Candice - v- HSBC

[lateralus]

they can't draw a line under it or they would have a year ago -

yes, the ground swell is increasing and because of it we can expect longer waits and tougher treatment. so, it is important not to be scared off by anything they say or do and also to get things right - so they can't argue.

one thing i think we should be telling newbies with hsbc -is they are getting very particular about charges over 6 years - the six years back goes from the date you file (so about 30 days forward from the first letter) any dates before that - they won't consider. also, the overdraft interest - if you are claiming it - must be done spot on - using vampiress' advanced spreadsheet.

welcome to hsbc land, we are a friendly bunch and there are new people every day, i'm sure you'll hook up with some buddies pretty quickly.

try to stay one step ahead on the step by steps - so read a lot more and get your lba ready to send off on 9 march. there's so much to tell - but i think the best advice is to just keep reading threads - everyone has the same questions - you'll find answers on threads faster than if you asked. but if something is bothering you - ask away. we are all helping each other. good luck

[lateralus]

see, you've got a buddy already!

[lateralus]

stick with these:

Example Step-By-Step Instructions

there are links in each step to take you to the templates and sites you'll need.

[lateralus]

tanya - don't include it on your prelim letter - but by the time you are doing the lba it will probably have been charged, then you can include it.

i see you have an abbey thread - are you claiming from hsbc? - if you are - start a new thread in this forum so we can find you and help you out when you need it.

[lateralus]

ok, tanya - here goes: the easy way press here:HSBC Bank

 

and look for this and press: and just give it a title - like TanyaA -v- HSBC or something catchy. type a message and press submit new thread. that's all there is to it!

easy when you know how!

we'll look for you shortly!

[lateralus]

you can add charges right up to filing your claim.

don't ask for the 8% interest until you file your claim.

double check you figures again - wouldn't do to miss any out.

overdraft interest - or the interest with a DR next to it is a different kettle of fish - don't just add that on - if you want to do o/d interest you need to be aware of what it is, how it is figured and be prepared to defend you claim to it. get back if you need help with it but whatever you do - don't just add it on - that would be incorrect.

so if your total is different from the first letter - just call it your "revised schedule of charges"

[lateralus]

yes, go ahead an register and pop in and out - gettng your claim ready for thurs. the only difficult part is getting your partics. into the small space - there is a template in the library and i will post you mine as another example. then when the date comes = you'll be ready to pay and submit.

it 's an empowering feeling when you press the button.

[lateralus]

yes, on the interest.

that's why i put on my partics for example that i send out - i didn't put it into the claim and i didn't get it back - so, you need to fit in "and interest at daily rate of (charges w/o interest x 0.00022) -mine would have been about 40pence a day on charges of 1800 as an example.

[lateralus]

in a few days you will get a notice of service - check the date - they get 14 days from that date to acknowledge -

when they acknowledge - you get a notice of acknowledgment from the court - then they have another 14 to file a defense - 28 in total from the service(issue) date.

 

 

Once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

 

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. DG's details will be listed on page 2 of the ack.

 

 

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

[lateralus]

i think that's the best attitude to take - if you can - wait them out - they will pay!

[lateralus]

very few are getting aq's now - see this thread:

New---after 28 Days - Maybe No Aq!!!!!!! (1 2 3 4 5 ... Last Page)

 

i think it's ok to ring dg once - to see if they've received your breakdown (which you sent, yes?!)

 

after that - it's letters all the way - wait until you get your paperwork which will probably say the aq is being dispensed with and then get to work on a nudge letter for dg - and then one with a breakdown every 10 days until they offer.

[lateralus]

two things, candice. one - you mentioned not sending dg a breakdown until you read netty's thread - so did you send one to the courts - if not - send one now to that new address you've just got and ask them to attach it to your claim - and give the claim number. if you did this earlier - then don't bother.

secondly - as per my thread - you now can start with post 1 - it may help you with what's coming - and also gives you ideas for nudging letters to dg. whatever your local court decides to do - an offer from dg is a better option - and to that end - send a nudging letter once every 10 days.

New---after 28 Days - Maybe No Aq!!!!!!!

[lateralus]

who's to say - i can tell you a good few who have had offers made and are finished now and they were writing nudge letters - had they not - would they have gotten offers - of course - eventually -

i can't say it works - but i can't say it doesn't. i think of each settlement as a win - and that's the goal - so.......

can't even tell you all of them since you last wrote - whatawoman, kat, micheyboo, oyster ........ my mind's gone to sleep - think my body will follow shortly.

[lateralus]

yes, that's fine and yes, send to dg.

[lateralus]

no one been to court yet with this - they settle at the last moment.

i'm working on a theory that dg only deals in two instances - one: if a court date, deadine, etc. is fast approaching and two: they are working their way through a vast pile of claims - by their own admission in several instances "in a strict chronological order" my theory assumes this to be filing dates and we are looking at claims being filed late february now being dealt with so - check your filing date and calculate accordingly.

no one said it would be quick - it is taking longer and longer but they are still making offers - keep on nudging.

[lateralus]

there's a third nudge letter in my aq threads - just after the first and the second - but don't be frightened to take them to bits and rework them and make them your own. i just wrote what i thought might work - they aren't set in stone by any means - feel free to play with them - add to them - do what you like......

i think a nudge every 10-14 days until they offer is acceptable.

add any new info - like court dates, directions, etc.