branch. that's as good as any and will get to the right place. always post recorded delivery. yes, you send the preliminary letter and copy the spreadsheet as your breakdown of charges. spend the next couple of days reading the faqs again and again until you know them backwards - you don't do yourself any favours by not being prepared. read the step by step instructions and be assured that if you know what is in these guidelines - you won't go far wrong. also, i guarantee that anything you need to know has already been written in the site. keep reading and keep posting updates.

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Hi Nickm,

In agreement with lateralus, the only part I'd add would to say send to HSBC 's "registered UK address" this is certainley the address you will need for any court documents to be served to !

 

It's the 8 Canada Square, London one !!

 

I also agree, read as much as you can in here in as many 'threads' as you can, it will pay dividends in helping you to avoid making any silly errors (which may be a defence for the bank if it goes to court)

 

Good luck,

 

Steve

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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just 14 calendar days!

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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All the days counted in these proceedures are ALWAYS calender days (thankfully that works in your favour a little)

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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Well, the 14 days are up tomorrow and I have had no reply from the bank so far. Has anyone else had the bank completely ignore their letter?

 

I shall be sending my LBA off tomorrow if there is no reply by lunchtime. (Thats the latest our post arrives.)

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Hi Nickm,

 

oh yes, don't for one min feel honoured that you haven't heard a squeak from the bank . . it varies greatly !!

 

Some folk hear straight away, even recieving an offer or full payment, others (like me) are just about to hit the judgement button as they have ignored the MCOL apart from an initial acknowledgement.

 

Persevere, and you will win, everyone seems to in the end, but I know the waiting is so frustrating !!!

 

Steve

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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Well, the nice people at HSBC have chosen to ignore my preliminary letter. Its nice to know that I am a valued customer seeing as I have been with them since I was old enough to have an account. (They had the best gifts for kiddies when I opened my first account.)

So as a result, I have now dispatched my LBA, maybe I should have included a chistmas card as well, and wish them a happy and prosperous new year!

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  • 2 weeks later...

OK. The time is up on my LBA, but should I give them a couple extra days because of the disruption over the christmas period before going to the next stage? I don't want to make a blunder this far through the process.

 

Thanks

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go ahead and file when you are ready - they don't normally take any notice until you do file. log onto the mcol site and work your way through to the particulars. use the head office - canada sq, address found on all your statements. you can play around with the partics. til you get them the way you want - there is a template in the library above. 5. Money Claim On-Line (MCOL) Particulars of Claim when you get it the way you want it - answer the last couple of questions and press submit - pay and that's it. it's a very easy to follow process. shout if you need help.

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You will need a little while, trying to get those words into the box is a skill all of its own! :D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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OK. I've hit a bit of a mental block in trying to fill out the MCOL info, so I need some help before I go any further.

 

All has gone fine until I got to the last page asking for the particulars of the claim. It asks for the amount claimed. Am I right in thinking this is the total amount (ie. penalty charges, intrest on penalties AND the 8% intrest claimed)?

Also how do I work out the daily rate of the 8% interest until the claim is settled? Is this 8% of the total amount claimed including the 8% allready added to the claim?

 

Thanks for help, the mental block is probably because I am trying to get this done whilst I am tired, but its the only time of the day I get to sit down and concentrait on the task.

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OK. I have had a further development today. Just got back from lunch and received a letter from the bank which appears to be a reply to my first preliminary letter, but dated the 2nd Jan 07. So I guess they are a bit backlogged with claims.

The letter is asking for a full breakdown of the charges I am claiming back, obviously I sent this with my original letter, and with my LBA. As you can see above I am now just at the MCOL stage. I am going to enter my claim and stick to the timescale, but should I send another copy of by breakdown of charges to HSBC and include the costs and the 8% interest I am now claiming through MCOL? or should I just ignore the letter and carry on with MCOL?

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Thanks for that, it has cleared things up considerably.

 

I have decided to file the claim, and repley to todays letter, sending a break down of charges AGAIN, and state that I have filed a claim and if they wish to settle they can but they will now need to re-imburse me for the court cost as well.

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Thanks for that, it has cleared things up considerably.

 

I have decided to file the claim, and repley to todays letter, sending a break down of charges AGAIN, and state that I have filed a claim and if they wish to settle they can but they will now need to re-imburse me for the court cost as well.

Yes, they have to pay up your court costs now.

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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OK. All done, I have just submitted my claim through MCOL and paid up my fee's. Tomorrow I will compile a letter and repley to yesterdays letter from HSBC asking for a breakdown of charges, saying that they are welcome to settle but they will now need to claim the amount I have just settled.

I will keep you all updated with how it progresses.

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saying that they are welcome to settle but they will now need to claim the amount I have just settled.

:D

Bit of a typo there?

Great news!

Keep us posted!

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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OK. I started my mcol claim, and had a letter through from them stating that they had issued the claim and it would be deemed served on the 10th.

Well I just had a look on their web site and it appears the bank acknowledged the claim on the 9th. Day before deemed served, someones on the ball.

If I have read right, they now have 28 days to submit a defence. Am I right?

 

I'm nearly there, I can't wait.

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yes, 28 days from the served date. and now, send 3 copies of your breakdown to the court referencing your claim no. and 1 copy to dg (address found on pg2 of the ackn) also referencing your claim no.

then you wait.....

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