yay101 Vs HSBC - ****WON****

[yay101]

Was slightly sceptical of this whole thing, boyf got his money back from Halifax so I thought, why not have a go!

 

AMOUNT CLAIMED £1491.97 (inc. Court fees)

 

Initial Letter sent - 21/11/2006 - No response:mad:

LBA sent - 05/12/06 - No response:mad:

MCOL filed - 20/12/06

 

MCOL Acknowledged - 26/12/06

 

Defence - 28/12/06

 

Letter received from HSBC 05/01/07 in response to my LBA ( 10 years later!) disagreeing and enclosing Ombudsmans leaflet.

 

Allocation Questionnaire received and case transferred to local court. Deadline of 07/02/07 given to return AQ - 20/01/07

Know a couple of people who have been successful so we know it works, but was hoping to have received an offer sooner. HSBC have given some offers to people I know before they have even got to this stage and they are for twice the amount that I am claiming! Does anyone know why this is? I am assuming it may be because they are current customers and I am an ex customer??

 

Whats the likeliness of me getting this money before the deadline of 07/02/07 for me AQ?

 

When will I be ?

 

I need something to cheer me up this Jan!

[pointsgirl]

Was slightly sceptical of this whole thing, boyf got his money back from Halifax so I thought, why not have a go!

 

AMOUNT CLAIMED £1491.97 (inc. Court fees)

 

Initial Letter sent - 21/11/2006 - No response:mad:

LBA sent - 05/12/06 - No response:mad:

MCOL filed - 20/12/06

 

MCOL Acknowledged - 26/12/06

 

Defence - 28/12/06

 

Letter received from HSBC 05/01/07 in response to my LBA ( 10 years later!) disagreeing and enclosing Ombudsmans leaflet.

 

Allocation Questionnaire received and case transferred to local court. Deadline of 07/02/07 given to return AQ - 20/01/07

Know a couple of people who have been successful so we know it works, but was hoping to have received an offer sooner. HSBC have given some offers to people I know before they have even got to this stage and they are for twice the amount that I am claiming! Does anyone know why this is? I am assuming it may be because they are current customers and I am an ex customer??

 

Whats the likeliness of me getting this money before the deadline of 07/02/07 for me AQ?

 

When will I be ?

 

I need something to cheer me up this Jan!

 

 

 

 

 

 

I am in the same boat

I have had no reply from any of my letters

I filed my MCOL on 21/12/06 this was acknowledged on 29/12/06

this was the first response i had from them

Have had a letter dated 29/12/06 to say they were investigating my claim

but no sign of any offer and no further letters

They have now entered a defense and the deadline for my allocation questionaireis 06/02/07

Your theory about current and ex customers is wrong as i am still a current customer and we have been treated the same

 

Have you sent your schedule of charges over to DG solicsters

If not do it monday

then chase it up with a call to make sure they have got it a few days later

 

at this stage we have to keep reminding them we are here, they might get fed up and gives us our money

 

I do think we will have an offer before our deadline

Just read all the threads on this site

You dont read about anyone not getting their money

[lateralus]

hi, jan, glad you got your thread started. we've been watching for a while now and can figure no rhyme or reason as to who gets offers earlier in the process and who doesn't. seems quite random. but i will say there is a pattern and currently - due to the heavy load of claims - the offers from dg used to come much sooner - they mostly come now just before the aq is due to be filed - sometimes after. so, our goal at this point is to get an offer before the aq is due (even though you aren't paying) as this just lets them string it out more. so, did you send you breakdown to dg as i suggested in the other thread? ok,then on monday - ring to see if it has been received. i love this one - check out this approach:

Me V Hsbc - he was at your stage and just started sending a fax of his breakdown everyday! and got an earlier offer and he thinks it was just to get him to stop. that makes me laugh. whatever works. i'd say ring them, see what they say, then ring back a day or two later asking if you will be hearing from them soon, then ring back a day or two later and ask if there is anything you can do to help them facilitate an offer. just stuff like that - making sure you keep your on the top of the pile. it won't be long now - i think you'll see an offer fairly soon. here are some threads to h elp with the aq in case it should need to be filed;

Allocation questionnaire

Frequently Asked Questions

Allocation Questionnaire - N149 on-line PDF Version

http://www.hmcourts-service.gov.uk/c.../n149_1105.pdf

Allocation Questionnaires - A guide to completion

Allocation Questionnaires - A guide to completion

Allocation Questionnaire - Draft directions order

New strategy for Allocation Questionaires

 

 

[nettyg]

hey yay lol

i'm keeping my fingers x'd for you

good luck

netty

[syrill-sneer]

I second what Lateralus says, wouldn't worry too much, my AQ was due on the 24th and I recieved a full offer from DG on yesterday, so I wouldn't have thought you have too long left.

[yay101]

Hi, thanks for the support guys!

 

I have sent schedule of charges recorded delivery. I have also faxed this morning to them as well.

 

What about emailing info to DG? I have found an email for D D'Aubney on this forum, however am unsure if I should use this??

 

Also I know where they are and could hand deliver my schedule of charges with no inconvience to myself- is this reccomended, I want to keep on top of them! I might hand deliver a batch of letters......?

 

Any comments?!

[lateralus]

i say go for it - and if you hand deliver, ask for a receipt (just to be awkward), email, whatever, he who shouts loudest get heard.

[yay101]

Cheers!

 

I got fed up of waiting so hand delivered on my lunch! I also faxed schedule 3 times, admittantly (forget the spelling!) by mistake, so they will have no excuse not to get back to me!

 

I will hand over another letter tomorrow lunchtime and this time ask for a receipt and then call on Friday to chase!

 

Could do with the cash! Come on, pay uuuppp.....you know you're gonna!

 

Not wanting to get too cocky!! I will chill out for a bit know, think I might be obsessing slightly............

[aceades]

Hey, i'm in the same boat too - check my thread , my defence was filed on 16th and the only communication i have had was the 10 years too late letter form HSBC. i have sent my schedule over to D+G 6 times and has 2 confirmations it s being dealt with but that was lst week.

 

Do you think they are devising a new means of keeping our money from us ?

 

PAY UP PEASE, i would watch my thread if i were you as i am a few days ahead i guess whatever heppens with mine will happen with yours too !

 

Cheers & Good luck !

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/39182-eades-hsbc.html

[yay101]

Thank you!

 

Will have a look a check your progress!

 

Lets hope you get an offer soon eh!

 

x

[yay101]

Hi,

 

I am looking for those who have a dealine for AQ around 1st week of Feb so I can see how the contact with DG is going/when offers made.

 

My AQ is due on 7th Feb and I want to see what is happening to people in a similar boat to me.

 

Thanks Guys.

 

x

[flunky]

My AQ is 30th January 2007.

 

Not a heard a thing although have left message today.

 

Pay up HSBC.

[yay101]

Hi

 

Advice needed - I have requested my charges etc... and am at the stage where I await to file the AQ.

 

I had a previous debt with HSBC for a credit card which was a seperate account. This was unpaid and resulted in a default and was over 6 years ago and has since been cleared of my credit history record (last time I checked this was sept/oct 2006).

 

I have now had a letter from a debt collection agency stating that that debt was sold to them in May 06 and they now want the money.

 

Is this a ploy to get me not to pursue my claim? This debt was not entered as a defense and as far as I was aware was over 6 years old and that they could no longer pursue? Is this correct??

 

Also this is regarding a seperate account so I am assuming it should have no bearing on what I am claiming under my old current account??

 

Can someone advise me please urgently!!:-x

[yay101]

Yeah,

 

Called DG today (felt brave) and got through to Deborah who advised she was not dealing and transferred me through to a Rachel's voicemail so I left a message and then called back and left a message for Deborah on her voicemail.

 

Help needed! - please see my other thread started today.

 

x

[rmoody70]

Hello

 

Your Claim against the bank is a seperate issue. Keep pursuing it.

 

Search around for the DCA bit - you be able to get out of it if the debt is a certain age , on the site somewhere

[yay101]

Hi, Thanks, Sorry, what does DCA mean?

[yay101]

Help :o,

 

I had a unpaid credit card debt with a bank that defaulted in 2000. The info stayed on my credit rating for the 6 years and cleared automatically last year. The bank (DCA) has now sent me a letter chasing this outstanding debt.

 

Am I still liable?? I thought it cleared after 6 years or is that just from your credit records?

[flunky]

Rachael ans phone seems to go through to Julie Kyle. (bit like MI5 all this).

 

They did not return my voicemail today and to think I stuck up for them the other day . grrrr.

 

will keep trying. I have a day off tomorrow and all the time in word for phone calls etc.

[rippedoffagain]

Limitation Act 1980 (-), [email protected], David Swarbrick, Solicitor, Wrigley Claydon

[lateralus]

think it's debt collection agency.

here's some stuff;Debt Action Group

or use the search in the blue strip line above this thread.

try this link: Creditors and DCAs - Letter Templates & Budget and see if letter M applies.

[lookinforinfo]

If you live in England or Wales, the Statute of Limitations on debt last for

six years from the last time the debt was acknowledged or from the last movement on the account.

if the default was the last recorded item on your account, then that part is

fine. However it may be that the bank or the DCA has written to you since the ccj was applied, and if you have responded, that may have been enough to restart the debt for another six years.

Usually the DCAs just push it, hoping that the debtor does not know of the

Law. If you are certain that you have had no contact with them in the last six years, and your credit file is clear, you can ignore them, but keeping

their letters as evidence of harassment.

 

If you wish to write to them, you must be careful pointing out that the debt

is unenforceable as you run the risk of acknowledging that there was a debt in the first place. Whatever you write, always start the letter by stating you "do not acknowledge any debt" and then saying something like "that debt

appears to be out of date, so you shouldn't be pursuing anyone for it".

[pointsgirl]

My AQ is due on the 6th feb, I have phoned debbie at DG three times this week, keep getting her voicemail, have left messeages but still have'nt received any reply.

But what new i have had that response all the way through this claim they dont seem to want to talk to me

[yay101]

Thanks for the responses guys!

 

Fell at bit more at ease now. Think I will just leave itas not on credit record anyway so should be OK....

 

x:)

[yay101]

Oh well, we can only assume they have a back log to be dealing with. I intend to hand deliver some letters tomorrow.

 

Will keep an eye out each others progress!

 

 

x

[siena]

Hi

 

My AQ is due on the 4th Feb. Have phoned DG today, spoke to Debbie, who put me through to Rachels answering machine. From the trouble you guys have been having, don't think I'll bother to phone again, just going to file my AQ on Monday. Hope we all get our money soon:)