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Sporty BFG v Hsbc ***WON***


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Hi everyone

 

I've just joined today after hearing about the website and the amazing way it's helping people to fight back against unlawful bank charges a couple of days ago.

 

being someone who constantly gets the best part of £100 bank charges (plus overdraft interest) most months I'm looking to try and claim back whatever I can from HSBC (especially seeing as I had the displeasure of working for them for 7 years straight out of school! lol).

 

If anybody has any particular advice about what to do and how to go about it I would be particularly grateful. Well, that's it for now, I'm off to read the FAQ's and see what I can learn.

 

Yours in anticipation

 

Damien

 

:)

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Welcome.

 

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help

 

All the info to get you started is here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

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Hi Michael

 

Thanks for your reply, most helpful! Just been reading some success stories of people that have claimed against HSBC and it has given me a lot of confidence to start working out my sums and get my claim underway.

 

One question that I have, don't know whether you can help or point me in the right direction....

 

I have a managed loan with them as well of quite a bit of money and I'm really concerned about the possibility of them closing my account in retaliation and asking for all the money back within so many days (which I have no chance of doing). Do you know what the chance of them doing this are at all, and whether I'd have any defence against it?

 

Thanks once again

 

Damien

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Your loan will be a completely different contract/agreement.

They would have to serve you notice to do that.

The banking code in July advised banks to think carefully for penalising claimants for asking for charges back.

More likely you will get a letter telling you they reserve to terminate their business with you if you cannot manage your account within their terms in the future.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Have moved your posts into HSBC section:)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin

tors

Thanks for the message. i think one of the administrators have kindly put my thread on the right track. Have added up the charges and will look at the relevant letters to send off tomorrow.

If anyone has any good tips to pass on I'm all ears.... :)

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Hello again :)

 

I'm just preparing to send my letter out and I was wondering whether stating the relevant Acts that the Bank is breaching helps in any way to speed up the process?

 

Thanks

 

Damien :)

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  • 1 month later...

Well everyone, my prelim letter is done, my LBA has been and gone, I've had an offer from the bank and politely accepted (but only as part settlement) and since heard nothing back from them. So, today I'm off to take my claim to court to try and get the court date. Here goes!

Good luck to any of you out there fighting the financial oppression ;)

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  • 1 month later...

Hi everyone, don't know whether anyone is following my thread at all as I haven't had any other replies for ages, but here's an update anyway....

 

Handed in my aq on 10th April and received a letter from the court today dated 11th April saying the following....

 

"IT IS ORDERED THAT

Unless the Defendant do file an Allocation Questionnaire by 4.00pm on the 20th April 2007 their Defence will hereby be struck out and the Claimant will be at liberty to request judgement be entered in Default"

 

Can anyone tell me whether this is standard procedure or whther this is better than normal?

 

Thanks

 

Damien

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Hi everyone, don't know whether anyone is following my thread at all as I haven't had any other replies for ages, but here's an update anyway....

 

Handed in my aq on 10th April and received a letter from the court today dated 11th April saying the following....

 

"IT IS ORDERED THAT

Unless the Defendant do file an Allocation Questionnaire by 4.00pm on the 20th April 2007 their Defence will hereby be struck out and the Claimant will be at liberty to request judgement be entered in Default"

 

Can anyone tell me whether this is standard procedure or whther this is better than normal?

 

Thanks

 

Damien

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Oh wow, that's very encouraging, thanks! :)

That's just the sort of thing that yo want to hear after all the waiting. How long after the offer did you receive your money? And how did they contact you, was it by letter or by phone?

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  • 2 weeks later...

:lol: :lol: :lol: :lol: :lol:

I've WON!!!!!!

Just got my full settlement offer yesterday and I'm over the moon!

I'd just like to say thanks to everyone at CAG who has helped me along the way, you've all been great!

My donation will be sent over as soon as I receive my money.

Thanks once again

Sporty :)

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congratulations.

Well Done Damien.

Happy to oblige with your PM.

Hope you will stick around !! And Thanks for the offer of a Donation.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 3 weeks later...
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