gregor84 v HSBC ***WON***

[gregor84]

Hello everyone, I sent my LBA off yesterday, after recieving no response after 14 days of my prelim letter. I understand it's pretty common with HSBC to get no response at all, I'd still like to have some sort of acknowledgement though. Ah well, only a couple of weeks now before the "business end" of the claim!

 

I am claiming £2265.00 from HSBC.

 

Wish me luck!

[Rooster-UK]

Hi Gregor.

 

If you are following the route that we suggest, you won't need luck.

But good luck, anyway.

 

Regards, Rooster.

[maleo]

Good luck!

[givememymoney]

As rooster says you won’t need luck just a bit of patience and perseverance

[Castlebest]

Hiya greg,

If you do get a response it will be a standard HSBC reply saying go away in one way or another think at the last count there were 3 standard letters, the last one I got looked like the photostat machine was running out of toner.

Best thing to do is to send your correspondence recorded delivery then you can get an acknowledgement off the post office, at least you know its got there then, bit more expensive but I think worth it.

Good luck, as the others said you won’t need it, everything you need is on this site including support and advice from some very clever members.

pete

[gregor84]

Hello all, I did get a "we're looking into it" reply from Colin Langdale, ignored that and sent my LBA 16 days ago (didn't have the time to do this for the last two days) and so I have issued my claim with MCOL today.

[Michael Browne]

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

 

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.

 

Yours sincerely,

[gregor84]

As far as the letter to the court goes shall I do that right away, ie put it in the post tomorrow morning? I take it that helps things move along quicker so they don't have to ask me for the schedule?

 

Cheers for the advice.

[nettyg]

hi gregor, you send the copies of your breakdown to northampton court because as you filed your claim online - they don't have the details, you just ask them to attach the breakdown to your claim reference number xxxxxxx

[gregor84]

Ok, sent two copies of my breakdown to Northampton court. On MCOL the status of my claim is now "issued", so am I right in thinking they now have 28 days to acknowlege/defend?

[pinkduchess]

5 days after the issue date it is deemed served

 

they then have 14 days to acknowledge receipt & then 14 days to file a defence

 

so its 28 days from the deemed served date

[gregor84]

HSBC acknowledged the claim on 29/3. Is it best to send my breakdown to DG immediately or do I need to wait for confirmation from the court?

[pinkduchess]

I posted it to DG once I got the acknowledgement paperwork through from court. It has the address on page 2.

 

court sends notice of isssue sheet through first & notice of acknowledgement papers a few days later.

[gregor84]

Excellent, cheers.

[ladybird17]

just subbing

[gregor84]

Hello everyone, it has been a while since there has been any development on this, but HSBC have filed a defence on the 26/4 (so using the full 28 days just to be nice and awkward!). I now have the message on MCOL:

 

"You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly."

 

I assume this is all standard stuff and I will recieve my AQ shortly. I did send my charge summary to DG a couple of weeks ago and I'm going to phone them tomorrow and just make sure it's there.

[Castlebest]

Hiya Greg, we have had a little modification to the system, we think the courts are under severe pressure so are trying to spread the load. Have a read of this which should explain what’s happening.

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html

 

If you filed your claim with MCOL just wait to see what your local court sends you. In the mean time, as soon as you get your notice of transfer to your local court do a nudging letter to DG. If you used an N1 you should still get an AQ.

 

pete

[gregor84]

Hello there, haven't updated this for a while becuase there weren't many developments. A hearing date was set for July 10th, and I sent a letter to DG about a month ago when I found that out. No reply from them so I thought they were just going to go to the hearing.

 

However, good news - I've come home from work today to find a letter from DG offering a full settlement of £2485.00 (my original claim plus my court costs)!! I am absolutely over the moon with this. I won't be able to fully rest until the money is transferred into my account but that is merely a formality now.

 

Thanks a million to everyone who helped me on here, I wouldn't have been able to do any of it without the guidelines and advice from this brilliant site and it's members, I will be making a donation.

 

Cheers

[freakyleaky]

WOW Thats fantastic news! Congratulaations.

 

Don't use the acceptance letter they have sent you. Use one of the template letters on here. Just shout if you can't find one.

Had you sent your court bundle in?

[gregor84]

The only thing I sent to the court was two copies of my charges. I'll have a scout round for a template letter, cheers.

[freakyleaky]

Thats good news. They have been waiting until the bundles are produced before making offers up to now.

[Audreygreeneyes]

well don gregor, dont cancel the action till the money is in your accont. and tell DG that..........

 

pst can you ask them to pay me as well, thanks:D

[Rooster-UK]

Hi Gregor.

 

Congratulations..... Well Done!

 

Could you spare a few minutes to complete the winners survey.

 

If you feel that CAG has helped you in claiming back your charges, remember that it is the donations of previous users that has allowed that to happen. If you would like to help us to help the next users in their claims a small donation would be gratefully received.

Entirely up to you.

 

Once again, congratulations.

Regards, Rooster.

[lateralus]

well done,

congratulations!!!!

another winner - hurrah!!!!!

easy, easy

[thefuture]

CONGRATULATION GREGOR84

You lucky devil, I hope I don't have to do a court bundle, though Freaky is looking forward to it.

 

Enjoy your dosh tf x:)