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Me vs HSBC.....My diary to completion


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Here's my bit of encouragement to all you guys thinking about going for it...

My claim for £1318.46 went as follows :-

 

1st September Requested statements via data protection act

4th September Re-sent letter with £10 fee I forgot to put in 1st

time (Doh!)

23rd September Prelim. letter hand delivered to my branch.

2nd October Acknowledgement received of prelim. Letter

9th October 14 days up.

10th October LBA sent.

16th October Copy LBA sent to new address requested

1st November 06 14 days up & claim issued via money claim online

6th November 06 Bank requests for 28 days to defend claim

10th November 06 Offer of £1000 to go away (+£10 fee returned):grin:

13th November 06 Replied “no, thanks” to offer.

27th November 06 Filed defence :eek: (AAAAAAAAGH!)

30th November 06 Offered full amount…+8% interest +£120 fees:lol:

What a waste - had to pay out £1700 odd when they could of settled for 75% of that....

Also asked me to sign a non-disclosure marked "without prejudice"...Kinda defeats the object of asking me to sign it methinks.....

A BIG thanks to all the guys at CAG for the templates & guides and a REAL big help......

My advice to others is GO FOR IT - But read carefully (and I mean read, not skim) the guides and advice here BEFORE you get stuck in.:grin:

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Well done and congratulations,

 

I filed MCOL on the 28th Nov so not far behind, awaiting court case Christmas Day!!

 

Also heartily agree with your comments. Thanks!

waeve48

 

16/10/2006 Downloaded 6 years of statements

20/10/2006 Sent Request for Repayment of Charges

06/10/2006 Sent Letter Before Action

22/11/2006 Filled in Money Claim On Line

28/11/2006 Acknowlegement of Service, Northampton CC

07/12/2006 Received 1st offer from Colin Langdale

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Without Prejudice means that those documents 'cannot be used as evidence in a court' in case you decided to take things further in a court and press for action based on their request that they want it 'hushed up'

 

You interest seems about right, £310 on a charge value of £1318 - Pharma rep why did you think that was a lot ??

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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  • 3 months later...

Can someone please tell me where to get a schedule of charges spreadsheet template from. I am handing my aq in to court today and also I only have 1 years statement, what do I do about the other 5 years on the schedule?

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Can someone please tell me where to get a schedule of charges spreadsheet template from. I am handing my aq in to court today and also I only have 1 years statement, what do I do about the other 5 years on the schedule?

 

have you not put all your charges onto a spreadsheet yet??

 

ok... here's a template, but you better get this done straight away. the court and hsbc's solicitors will want this before they will look at your claim.

6. Interest calculation spreadsheets

If i've been helpful in any way....then tip my scales over there!

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I'm afraid I don'd know how to get a thread. I am not good with computers which is why I hadn't put my charges on to a spreadsheet. I was told that I could estimate my charges by multiplying the 2 years statements i had by 3. Which is what I have done from the start of this whole process. Anyway I didnot recieve with barclays defence from the court an allocation questionaire, when I rang Northamptons court helpline the man said sorry and said he would send me 1. I said don't worry I will pick 1 up when I take my statements and schedule. My local court is Canterbury, Kent and when I got there and asked for an AQ I was informed that they are not using AQ's anymore because of the amount of claims against banks they are just getting the judge to look at the original claim form and deciding from that whether its worth a hearing. Do you think this will have an adverse affect on my claim?

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Hi Gill

 

I'm afraid I don'd know how to get a thread. I am not good with computers which is why I hadn't put my charges on to a spreadsheet.

 

To start your own thread is easy and it will help keep everyone up to date with where you are in the process, and allow you to keep everything in one place making it.

 

Just simply click on the link below

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=10

 

Enter the the title of your thread for example GillFC1 V HSBC

 

Then below that you can then enter you questions then simply click Submit.

 

There You go!! I look forward to seeing your very own thread.

 

Oyster.icon7.gif

  • Haha 1

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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Hey..... Look at me I helped icon10.gif

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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yes, you've got a barclays customer onto the hsbc forum - well done!!!!

only kidding - i've asked if they'd rather be on there but i don't see any harm in a few strays into the forum - just shows we are attracting attention of other forums with our up to the minute grasp of the events

or maybe cuz we're cute!

 

you keep helping - i'm proud of you too!

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Yeah...I see that Lattie I know how do do it now go to the relevant forum and "New Thread" From there.icon11.gif

 

Aye.

 

Oyster.

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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Hello Just joined up with you today.My case against Barclays has just been transferred to my local County Court!I'm feeling abit nervous now.Have just spoken to the court who say allocation questionnaire not needed and case should be heard in June. Anyone got any advice/thoughts on this?

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malthouse - welcome to the site - you would be well served with loads of advice if you start your own thread in the barclays forum - just press this:Barclays Bank

 

and look for this:newthread.gif

press it - give it a title and away you go - you'll be in the right place to get info for your bank.

very good luck with you claim.

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Hi everyone

 

Help on following would be very much appreciated:-

 

HSBC are defening and I have received Court details yesterday.

In it, the court has already transferred proceedings to a court near me :) and have stated that an allocation questionnaire is not needed.

 

What happens next and is there any significance in the allocation questionnaire not being requested?

 

Strangely, there is no court hearing date on the documents I received.

 

Thanks in advance

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