givememymoney V HSBC

[givememymoney]

That would be fun

[givememymoney]

So £1 - £2 is about the actual cost for charging a customer over their limit etc. So stuff the OFT and any £12 suggestions we all carry on!!

 

I bet the Barclays forum is going to be busy tonight

[harvest]

Can we quote that bloke from Barclays in our AQ's or Court Bundle - especially the bit where he said.

 

"To charge £30 or £40 is a bit harsh really."

 

Just goes to show what CAGers have been saying is based on fact rather than supposition.

 

Add something in to say "I respectfully draw the judges attention to...."

 

I wonder how many Barclays customers will be moving their accounts now?

[givememymoney]

The problem is where to move your account too they all seem to be as bad as each other.

 

As for the charges being "a bit harsh" what doesn't come across on paper and you know that the judge would miss is the tones of understatement in the way in which it was said.

[Castlebest]

Recorded evidence is allowable in court, the problem is none of the banks dare set foot in a court and everyone knows it hence Judges allocating 1 minute to court hearings they know will never take place.

pete

[givememymoney]

Appartently I have two letters from DG on my doorstep. I will let you all know what they say when I get home later. Heres hoping

[nettyg]

oh for gawdsakes..... can't you ask whoever's there to open them for you NOW!!!

[givememymoney]

No they have left already but told me just now after they knew this morning!!!!! How frustrating!!!!!

[givememymoney]

Ok letter 1 from Rachel Tomlinson informing me that they have filed a copy of their allocation questionaire with the county court.

[givememymoney]

Letter 2 from Rachel Tomlinson informing me that HSBC is confident that its charges are reasonable and would be successful in court. However to save management time and costs they are willing to offer me an ex gratia payment for the full amount I am claiming.

 

Bring it on!!!!!!

 

I have heard what the banker has to say and he has asked me the question.... my response ... Deal!!!!

 

Strange thing is the offer is a bit more than I was expecting actually to the tune of the daily interest rate I was claiming. I wonder if they have been reading my posts!!!! Now to read up on accepting an offer!!

[harvest]

Wooooohooo!!!

 

Congratulations Givememymoney.

 

I love the two contracdictory letters from the same person. Sounds like Ms Tomlinson doesn't know her *rse from her elbow but at least you have got (the offer) your money.

 

Well Done

[givememymoney]

Yep she clearly does have problems with her anatomy!!!

[lateralus]

Oh boy, this is sure fun when those offers come in!!!!

I'm very, very, very pleased for you.

Bet that headache is gone now.

If the avatars come back on - will you get rid of that headbanger now please!

CONGRATULATIONS!!!!

very happy:D

[givememymoney]

Of course I'll get rid of the head banger when the avatars come back. I am very happy too :D

[givememymoney]

Anyone know where to find an example of an acceptance letter?

[lateralus]

use this as a starting point (and don't halt the claim until you see the money)

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I trust that you will find this arrangement acceptable.

 

Yours Sincerely

[givememymoney]

Thanks for that Lattie. You don't need to worry about me halting a claim until I have got my money.

[st24driver]

Well done mate I suggest that you send the avatar to colin (think he needs it more than you)

[lateralus]

it was a cut and paste - caught me out - didn't you! you don't think i type that fast, do you???

 

ask for £10000 in 5 pound notes for confidentiality!

[themadcap]

Letter 2 from Rachel Tomlinson informing me that HSBC is confident that its charges are reasonable and would be successful in court. However to save management time and costs they are willing to offer me an ex gratia payment for the full amount I am claiming.

 

Bring it on!!!!!!

 

I have heard what the banker has to say and he has asked me the question.... my response ... Deal!!!!

 

Strange thing is the offer is a bit more than I was expecting actually to the tune of the daily interest rate I was claiming. I wonder if they have been reading my posts!!!! Now to read up on accepting an offer!!

*****congratulations******

i got mine today but realised after all this time i made a cock up check my thread Themadcap vs HSBC feel ive gotta accept and start again for the rest

god i feel such a t**t!!!!!!!!

[nettyg]

YEEEEAAAAAHHHHHHH!!!!

CONGRATULATIONS GMMM - I'M SO HAPPY FOR YOU.... NOW YOU KNOW WHY I NEEDED SOMEONE TO BREAK INTO YOUR HOUSE AND READ YOUR GODDAMN POST!!!

WELL DONE:D :D

[givememymoney]

:lol: Thanks Madcap and Netty but lets not go breaking into peoples houses that's a whole other type of legal issue!!!!!! :lol:

[givememymoney]

Ok guys please let me know your thoughts on my letter?

xxxxxxxx –v- HSBC Bank plc

xxxxxxx County Court

Claim No: xxxxxxxxxx

Your Ref: xxxxxxxxxxxx

I acknowledge receipt of your letter dated xx/xx/xxxx and your settlement offer of £xxxxxx

I accept your offer as full and final settlement only for this claim of bank charges made on my accounts xxxxxxxx and xxxxxxxxx in the period xx/xx/xxxx to xx/xx/xxxx. I agree not to make any other claims relating to these charges.

 

I accept this offer without prejudice and reserve the right to make any further claims should they be brought to my attention and may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of this claim within 7 days. The settlement monies should be deposited in my account xxxxxxx. Failure to adhere to these conditions will result in me continuing my claim with the county court. I will also inform the judge regarding your actions and that consideration of your request for a one month stay as indicated in your allocation questionnaire should be ignored as an attempt to stall the court process. I will also request that the judge adopt my draft order of directions issued with my allocation questionnaire in order to bring a swift conclusion to this matter.

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by me.

 

I trust that you will find these arrangements acceptable.

 

 

Notes: There are two things I am wanting to do with this. 1) Leave open the possibility of going after charges made before the 6 year limit. 2) Ensure that the settlement is paid in a timely manner!!

[nettyg]

looks good to me gmmm. please tell me how much your charging for your silence!!

[givememymoney]

I reckon about £6000!!! We all know they are not gonna pay it so might as well be a million but sounded like a nice figure!