quidsinn vs hbos

[quidsinn]

hi all just started the process off recouping my dosh from hbos, i've managed to get my statements and have sent a 14day letter to hbos requesting refund of all charges plus interest or i'm going to recover via the legal route ( amount £4200 ), they have till next Thursday 22nd March to respond.

I'm a bit lost as to the best way to progress it at this stage, I am Scottish based and it was my intention to recover through the English courts by using a PO box or an English mailing address as a service address. Can anyone advise me if this is in fact the best route to take and also if there are any pitfalls that I should look out for?

Does anyone know if I can use MCOL using the above method?

Many thanks in anticipation

[debt_mountain]

hi all just started the process off recouping my dosh from hbos, i've managed to get my statements and have sent a 14day letter to hbos requesting refund of all charges plus interest or i'm going to recover via the legal route ( amount £4200 ), they have till next Thursday 22nd March to respond.

I'm a bit lost as to the best way to progress it at this stage, I am Scottish based and it was my intention to recover through the English courts by using a PO box or an English mailing address as a service address. Can anyone advise me if this is in fact the best route to take and also if there are any pitfalls that I should look out for?

Does anyone know if I can use MCOL using the above method?

Many thanks in anticipation

Hi, I used this address and they have made a £5000 part payment, still waiting for another £4000

 

Halifax Bank Of Scotland (HBOS)

Customer Relations

PO Box 548

Leeds

LS1 1WU

 

You can only use Mcol if you have an english address for the court serving the papers on you, this can be a relative etc.

 

I had no issues with HBOS using my home Scottish address and just filling in the N1 claim form.

 

I printed an N1 form from the web, then scanned it and used a picture editing package to overlay text boxes with the information, so I could cram it all in and make sure it was still legible.

[quidsinn]

thanks for the advice,yes its certainly looks to be a bit easier and less messy than having to split the claim.

 

I'll keep you posted as to my progress

[quidsinn]

can anyone advise me if a Post Office PO Box is acceptible to use as a service address????

[debt_mountain]

can anyone advise me if a Post Office PO Box is acceptible to use as a service address????

It will be, so long as you will get the mail within a week or 2 as the court will send updates and orders that you need to be aware of.

[quidsinn]

It will be, so long as you will get the mail within a week or 2 as the court will send updates and orders that you need to be aware of.

 

Superb..... mind you whats the chance of the Post Office messing it up..I'd maybe be better with a private organisation to handle the correspondance......regardless it looks like it'll be party on very shortly:D