Jump to content

 

BankFodder BankFodder


sugaredhoney

Sugaredhoney v HSBC

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4825 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello all,

 

Been directed to this site from fool.co.uk and hoping to claim back some of

these charges (had no idea this was possible until yesterday!)

 

Thanks for reading!

 

SH x

Share this post


Link to post
Share on other sites

fool.co.uk ???

who might they be then...............

Welcome to the site.

To begin with grasp as much info as you can from the faqs and other threads.

All you need to start the process awaits you within the forums.


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.

 

 

Share this post


Link to post
Share on other sites

Hello Martin, thanks for your reply.

 

Fool.co.uk offer advice on anything financial, with similar discussion threads, great site!

 

Will get stuck in when i find where the best place to start is! Have just read the bigcol vs natwest (j/k i know its rbos!), very inspirational, any happy endings with hsbc?

 

I really need some kind of dummys guide to this, havnt got a clue!

 

Cheers,

 

Christy

Share this post


Link to post
Share on other sites

Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

 

Useful links to help with your claim

 

FAQ’s

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

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html


IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Share this post


Link to post
Share on other sites
Hello Martin, thanks for your reply.

 

Fool.co.uk offer advice on anything financial, with similar discussion threads, great site!

 

Will get stuck in when i find where the best place to start is! Have just read the bigcol vs NatWest (j/k i know its rbos!), very inspirational, any happy endings with hsbc?

 

I really need some kind of dummys guide to this, havnt got a clue!

 

Cheers,

 

Christy

 

 

Christy you will soon pick things up don't worry.

A recent HSBC winner was HSBC claimer and his thread attracted almost 10,000 views have a look at it.

 

My first claim against HSBC - Settled

 

I know it can be a little puzzling in the early days so I am sorting you a thread out and posting it in HSBC for you.

There you can share progress and ask questions in the HSBC bank group and also get some ideas from the current claimers by following their progress too:D


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.

 

 

Share this post


Link to post
Share on other sites

welcome to the hsbc thread - i followed neil faulkner's case religiously when i was claiming back in august as he was on the same time line as i was. motley fool's site was very good reading.

but now you are here and lots of us have stuck around to help other's get there too.

just read the faqs and step by steps once, twice even three times then make your move. Newcomer? Here's A User Guide very well planned out and if you follow the system, barring anything way out of line - you will get your money back.

as for simplified stuff - i had no spreadsheet experience at all and i did it - so anyone can - when you get to that part - i'll post my very simplified instructions of how to do that part - laying out the charges and claiming for overdraft interest (versus the 8% interest you put on the claim when your file) sound daunting - it's not - just start with the step by steps and ask questions when you need to. good luck, good way to start the new year. (i'd point out the hsbc success thread but at the moment the top story is someone with a sour taste in his mouth - but go ahead and have a look at all the others:

HSBC, FD and HFC successes

Share this post


Link to post
Share on other sites

Brilliant, firstly thanks for moving thread hopefully will easily get some responses now, and thank you all for your advice so far has all been taken on board :D Have been looking through guides and various success stories, first of all though,

 

1. do i send the letter to hsbc's registered add (canada sq)?

2.I have looked at how to work out overdraft interest but the whole thing still confuses me:confused: I worked out my charges come to just over £1500 for about 14 months worth (I take it I just say these charges have been incurred over the last 2 years).

 

Thanks in advance :D

 

Christy

Share this post


Link to post
Share on other sites

christy, don't think it really matters, where, - some of us started with letters to the branch to begin with and others went straight to the head office, there is also a cust. serv. group in leeds who will probably be involved at some point - i think the initial letter is just as well going to your branch. they all get where they need to in the end - but as we always say - send everything registered post (costs £1 and you can check delivery on your computer).

as you have honey in your name - i will point you in the direction of my super simple instructions for the interest question - lots of confusion between the o/d interest which you can claim back from the start and the court interest which you only add when you are filing a claim. i wrote a lengthy piece and it involves how to conquer the spreadsheet if, like me, you aren't into this sort of thing - several people have used it successfully (sometimes the instructions are geared to people who know what they are doing already and i didn't - so i've written this little helper) you can find it on another honey's thread - it's post number 9. take a look, try it and get back if you have any questions, here's the link:HONEYGIE sees you HSBC! (multipage.gif1 2 3)

Share this post


Link to post
Share on other sites

Thank you lateralus, sorry should have updated the post but was a little impatient to get this started so amended the prelim letter and sorted out the schedule of charges, all sent at midday to hsbc london via recorded delivery, would have updated this but by the time I finished last night it was well past my bedtime!

SO, prelim and schedule of charges sent today, LBA in two weeks time keep your fingers crossed for me and thanks for all your help again!

 

Christy x :D

Share this post


Link to post
Share on other sites

so did you claim for overdraft interest?

Share this post


Link to post
Share on other sites

I just put my basic charges in on the one i sent out, janquinny(sorry if wrong!) helped me with a spreasheet yesterday, and added interest in and then hid the columns so i can unhide them at a later stage, i think thats right?

x

Share this post


Link to post
Share on other sites

hi sugar, just subscribing!


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Share this post


Link to post
Share on other sites

Great un1boy look foward to your posts!

 

Just a quick silly q, HSBC recieved today (checked recorded delivery online) after I delivered yesterday, do I send out the LBA 2 weeks after I sent it or 2 weeks after they received it? I've got on my calendar to send out the LBA on tues 16th or is this too early?

 

Thanks xx

Share this post


Link to post
Share on other sites

do I send out the LBA 2 weeks after I sent it or 2 weeks after they received it?

 

Whichever, personally I'd use the date of my letter.

Share this post


Link to post
Share on other sites

hello sugaredhoney:) . i was advised by lateralus to stick to the timeline.. so, 16th it is for you. that is irregardless of when they received it.. if lba sent 16th then you get to file mcol on 30th. goodluck. and am subscribing too.. hpe you dont mind..


[FONT=Comic Sans MS][SIZE=1][COLOR=purple]S.A.R. sent 30 October-reply received 10 november[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]Prelim letter sent 28 november- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]LBA sent 13 december- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]MCOL filed 30 december- issued 02/01/07[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]loveletter from colin received 02/01/07-saying will get in touch on feb 9[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]acknowledged claim on 4 jan- has until 1 feb to defend.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]defence entered 31 jan 2007[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]offer received 1-2-2007... still waiting for the moolah though:cool: ...[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]and moolah arrives 1-march 2007!!! Praise the Lord!!!![/COLOR][/SIZE][/FONT]

Share this post


Link to post
Share on other sites

Lovely thanks michael&honeygie, course I don't mind appreciate watchers lol, 16th it is!Already excited and they've only just received prelim! Like others I'm not holding out for a response anytime soon but we shall see! Have many other people ever had phone calls from hsbc after prelim or lba? If so what did they say? I've had a couple of witheld numbers call (not from them so far but you never know for the future?) what did they say and what was the response?

 

Cheers x

Share this post


Link to post
Share on other sites

Hi Sugar.

 

Make sure you stick to the timelines = so, get the lba ready to send for 30th!

 

I didn't get any calls from them at all during my claim. However, if I had done, I would have told them that I want all correspondence in writing and that I am not discussing anything regarding the claim over the phone (that way they can't back you into a corner and make you say things!).

 

Hope this helps!


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Share this post


Link to post
Share on other sites

Thanks un1boy, you've confused me now though! Do you mean lba=16th and mcol filed on the 30th?and thanks I'll remember that if they call :)

Share this post


Link to post
Share on other sites
Thanks un1boy, you've confused me now though! Do you mean lba=16th and mcol filed on the 30th?and thanks I'll remember that if they call :)

 

Sugar, I am very very sorry for confusing you - it's no excuse, but I am doing a million things at once.

 

you are correct tho - issue LBA 16th and MCOL 30th

 

My apologese again! :-/


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Share this post


Link to post
Share on other sites
Sugar, I am very very sorry for confusing you - it's no excuse, but I am doing a million things at once.

 

you are correct tho - issue LBA 16th and MCOL 30th

 

My apologese again! :-/

 

Nooo don't be silly I just wanted to clarify thats all appreciate any posts even the slightly confusing ones hehe thanks for replying

Share this post


Link to post
Share on other sites

Hehe, no probs! ;)


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Share this post


Link to post
Share on other sites

So no updates as yet, LBA to be sent a week tomorrow, just wondering if anyone else is at the same stage at all?:D

Share this post


Link to post
Share on other sites

Well today I received a letter from the lovely colin langdale telling me they are investigating my charges and will contact me as soon as they have completed them (err no I think Ill just send my LBA on monday still I havnt got til 2010!)I received two of these aswell,

must be special eh!

Share this post


Link to post
Share on other sites

Good on you - keep to YOUR timetable!!


Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Share this post


Link to post
Share on other sites

Of course, and I meant tuesday by the way, so much to sticking to timetables!Oh and the fact that they sent two copies of the same letter just shows their lack of efficiency...something that will be used against them if its needed!

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...