pinkduchess v HSBC

[Castlebest]

"#value" means you have a non numerical value somewhere in the spreadsheet's calculation or an error from a deletion.... you will have to check all of your formulas or try again on a blank spreadsheet

pete

[Castlebest]

Don’t worry too much about any of your figures until you get to filing your claim, as long as the unlawful charges are there or there about it won’t matter much because the interest is added by the court (section 69). I doubt HSBC even look at the figures in any detail until they get paperwork from the courts.

 

We calculate interest for the court to make their life easier, they ask you to list it separately on the claim form, god knows with the number of claims going through at the moment they need all the help they can get and it’s a good idea to remind the judge that you want interest too.

 

I didn’t even show interest on my claim until I filed. Once you have filed then your figures shouldnt be altered.

 

Pete

[Castlebest]

Well the modern thinking here tends to prefer permitting the banks to levy charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. And Interest is allowable on unlawful deductions per S.69 County Courts Act 1984.

I think the banks agree as they have never entered a court room on a straight give me my money back claim.

pete

[Castlebest]

MCOL seems to be the way most do it, the online system is straight forward and easy to use with a little help from your friends plus once you have filed you can log onto the MCOL site and see the status of your claim.... and it saves you a journey to the court

pete

[Castlebest]

I think your real name would be better (you will probably have to use some numerical addition) but it is only a title, they have my name correctly stated in the claim particulars. Having said that it might be fun in the court waiting room when the clerk to the court shouts out "Pink Duchess v HSBC"

As far as late nights we all go through that to some extent I think

 

 

pete

[Castlebest]

Now that will raise eyebrows when the clerk to the courts shouts out Mr Pink Duchess.... can I be camera man?

Oh and I have to ask…. Would he dress for the part?.... I picture a Scarlet O’hara costume….

I suspect all of this waiting for 14 days to pass is doing my sanity no good whatsoever….. ho hum…

pete

[Castlebest]

Duchess... my sense of humour gets the better of me sometimes sorry this is serious... there is no way you will see a court, you think your scared.... think what the banks are facing.. they are set to loose billions of pounds if they get it wrong, and they know they are wrong.

You have raised a fair point, my account is a joint account too and I have been acting on my own, I will have to send a release from my other half with my schedule of charges when I receive the acknowledgement paperwork, that should sort it.

pete

[Castlebest]

I drafted a letter of authority anyway and will send it to the court and DG with my schedule of charges just to make sure.

pete

[Castlebest]

I sent mine in with abbreviations exactly as the CAG template. I think the Courts will have seen enough of these by now to know what it means.

 

See how many characters you have spare (it tells you below the MCOL window and replace some of the abbreviations if you can, it can’t hurt to be a little different.

 

pete

[Castlebest]

and me lol

[Castlebest]

There is no need, once you file your claim with the court you say bye bye to uncle Colin and the "Service Quality Team" and hello to DG HSBC's solicitor.

After you file your claim you will be sent a copy of the issued document by the court, a few days later DG will acknowledge the claim (the little window in your MCOL page will change from issued to acknowledged) and the court will send you a letter confirming the acknowledgment with DG's address etc included.

Then write a letter to both the court and DG enclosing your schedule (I have a template I borrowed from Michael for both but its on my machine at work, I will send you copies tomorrow) remember to also mark everything with your claim number.

pete

[Castlebest]

Found the original thread, the letters are on page 2, its a Michael Browne post

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/72807-jw-hsbc-please-help.html

 

All looks good to me

 

pete

[Castlebest]

Well done now sit back and take the ride

 

pete

[Castlebest]

Think most people send copies of their claim schedules when they get the acknowledgement letter from the court because it saves a day or two and the possibility of excuses for delays when DG ask for a breakdown of your charges which they will need before they make you an offer or defend, if you have already sent it they have it.

pete

[Castlebest]

Don’t think it will do anything until the system is ready although I haven’t tried on my page... dare ya !! .. if you press where it says issued it will give a few more details and in a couple of days when it says acknowledged, again it will give you a few details of that.

pete

[Castlebest]

Mich I would start your own thread, you will loose what your saying / asking posting on other's.

 

As for what you can claim for heres the thread http://www.consumeractiongroup.co.uk/forum/hsbc-bank/15518-charges-description-statements-please.html

 

pete

[Castlebest]

aww Colin Luv's you

Adding to what netty said, from the recent threads I have read DG don’t appear to get any paperwork from Colin anyway they just work from what the court and we send them, that’s why they ask for a breakdown of your claim if you don’t send one to them.

pete

[Castlebest]

I think its the volume of people starting to use the site (the snowball is rolling now) I’ve started to get "page not found" messages. I hope the webmasters here are planning for a huge increase in usage because the word is most definitely out now and everyone and his dog will want there money back.

pete

[Castlebest]

Well what goes for Barclays goes for all of the banks because they all run very similar if not the same systems.

 

pete

[Castlebest]

I would think the powers that be here are expecting the flood and have planned for it... Hmmm... maybe we need to start an email address list in case of emergencies.

pete

[Castlebest]

Deep breaths... it will be fine... and just in case Ill pm you my email addy.. although gawd knows what good it will do you lol

 

pete

[Castlebest]

Well lets hope the Judge has a sense of humour if your left with just me advising you

pete

[Castlebest]

Trust me, the Scarlet O'Hara costume won’t suit me

pete

[Castlebest]

Evening PD, good, you will get confirmation in the post in the next couple of days then you can send off your schedule all over again

pete

[Castlebest]

Have you included overdraft interest in your claim ? (have you used the simple or complex spreadsheet?) if you have ignored overdraft interest then leave the paragraph out.

pete