HSBC

[craigten]

Yeah im pretty sure what they are for and i can write them in an reprint it, no problem! I only have 1 concern:

1, Will the small possibility of the description of the 6 charges being wrong affect my claim in a big way?

Ps-thankyou so very much for helping me again latty!!

[lateralus]

i don't think so - just cross you fingers and go for it! it will be ok.

[MARTIN3030]

Looks like your questions answered.

You can be sure that the defence will ask for clarification of anything that does not add up.

entries which are descriptive can always be clarified to the solicitors with a note attatched to the schedule /spread saying you have corrected the 6 descriptions.

More importantly is that the figures add up.

[lateralus]

martin, and along that line - you couldn't pop over to microdotster and offer anything could you, pleeeeze. thankx.

[craigten]

Hi again,

I filled out the AQ and sent the draft order etc and enclosed the cheque for £100 and made it out to the court in question and thought that was it for a while but my brother has just texted me to say that the cheque was returned as it was supposed to be made out to her majesty's service not the court so he corrected it and sent it back to the court!! Is this correct?? Im sure i haven't had to do that with my own claim!!

By the way, i had to ask for the claim to be made out to the local court and not the court that was on the AQ, is this why maybe?

[craigten]

****BUMP****

Hi again,

I filled out the AQ and sent the draft order etc and enclosed the cheque for £100 and made it out to the court in question and thought that was it for a while but my brother has just texted me to say that the cheque was returned as it was supposed to be made out to her majesty's service not the court so he corrected it and sent it back to the court!! Is this correct?? Im sure i haven't had to do that with my own claim!!

By the way, i had to ask for the claim to be made out to the local court and not the court that was on the AQ, is this why maybe?

[craigten]

****BUMPY-BUMP****

Hi again,

I filled out the AQ and sent the draft order etc and enclosed the cheque for £100 and made it out to the court in question and thought that was it for a while but my brother has just texted me to say that the cheque was returned as it was supposed to be made out to her majesty's service not the court so he corrected it and sent it back to the court!! Is this correct?? Im sure i haven't had to do that with my own claim!!

By the way, i had to ask for the claim to be made out to the local court and not the court that was on the AQ, is this why maybe?

[lateralus]

i'm sure the info in the claim is to make cheques payable to hmcs so....

it was returned - he's corrected. i'm sure that's ok now.

 

take a look at this thread for helpful hints:

When you have filed your AQ................

[craigten]

Hi, im currently helping my friend with his Hsbc claim and he has made me his own spreadsheet with varios 'charges' on, however, im not incredibly sure some of these 'charges' can be classed as charges. Some of the ones im unsure of that obviously appeared on his statements were as follows:

'unpaid item'

'arrangement fee'

'renewal charge'

'temp. limit fee'

'sterling draft'

 

Has anyone any idea of what these are please?

Also, he included lots of 'interest' on his spreadsheet, all for between £3 and £14, im guessing this is the interest he incurred for using his overdraft??

Thanks for your help-Craig:|

[lateralus]

any help here?Charges description on statements - Please Read

also, don't let him just add interest charges on - that is totally incorrect.

you must use the advanced s/s to calculate what portion of the interest debits are attributable to the charges and can be reclaimed - the advanced s/s does this - but you must follow the guidelines for it.

are these from statements through the post or from the on-line banking site.

arrangement fee is their new name for total charges so ok to claim,

unpaid item is on the list so it's ok to claim back,

 

that's about as far as i know, craig - someone else may know.

[craigten]

Hi again Latty

they are statements through the post, why do you ask?

Your information is really useful thankyou so much!! Oh and i wont be using the advanced s/s, sound far too complicated to me!!

Hey, for my claim i used martin lewis' online canculator because it's so easy, do you suggest i use the s/s on this website?

And am i right in thinking that in the first 2 letters i only ask for the total of the charges and not the 8% interest?

All the best-Craig

[lateralus]

because the ones on-line are a bit unclear and someone told me if you press on each individual charge - it tells what it is for.

 

i'd use the simple s/s - it's easy - but as i said - don't include any interest debits if you aren't doing the advanced - just forget them.

 

yes, only ask for the charges in the first two letters - you must be getting good at this by now - this must be at least your third!

 

i knew i'd heard that renewal fee - so here's the quote "Renewal fee cant be claimed either as it isnt a penalty charge."

i think that sterling draft is like a money draft and that would be a service - and not reclaimable -

 

that leaves that temp.limit fee.

if i find anything out about it, i'll get back.

 

it appears if it was agreed it is not reclaimable: "Temporary overdrafts do attract a fee of £25 a time so it is possible that these have been agreed in advance and are not claimable"

 

HTH

[craigten]

ps- reference 'arrangement fee' being the new name for total charges?-

 

The term 'arrangement fee' appears on my friends s/s in March 2003 and then again in july 2004 but inbetween those two in april 2004 is a 'total charges'!! What do you think? Thanks again for your help!!

[lateralus]

claim it - if it's not reclaimable - dg will soon let you know!

only do that on iffy ones - not on ones we know aren't allowable.

[craigten]

Hi again,

Ok, iv completed the AQ and sent it (along with a copy of the Aq and schedule of charges to DG) on March 27th but since then have heard nothing!! Strangely, i just tried to ring DG on their number on their letter- 0121 455 2701 and i just got a long tone as if iv dialled the wrong number-Any idea what's happened to them? I also tried director enquiries but they had no 'DG SOLICITORS' in Edgbaston in Birmingham!!

Anu ideas please? Thankyou once again:???:

[jowalshy]

Useful Contacts;

 

Rachel Tomlinson 0121 455 2701 racheltomlinson@hsbc.com

Debbie Daubney 0121 455 2111 debbiedaubney@hsbc.com

Kate Eaves 0121 455 2196 kateeaves@hsbc.com

Alan Burden 0121 455 2206 alanburden@hsbc.com

 

Here are all the numbers I found in the contact section. Have a try of some of theses. Except the first one of course.

[Michael Browne]

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

 

Useful Contacts;

 

Rachel Tomlinson 0121 455 2701 racheltomlinson@hsbc.com

Debbie Daubney 0121 455 2111 debbiedaubney@hsbc.com

Kate Eaves 0121 455 2196 kateeaves@hsbc.com

Alan Burden 0121 455 2206 alanburden@hsbc.com

 

Fax; 0121 455 2660

Unknown; 0121 455 2150

[freakyleaky]

Sorry to but in but can I communicate directly with Kate Eaves via email regarding my claim?

[jowalshy]

I sent an e-mail to Kate Eaves, but had no reply.

[craigten]

ps-just tried alan burden on his number and his voice message says he has moved to another department so , apparently, we now have to go through paul kavannah on 0121 455 2109

Hope this helps anyone?

[nettyg]

thanks craigten - another number for our list

[craigten]

Ok people, latest update:

My brother has now had some paperwork from his local court stating that the hearing will now be JULY!!!

Why is it this late? is it due to the sheer volume of people taking banks to court??

Also, DG rang him last week and left a message asking him to contact them on their usual number (which we now know doesn't excist) and he obviously rang it but didn't get a tone!! so i gave him rachel at DG's number and she never answers her phone!! What shall we do people?

Thanks again-Craig

[jowalshy]

Write a letter explaining to DG that you have tried to contact them but unfortunately the number supplied is not valid. Ask them to let your brother know what they were calling about in writing.

[lateralus]

also craig, time for a nudging letter to dg - look in post 1 of this thread;When you have filed your AQ................

the aim is to get them to offer - a letter every 10 days will spur them on.

[craigten]

BRILLIANT!!

Thankyou both for your help!!!