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make_me_happy v HSBC ***WON***

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:oops: I believe my journey really starts here.

 

I have written my first letter to HSBC on 1 February 2007 requesting £3,264 in bank charges. No response, although they ensured me that a letter was sent on 14 February requesting the breakdown of the charges I am claiming. On 21 February I sent the 2nd letter with the brakdown which was again completely ignored. In both letters I have given them 14 days to give my money back. They have not complied and tomorrow is the day when I will finally file a claim online with MCOL.

 

I would like to share my experience with all and I will be writing step by step of the process so people can gain from the experience. Once I have filed my claim online I will give you further details.

 

PS - This is a business account, so it will be fun to know what is their approach on this one!!!


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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hiya

welcome to the forum and good luck with your claim.

 

i've got some info on my pc at home, about business accounts but i'm at work now so i can't forward you the links. i'll send them once i get home, unless somebody else jumps in and sends them first.


If i've been helpful in any way....then tip my scales over there!

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Thanks, I would appreciate any help really as I know that business acount is a little bit different from personal.:D


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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if you can find the 'can't find what your'e looking for' link, it's in there


If i've been helpful in any way....then tip my scales over there!

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I am trully happy this morning I have just filed a cliam online against HSBC. UUFFF!!! I am nervous now, let's see how long it is going to take for them to cough up.

Many thanks for everyone in this site, I am very grateful for all the help.

I keep you updated of the progress....


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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Hello everybody,

 

I have just looked online and my claim against HSBC still says ISSUED. How long does it take for them to acknoeldge the flipping thing? I am getting restless...I want it and I want it NOW!!! B******s...

 

Just to think that I still have a long way to wait....!!!

 

It is like giving birth.....:razz:


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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:? I have got a question I hope one of you experts in there can help me.

 

After filing my MCOL I have discovered I missed 18 charges of £28 on my claim of nearly £4K. Stupidity I know, but I had some statements missing and I just decided to ask my business relationship manager for them and I can see those charges which I have not included.

 

I know the answer will be NO, but I will try:

 

Can I amend my court claim to reflect those charges?

 

I just do not want to go about taking HSBC to court twice, otherwise they will definetely close our business account which will be a real disaster!

 

Please advise...:razz:


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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you can change the mcol it will cost £35 non refundable. phone mcol on monday and ask them to do it for you


If i've been helpful in any way....then tip my scales over there!

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Thanks Netty,

 

Another question: I have already sent the schedule of charges to the court and to DG. Does it matter? I can send revised ones.

 

Please let me know.


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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just write to them both explaining that you have revised your schedule of charges and send them both a new copy


If i've been helpful in any way....then tip my scales over there!

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Ok, I have phone MCOL and asked what is the procedure to change the claim amount. They are going to send me a form which I need to fill and send it back to them with a £35 charge no later than 28 March.

 

I understand that this will delay the claim as it will be served again on HSBC when the form returns to the court and they will have another 14 days from the serving date to respond and acknowledge, is that right?

 

Can anyone tell me if they think it is worth doing that for another £800? Or shall I just leave it?

:)


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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Anyone???


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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£800.... erm yeah!

  • Haha 1

If i've been helpful in any way....then tip my scales over there!

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Have just submitted 1st Letter Before Action to my old business account which is currently closed. I am claiming £2,050 from it. Do you guys prefer me to open a new thread or to keep the update within this one?:razz:


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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It makes things easier if you have one thread for each claim so if you have a question then we can look at the history and understand exactly where you are at!! :)


Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Ok i will open another one then...Thanks!!!


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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I have received form N244 from the court today. Anyone has any idea how to fill this form up? Or has any link to a template or something??? Please help....:shock:


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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I have a few queries...

Form N244

 

Part A - I put my name, intend to apply for an order (a draft of which is attached) - I know I have to sttach a new spreadsheet, but is this referred as a draft??? that would allow me to alter my total amount claimed because I missed 18 charges of £28 plus interest for the amount of £581.54 making a new total for the claim of £4,388.61.

 

Part B - which box shall I tick???? maybe evidence in Part C in support of my application

 

Part C

 

I don't know really what to write....maybe

 

I have enclosed with this form a revised schedule of charges with calculated interest to support my application.

 

I would be very greatful if someone could have a look and tell me if it looks fine or I need anything else or write something different.

Many thanks:-|


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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i'll go and have a look at the form and see if i can help... brb


If i've been helpful in any way....then tip my scales over there!

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Thanks Netty it would be most appreciated!!!


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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help????


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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i can't get into the form - i think there's something stopping me from saving it because i'm at work.

 

my advice, ring the court and ask for advice - they're usually very helpful


If i've been helpful in any way....then tip my scales over there!

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Well, I have sent my form N244 to amend my claim on Friday and I have just phoned MCOL and they said that it will take 4 weeks for the judge to review the changes and then they will re-serve the claim against HSBC. Everything will start all over again then.... I think I have another 5-6 months to wait for I reckon....

 

Am I ever going to see this money.....???? I wonder.....:(


Halifax - £245 - SETTLED - in full

MBNA Business - £190 - SETTLED - in full

HSBC - Closed business a/c - £1,850 - SETTLED IN FULL

HSBC - Business a/c - £4,388 - SETTLED FOR £4,100

Nat West Card - SETTLE IN FULL - £124.71

Halifax Credit Card - MCOL 26th May 2007

Egg - 1st LBA 12th May 2007

Are you a business customer, let's join forces subscribe to:

 

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets-6.html#post646109

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