Mark Vs HSBC For £3626

[lateralus]

that's why i say do it for a good few lines to see the pattern - sometimes it adds some - sometimes not, but at the end you get a total. sounds like you are doing it correctly.

 

and the 8% interest is added at claim stage only

 

the daily interest is on the charges only (o/d interest, yes as it is part of the total you are reclaiming - 8% no, else you'd be getting daily on top of the 8% - that's a no-no) so charges only x 0.00022= daily rate.

hope you were able to salvage the head!

[banksripyouoff]

Thanks for that, will continue with it.

7 days to go before LBA

Head salvaged but started to rain now so wont last long, good job i took photo before which is now his desktop background (desktop backgroung at 7! maybe i should ask him to do the s/s for me), very happy boy.

[lateralus]

when you get all that money back - you can take him to see some real snow somewhere!

[banksripyouoff]

well I seem to have a total of £138.45 interest to add on top of my total, which now stands at over 4K and getting bigger by the day.

cheers for the help

[banksripyouoff]

he prefers warm weather so he can go swimming, which I am quite partial to myself

[banksripyouoff]

Afternoon everyone,

14 Days are up on saturday and not a thing off HSBC, nothing new there then. Ignorant gits.I sent the request letter to my local branch, shall I send LBA to the same or to head office in Canada square?

[lateralus]

either, it will get there.

[banksripyouoff]

Cheers Lattie,

another day down, no reply again. I find it very funny considering the amount of times they have phoned and written to me in the past, desperate to get in touch with me.

Just noticed that today they have recalled my D/D for the mortgage as it would have put me £38 over my O/D and charged me £25 for the privilege.

How kind of them, put charge straight on my S/S.

[banksripyouoff]

Hi All

14 Days up tommorrow, LBA all ready to send. would anyone be so kind as to have a look at it to check for me, especially the 2/3 to last paragraphs. Does it sound right?

 

 

My addy

 

their addy

 

 

17/02/07

 

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBERS: xxxxxx, xxxxxxx

 

 

I am very disappointed that you have failed to respond to my letter of the 2ND Feb 2007

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £2,232 plus £111.15 in overdraft interest and £1,838 in charges plus and £23.30 in overdraft interest respectively, which you have charged me. Total £4204.45.

I am enclosing a revised schedule of the charges which I am claiming up to 15th Feb 2007. I have sent you a schedule in my original letter of the 2nd Feb 07

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

Yours faithfully,

banksripyouoff

[lateralus]

just to clarify it a tad - i'd put " on acct. no. xxxxxxx i calculate xxxx+xxx, etc , total: xxxxxx and on acct. no xxxxxx i calculate xxxxx+xxx, etc. , total:

i am reclaiming in total: 4204.45 on two accounts.

or similar - just to make it a bit clearer - separate but together on the claims.

[banksripyouoff]

Thanks for that Lattie,

Letter amended a tad, and now waiting to print off and post, failing a response from HSBC tommorrow morning.

Ever the optimist a full refund might just land on my mat tomorrow

[lateralus]

yeah, right!

[banksripyouoff]

Lattie,

Did I detect a hint of sarcasm in that last post?

[lateralus]

moi?

[banksripyouoff]

Well you were right to be, no letter has arrived. Such a surprise. just picking myself upoff the floor.

[lateralus]

might be a telegram coming later today????????????????

get along to asda and post your lba.

[banksripyouoff]

missed the post office will have to wait till monday morning now for recorded delivery. got some more DPA's to send anyway

[banksripyouoff]

Hi All

Well I sent the LBA first thing monday morning (19th feb) recorded delivery, with revised spreadsheets.

This morning got a letter from our old friend Colin in response to my prelim letter, asking for a full breakdown of the charges I am claiming. Have I done something wrong? as I did include s/s's with full breakdowns of date, amount and description of cost with the prelim letter.

Anyway LBA has been recieved so I guess I will just sit tight for a week then start looking at the MCOL (already registered)

Mark

[banksripyouoff]

Hi all

LBA deadline up on monday, I have registered with MCOL and started filling in the form but there seems to be so many particulars of claims around, shall i just cut and paste the one jonni2bad posted and adjust my personal details to suit my claim?

Cheers

[lateralus]

fine - i'll send you mine - i've sent it to loads - feel free to use or loose.

[banksripyouoff]

Hi Laterus

Thanks for the particulars

LBA deadline up and mcol filled in. Could you just have a look at my particulars :o before I submit and see what you think, had to group things together to fit within the allowed limits.

 

Court

 

Cheers

Mark

[banksripyouoff]

Dont know where those sad faces come from

[lateralus]

mark,

answered in a reply to your pm. can you take the partic. off - the guys upstairs ask us not to post them else nobody needs to log-in. thanks.

 

i've advised doing the N1 because of the detail involved in claiming for 2 accounts.

[banksripyouoff]

Lattie

Thanks for the reply, the partics did fit which is why it was all a bit bunched together. Have taken your advise and gone for the N1 will pm you it when It is done

Cheers

Mark

[lateralus]

i think it will be better.