pking v hsbc

[paul king]

this it a brilliant site i have sent off my first letter asking for my money back (£3229.00) they have sent me a letter back same things stalling tatticks so i just have to wait untill tommorow the deadline sending off my lba tommorow for all my money back wish me luck

[gordylar]

wish me luck

 

Paul,

you wont need luck just time and patience.

welcome to the fray .

[paul king]

thanks verry much i am still in amist and scared about going to court with this so what happens when i send the lba letter?

[paul king]

i have already pust the intrest on my spreadsheet which i done from money thingy website so when i put a claim in do i still put on another 8% intrest?

[gordylar]

Paul,

it wont get to court so no need to worry. The 8% interest is added at mcol time not yet. At this stage you are just claiming your charges back. You will however get to add the interest as they rarely full offer before mcol. Think of this as a savings account that you never knew you had with 8% interest .

Just do your homework by reading threads on this site and you will find most questions you have will be answered. If not just ask and you will be answered.

[nettyg]

paul, take a good look around the site and familiarise yourself with the process of claiming. read the faq's and as many threads as you can. we're here to help, but it's a 'self-help' site so you need to build up your confidence and know what you are doing - try and be one step ahead.

good luck

[paul king]

thanks i have been looking at this site for 6 months now and only just bucked up the currage to do some thing about my bank i have sent my lba letter hand delivered to the bank and even got it signed!! cant trust the bank ppl let see what happens now !!!

[gordylar]

Now you have sent off your lba, you might receive a letter from colin langdale saying they are looking into it, however this will be reffering to your prelim letter, you will probably get a response to your lba with a measely offer after you file with mcol. This is probably due to his workload . Just stick to your schedule, if you have been looking around this site for some time you should be fairly clued up already.

[paul king]

i havent had a letter back from hsbc and the dead line was last thursday so i have now done mcol online today at 330pm so do i have to send off the charges to the courts?

[nettyg]

hiya... now you've filed your claim - wait until you get your notice of issue in the post, and send 2 copies of your breakdown to the courts and one to dg solicitors. well on your way now - just have to be patient ok?

[paul king]

ok thanks i am going to be patient now and just wait for them to make thir move!!!

[paul king]

well the 28 days is up for hscb (dg) as of tommorow and they havent filed for a defence yet so i will click the defult judgment and see who gets there first!! i hope they dont do it tommorow fingers cross or i will be waiting ages

[givememymoney]

Keep your fingers crossed but don't hang all your hopes on HSBC defaulting they almost always file at the last moment

[paul king]

hi i have had the defence come through my door they put thir defence at the last second crafty bankers now i have had my claim sent to my own court just waiting till my aq comes in if there is one !! i hope not as i have no money left untill the end of the month and to make matters worse i have had my account closed becasue i wont pay the 500 pounds back that i owe them because i said that they owe me £3500 first and that i actually had to broworow the money because hsbc pushed me to have it becasue of the charges

[pinkduchess]

crafty bankers indeed! you will hear from the local judge next on what direction he will take. there may/may not be an AQ. Even if there isn't though there MAY be an allocation fee. Give the court a ring if you dont hear soon. Hopefully it wont need paying till after pay day.

[lateralus]

give them a good week from knowing they've defended - the courts are busy too!

here's a thread to keep you busy:New---after 28 Days - Maybe No Aq!!!!!!!

[paul king]

i have now had a letter come through the post from the courts it says

district judge has considered the statements of case and allocation questionare filed and allocated the claim to the small claims track on 6th august 2007 in bristol county court

[paul king]

and take no longer than 5 minuites

is this right?

but i never had a aq sent to me nor did i did it they say i would need to send one

[lateralus]

then i'd ring on tues a.m. to the number on the letter and just double check -

tell them that it refers to you sending an aq and that you haven't been sent one nor have you sent one in. the reasons to double check are two, one to make sure that was the correct info for your case and sometimes if a case is allocated (even without an allocation questionaire) there is an allocation fee required - some courts have asked for one to be paid and some haven't - but it seems to be on the claimant to find out - so first find out if that info is correct and then make sure you don't owe them an aq fee.

 

 

i would think if this is all correct - you'd be a prime example of someone who would want to send the draft order for directions anyway as it would bring the goalposts forward. if you don't do one - then start the nudging as per post 1 of both the aq threads in my signature - but here's a link for doing the draft order - Is your court dispensing with the Allocation Questionnaire?(3 Viewing) (1 2) . you'll see when you read this link that the fee is sometimes due (within 14 days) and they don't even tell you - it's up to you to find out.

[paul king]

my court in bristol is not despencing the allication questionaire and they said that i dont need to pay the fee for it because i never filed one and the court had said that my letter to get hsbc defence struck out has now been seen my the district judge and they would let me know soon i have a long way to go now to wait it's annoying!!! so can any one help on what i need for the courts and things i have also phoned up hsbc asking for my statements but they havent come through yet and also i have sent dg a email saying that im still here and wont go away kinda thing many thanks

[paul king]

oh yeah my letter from the courts sataes:

notice of allocation to the small claims track (hearing)

district judge rowe has considered of case and allocation questionaires/files and allocated the claim to the small claims track.

the hearing of the claim will take place at 11:30 on the 6 august 2007 at bristol **** and should thake no longer than 5 minuites

 

each party shalldeliver to every other party and to the court office copies of all documents an which he intends to rely at the hearing no later than 23 july 2007

 

can any one help what do i do now to get the case up to scratch im a bit thick lol

[paul king]

hi sorry ppl but im a bit stuck which t&c on hsbc do i add to the court bundle? help would be kind thanks

[lateralus]

closest you can find to when you opened your account - if in doubt - just use this 2004 one:Attached Filespersonal_banking_terms.pd f this needs adobe to open.

[paul king]

i am a bit stuck on the court bundle i printed it all out but i cant get all my statements in with the bundle because hsbc havent sent me all of my statements they have only sent me 4 years worth and nothing else and what do i need to do to get this court bundle up together? please help

[lateralus]

how did you determine your charges did you claim for any outside the four years they sent you? - if you got them online - you could print those out.

you only need to include the pages of statements with charges on them not all statements.