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gordonhall v HSBC : WON


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We have two mortgages, one for a small flat and our main one on this house. I want to use all the claim money to help pay off the flat we own (only £27K outstanding).

 

I have another thread going somewhere in regards to an "early encashment penalty" that my endowment company want to charge me £5K!!!! just for cashing it in early.

 

I don't know if this "penalty" will fall under the same legal umbrella, but I'm currently thinking about it and hopefully with that money as well, we will have the majority of the mortgage paid off.

 

Watch this space...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Just logged onto moneyclaim today - HSBC have acknowledged my claim.

 

Does that mean they have 28 days form todays date, or from when it was served?

 

Let see how long this can drag on...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Hi,

what happens if they acknowledge but you don't hear from them by the end of the extra 14 days?

 

Then you can apply for judgement by default just the same as if they hadn't acknowleged within 14 days.

 

I'm wondering if HSBC are now changing their tactics and waiting until the 11th hour at each stage. It wouldn't surprise me if HSBC waited until a couple of days before the deadline before submitting a defence thus making me pay an allocation fee and complete an allocation questionnaire. Then, when a court date is set they may offer settlement a few days before court.

 

All this in the hope that we'll give up and go away.

 

OC

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Had my letter from the courts saying that HSBC (DG solicitors) are putting in a full defence. Expected that of course...

 

They now have 28 days from 13th June. I can almost smell the money!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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I'll be keeping everyone posted at every step of the way.

 

And if non-disclosure crops up, I'll be refusing that as well (unless they offer me a HUGE incentive - yeah right!!)

  • Haha 1

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Had my letter from the courts saying that HSBC (DG solicitors) are putting in a full defence. Expected that of course...

 

They now have 28 days from 13th June. I can almost smell the money!

Expect a letter from Debbie D'Aubney at DG in the next couple of days.

 

They will spout the usual waffle about "fully transparent, fully defensible etc" but will make a partial offer. Your following letter, turning down the offer, will result in the money being credited to your account a couple of days later...better blow your nose so that you can get a better smell of it...:)

 

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Nose is clear, but no letter today... come on guys, press that button and get the funds into my account!!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Well, I won't be winning yet - the only letter from HSBC I got today was my statement telling me they are going to take £125 (bad month last month!) off me on 30 June!

Think I'll wait until this claim is setlled then ask for the latest charges back!

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Got my letter from DG Solicitors (the HSBC in house solicitor firm) saying they are paying me to full amount in full and final settlement.

 

Of course, as always, they are not admitting liability, but I'll just have to cope with that.

 

They also insist on confidentiality. I have signed the letter, but crossed out the part that agrees to confidentiality, and just to make sure they don't mis-understand me, I have also added "I do not agree to confidentiality! at the bottom. These amendments are initialed and the letter signed. It will be in the post this afternoon.

 

Whole process has taken about 7 weeks from start to finish. They could have dragged it out further, but they haven't.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Got my letter from DG Solicitors (the HSBC in house solicitor firm) saying they are paying me to full amount in full and final settlement.

 

Of course, as always, they are not admitting liability, but I'll just have to cope with that.

 

They also insist on confidentiality. I have signed the letter, but crossed out the part that agrees to confidentiality, and just to make sure they don't mis-understand me, I have also added "I do not agree to confidentiality! at the bottom. These amendments are initialed and the letter signed. It will be in the post this afternoon.

 

Whole process has taken about 7 weeks from start to finish. They could have dragged it out further, but they haven't.

 

Wahey!! Well done :D

 

I sent my letter off about a week ago now and still no news, no surprise there really!

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I was assuming the money would be in my account within a couple of days - looks like it will be longer then - ho hum, as long as it gets there.

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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That's one down, six to go, although HSBC were my largest target...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Just had a final letter from HSBC solicitors, it reads...

 

 

Dear gordonhall,

 

Thank you for returning the signed settlement letter.

 

We confirm the agreed sum will be credited in the next day or so. If the credit does not appear within the next week please telephone the write and we will chase the Bank.

 

 

Yours Faithfully

 

DG Solicitors

 

 

NOWHERE in that letter does it mention the fact that I refused confidentiality. Not only did I cross out the bit on their previous letter that requested it, I made the added point of writing "I do not agree with this".

 

So for the record, I would say don't agree to it - it's just a final bullying tactic, designed to let you know who is boss!

  • Haha 1

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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Share on other sites

Hehe, well done!!

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

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