thenanny v HSBC!! ***WON***

[2makemoremoney]

Hello everyone

 

Well I guess this is it. I've been reading the posts avidly, following all the advice and have just watched Martin Lewis on the TONIGHT programme again tonight so I feel a little more confident about getting my £4900 back.

 

Has anyone felt more than a little apprehensive of getting egg on their faces so to speak? In theory I know that they are taking these charges unlawfully but I still feel really cheeky asking for them back. Not the least frightened to death about them challenging me about it and that I'll be in the wrong.

 

I'm a little confused about when to add the 8% interest as Martin Lewis said tonight that you should add it straight away, yet on here it states only add it if you have to issue a court summons.

 

Any advice would be greatly appreciated please.

 

So glad we have this group around to help us.

 

Jo x:)

[cybergypsy]

DON'T ADD the 8% straight away. It's only added if you go to court.

[nettyg]

hello and welcome to the forum.

some sites tell you to add it straight away, this one says no. if i were you i'd stick to the step by step instructions on this one and you can't go wrong.

 

read as much info as you can and build up your confidence - read people's threads to see how their diarised stories can differ and you'll soon be au fait with the process of claiming.

 

good luck

 

FAQs :::::::::::::::::::::::::- PLEASE READ THESE FIRST!!!

Step-By-Step Instructions

[moneymania]

I felt the same way, a little scared wasn't the word!

 

Now the first few are out the way.....bring em on!!!!!

[tomcody]

Hi there don't be scared you'll have help every step of the way! I felt exactly like you just keep reading and reading and reading the great thing is you will make some great friends along the way!

[2makemoremoney]

Thank you everyone thats replied,

 

Its good to know I have the support of you guys on here.

 

Ok I have totalled up all my statements for past 6 yrs on both accounts. One comes to £2911.50 and the other being £2190. Now as this is over the small claims courts £5000 by £101.50, do I slpit it into 2 claims or treat it as one??

 

Gone all jittery just thinking about it, both nerves and excitement I think.

 

Jo x

[moneymania]

Your probably best doing them as two seperate claims, as they are 2 seperate accounts.

[2makemoremoney]

Hi moneymania

 

If I'm doing it as two seperate claims, am I therefore more likely to have my accounts shut down? I have a parachute account ready just in case.

 

j

[lateralus]

why not keep them together up to the claim stage and then decide.

as they are only just over 5k (without interest) they would be alright to keep them together. in the templates - everywhere it says account number or refers to the account, you need to put acct no. xxxxxx and also account no. xxxxxxxx. in big letters maybe underline as well. when showing totals - say: xxxxxx for account number xxxx and this amountxxxxx for account no. xxxxxxx.

think of them as your little twin babies - don't ever lump them except as a grand total sort of thing. the alternative is to do two letters and send them together - but we had one claim where they never looked at the second one - just assumed page 1 was it. i think i'd keep it as two accounts just one letter (this is assuming you are a signatore on both and both are personal accounts - can't do two together if one is a business acct.) so one claim. if you change your mind after the prelim letter or the lba, that's ok and for sure do two well marked spreadsheets labelled with the account numbers.

[2makemoremoney]

Thank you lateralus, that all makes perfect sense.

 

That is right up to when you go on about spreadsheets, lol, cos that bit goes right over my head I'm afraid. If I'm not adding interest at this stage do I still need to do a spreadsheet of the charges?

 

jo

[lateralus]

well, here's the thing - have you a lot of overdraft interest - interest debits with a DR next to them - if so you can add a portion of these on. let me send you on a mission - read this link i'm going to send - after that - hopefully you will see - all will become clear: but first - let me say - you could do a list (not the statements) of charges by date and name of charge but as you are going to all that trouble - why not do a spreadsheet - it is soooo easy - (simple if you aren't doing the o/d interest) (advanced if you are doing the o/d int.) and once you've done the s/s just cover over the 8% interest column for use at the claim stage .

 

non of that will have made any sense - until after you read this: post number 9 on this link: HONEYGIE sees you HSBC! - it has helped a lot of people, hope it helps you.

[2makemoremoney]

Ohhhh thank you soo much lateralus, I've copied your user friendly instructions for the spreadsheet and will now sit with my laptop inputting it all.

 

The overdraft interest does still worry me a little. Do I have to work out how much the difference would be for how much over my overdraft I went or what? I hadnt even added that up in my figures, just the charges for bouncy chqs and total charges. Jeesh i could be owed a lot more hey?

 

This would also mean it would definatley be over the small claims courts £5000.

 

Jo x

[lateralus]

well you can certainly separate them into two claims if you want - if it gets very much over the 5k.

 

as for the o/d interest - that's the beauty of vampiress' s/s it does every bit of the work - just follow the steps - i didn't understand a word - it might as well have been greek and even i did it. just mark them all - then do it again to see if you've missed any - then put them on the s/s - if you are doing the advanced - you put charges on the left side, interest on the right and for the balance at the time of the charge - i just used the line just above the interest charge and used that balance - it figures what portion of the o/d interest you are entitled to reclaim - some times it takes all, sometimes none and sometimes only a portion. you may not see anything to begin with but just keep going and eventually you will see two running totals - one for the charges and one for the o/d interest (thus the two spaces in the template letter - i calc. you have taken from me xxxxx in charges and xxx in o/d interest total:xxxx.xx - which is what you are reclaiming -

if you decide not to do the o/d interest - just use the simple s/s and it figures the 8% which we don't ask for until we file a claim. so just fold over/hide that column for the first two letters. going out now - will check on you tomorrow - but others will help if you run into probs. just give it a go. took me about an hour to conquer it all and i'm old and dumb!

[2makemoremoney]

aaaarrrggggghhhhhhh someone help!

 

I started doing the spreadsheet as per lateralus' instructions and got more than half way thro. Down to line 59 and it stopped adding the calculations up!

 

have I done something wrong??:-?

 

Do I have to do the whole lot again??

 

Someone tell me what to do, never used these before.

 

HELP PLEASE

 

Jo x:shock:

[tomcody]

which bit is not adding up the main total or running toal in the next column?

[2makemoremoney]

It was the running total in next column but got it sussed now, thank you for replying.

 

Bit thick at pc's! Sorry.

 

jo x

[tomcody]

I'm the same still tweaking things even now!!

[nettyg]

lol... there's a whole lotta tweakin goin on!

 

if it's any consoloation, i've been tweaking right up until today!! and i'm filing my aq on friday. you'll get there, both of you

[2makemoremoney]

OH MY GOD!!!

 

I've just worked my way through the spreadsheet, its taken me 4 hrs 12mins and at last I have a final figure for each account.

 

£3662.43 for one account

 

£2723.78 for the other

 

So with a combined total of £6386.21 do I send both with one letter up until the court stage? Or do I treat themas two seperate cases?

 

Thanks to evryone who has helped me tonight with the spreadsheet, esp nettyg, you made me laugh amongst my crisis.

 

Jo x

[Castlebest]

Think you will be better going for two claims, one for each account but I dont see why you shouldn’t inform HSBC on one letter... just keep the accounts and figures separate on the letter.

Uncle Colin will only send you a stock reply whatever you say in your LBA so I don’t see that it matters and if / when you get to the court bundle it will be the same for both claims.

pete

[lateralus]

well, the point of keeping them in one account was to save filing costs, etc. but i think now it's best to treat them separate. you can still send two pages in each letter but make the letters entirely individual - suiting each claim if you do post two letters in one envelope - put in giant sized letters at the top - PAGE 1 OF 2 AND PAGE 2 OF 2. they really don't think outside the box - these people will just probably see page 1 - thinking more - i think i'd send them in two separate envelopes and really keep them separate - better yet - are you the sole person on each account?

if one was joint - you could do it in other name. think i'd use slighly different name if both are yours - like Andy J. Smith or Andy James Smith or A.J. Smith - see if you can use a slight variation. set up two files at home so you don't get confused. i'm confused already! maybe i'll go back to bed for another hour! really glad you got the s/s sorted! did you do o/d interest on either? just curious.

[2makemoremoney]

cONSIDERING GOING BACK TO BED MYSELF, MY HEADS FULL OF ALL THIS AND DIDNT GET OT SLEEP TILL 3AM!

 

oops caps were still on.

 

I put o/d interest on the s/s but when i looked at what the 8% interest would be there were lines with #VALUE! wriiten in the % box ??? Explain please. I hadnt touched any boxes, just clicked on that page to have a sneak peak.

 

Compiled a list now of all other credit facilities I've had in the past that charged me to the hilt when I was off with a back operation. Boy they are going to wornder what hit them.

 

Thanks for your help

 

Jo

[lateralus]

i'm not very good at the s/s really, when i did it i just clicked on the tab charges & interest and did that one - which gave me the charges total and o /d inter total at bottom - then added them together. when i went back to do the 8% int tab - i ended up entering everything over again - don't know if there's a way to do it all at once. but i think - do the first tab - print it, save it, don't loose it. then open it again - press the 8% tab and do it again (twice in your case!). maybe someone will clarify for you better than this. i'm sure if you got it once - you'll be able to get there - just check dates at top and also make sure the formula is showing 8%. nearly there with the s/s. ask again if you aren't sure - and i'll keep mouth shut and let someone who knows more answer, good luck, jo.

[2makemoremoney]

Ok folks

 

Feeling a little braver today after doing the spreadsheets.

 

Do I send the prelim letter to my local bank (and I know the majority of the staff personally in thre!) or do I send it to a head office? If its HQ where can I find address for it as its not in the section I looked in.

 

J x

[2makemoremoney]

Hello folks

 

As I am posting the prelim out tomorrow, do I count 14 days solid from tomorrow making it 12 march that they have to reply by or is it 14 working days?

 

Thanxs

 

Jo xx