Sporty BFG v Hsbc ***WON***

[Sporty BFG]

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

 

[Michael Browne]

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

[Sporty BFG]

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

[MARTIN3030]

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.

[Sporty BFG]

Hi Martin

 

That's very reassuring, thanks

 

Time to start checking back through the bank statements then and doing some sums....

 

Kind Regards

 

Damien

[MARTIN3030]

Hi Have moved your posts into HSBC section:)

[Sporty BFG]

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....

[Sporty BFG]

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

[Sporty BFG]

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

[Sporty BFG]

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

[happyolddog]

Hi, Sporty BFG

 

That means that if the bank don't file a defence you win. If they do you win. So wait for the offer of full and final payment. Do though prepare your court bundle just to be safe.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Best Wishes,

Hod

[Sporty BFG]

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

[givememymoney]

Yes this is what happened to me and HSBC did file their AQ by the new deadline and I then had a full offer the following day. So hopefully you will get your soon too.

[Sporty BFG]

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?

[givememymoney]

They sent a letter with the offer it was about 11 days before I actually got the money.

[Sporty BFG]

Oh that's not bad then. Hopefully not too long to go now then.

Thanks givememoney

[Sporty BFG]

: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

[MARTIN3030]

congratulations.

Well Done Damien.

Happy to oblige with your PM.

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

[lateralus]

please, please do this:Litigation Section - View and print out litigation spreadsheets here please pm a mod with your details.

it will help with the date base for the court bundles - you'll be helping people who are still trying to get there!

thanks so much!

[Sporty BFG]

Hi there lateralus

 

All done, sent them to martin today

 

Sporty