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hmm thats 3 preliminarys that i know of that they will be receiving at the same time ;)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Be the former, never the latter. Good luck.

 

Just an update. Posted prelim letter, they have until Monday 5th June to respond. Thus far, zilch! Is this normal? Perhaps they will take more notice of the LBA? I have a call minder at home and have noticed that they have been ringing at least 6-8 times a day. Wonder if this has anything to do with it? If I am in and they ring, I ignore it. I don't want to get into a conversation over the phone about this!

 

Notice this is getting far more publicity now, Daily Mail article today and a whole item on it on GMTV this morning! Good, it all helps! :):)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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To be honest, you are not likely to get a response until your second letter...but you need to follow the timetable nonetheless. You will get your money though...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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To be honest, you are not likely to get a response until your second letter...but you need to follow the timetable nonetheless. You will get your money though...

 

Thanks Spiceskull! You always make me feel better!:)

 

Anything you can do for sore throats and a runny nose?:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Anything you can do for sore throats and a runny nose?
...ummm...no! Fraid not :|

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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To be honest, you are not likely to get a response until your second letter...but you need to follow the timetable nonetheless. You will get your money though...

 

Well well well! Today is the last day for HSBC to respond to my prelim before I send an LBA. In the post this morning I received a letter offering me £1,150 of my claim of approx £1,350!! What a surprise! It was the usual guff, "mindful of management time and irrecoverable legal costs" and "without any admission of liability whatsoever". Also refers me to the Ombudsman if I am dissatisified.

 

What next? Do I accept the amount as an "interim" payment and say I will pursue them for the rest or do I refuse it whole amount and continue with my claim as usual?

 

Any comments gratefully received!

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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What next? Do I accept the amount as an "interim" payment and say I will pursue them for the rest?

 

Yes.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Yes.

 

Right, I have decided to accept the £1,150 they offered me as an "interim payment". Letter going something like this : Desperate for input, so any changes/advice much appreciated :

 

Dear Mr Beaumont,

 

Thank you for your letter dated 2 June 2006 offering me £1,150.00 of my total claim of £1,378.00. I am pleased to accept this amount as an interim payment, however, I must inform you that I will be pursuing my claim for the remaining amount.

 

Furthermore, you have applied a further £30.00 to account no : xxxx and £100 to account no xxxx, increasing the total claim to £1,508.00. Therefore, I will be taking action to recover a total of £358.00.

 

As a courtesy, I am willing to extend my deadline by a further 14 days before issuing my claim to the County Court.

 

Yours sincerely

 

Cornucopia

 

 

THIS SOUNDS CRAP! THERE ARE SO MANY DIFFERENT EXAMPLES OF THESE LETTERS, COULD SOMEBODY HELP ME??!!! THANK YOU!!! :D:D:D

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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dont give them another 14 days imo, have they said in their letter that its the best offer they will make? and thats it, if so then you cant expect a reply from the bank for a better offer and you should procced to mcol

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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dont give them another 14 days imo, have they said in their letter that its the best offer they will make? and thats it, if so then you cant expect a reply from the bank for a better offer and you should procced to mcol

 

Hi there, thanks for response. They have said "in full and final settlement". The situation was :

 

I sent a prelim.

 

Offer received from them the day before LBA due to be sent (ie : yesterday).

 

If I had sent the LBA I would have had to have given them 14 days to respond before filing a claim, therefore I thought it was right to extend that courtesy. Others seem to have done the same.

 

Am I going wrong here???!!!:eek:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Your letter was wonderful, although I agree that 14 days is too generous. Personally I would say "As a gesture of my good intentions, I will offer the bank a further seven days to reflect on their position before pursuing the matter in court."

 

This give a decent turnaround time for your letter and theirs. It's your timetable, you are able to stretch it, but don't let them dictate the agenda.

 

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Your letter was wonderful, although I agree that 14 days is too generous. Personally I would say "As a gesture of my good intentions, I will offer the bank a further seven days to reflect on their position before pursuing the matter in court."

 

This give a decent turnaround time for your letter and theirs. It's your timetable, you are able to stretch it, but don't let them dictate the agenda.

 

Good luck.

 

Ahhh Spiceskull!!! Crap at sore throats but wonderful with charges!!!! :D:D:D

 

Thanks so much, I will take advice given and give them 7 days. So just to be clear, if they don't write and agree to refund the whole lot within 7 days, on day 8 I just file a claim with Money Online? Should this happen, do I file a claim for the whole £1,500 or just for the extra they are currently unwilling to pay given that I will be agreeing to accept thier initial offer of £1,150?

 

Thanks for all your help everybody! Fingers crossed! :)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Good luck, i'm paying attention!

:)HSBC Current - Prelim sent 2/6/06 £1060 Reciept confrimation 5/6/06

:mad:HSBC Credit - Statements requested 6/6/06 - I reckon around 500 notes.

;)NATWEST - Parachute account opened 4/6/06

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Should this happen, do I file a claim for the whole £1,500 or just for the extra they are currently unwilling to pay given that I will be agreeing to accept thier initial offer of £1,150?
You claim for the full amount less anything they have given you as part payment...ummm...ummm...whether or not you accept a part payment is up to you. But whatever you do, anything short of the full amount means you will raise your claim...;)

 

Also, and don't forget this - however you raise your claim, you need to particularise the list of charges. Effectively this means printing off the spreadsheet, and sending a copy to the bank and adding/submitting a copy with your claim form. Apart from the list of charges, it needs to include the following:

  • Your Name
  • Bank Name
  • Claim Number (if you have one)
  • Bank sort code
  • Bank account number
  • Claim period (ie June 200 - June 2006)

Good luck.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Spice, I thought that it wasn't necessary to produce an itemised list of charges at the initial mcol stage because there isn't space. I figured that this could be provided at allocation questionnaire time.

 

Should I be sending a list of charges to my bank now then?

It wasn't the case, but it seems to be that banks are using 'non-particularisation' as a delaying tactic, and therefore something that needs to be avoided if possible.

 

If you raise the claim in person, then providing copies for the court and bank is straightforward. If you use MCOL (I haven't) I understand that there is a ticky box that gives you the option for "documents to follow by post" - tick the box and send copies to both places.

 

It's a pain, but not as painful as adding weeks to your timetable...:-|

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

Hi everybody, update on my HSBC claim. I wrote to them accepting their partial settlement but reminding them that I would be going to court to claim the rest. I have heard exactly nothing. Tomorrow is the last day before I submit my claim. Having accepted the interim payment, do I just carry on the claim for the excess, or do I claim for the whole lot? I am mindful that I could severely screw this up given they have not responded to my letter of acceptance of an "interim payment".

 

Also, just as an aside, they have started messing us about big time. They bounced a cheque on my account the other day, even though funds were available and then we received a letter saying that they would be paying no more out of our joint account as it was over the overdraft limit (there is nothing to come out before I get paid so it really isn't an issue and it only went over the bloody limit because of thier charges!). Interesting that it is usually our branch who write to us, however, this time it was Mr Bowden in Sheffield! How peculiar! Also, we have a call minder on our phone and are getting in excess of 10 calls a day from them. As it comes up with HSBC when the phone rings, we haven't been answering it, but I am getting a little hacked off with 8.15 am calls on a Sunday morning (oh yes!). I might have to take that up separately, it is pure harassment.

 

We have never had any trouble with them before but suddenly they are stamping their little feet all over the place! How co-incidental that this all happened post-DPA request!

 

Anyway, as usual, all advice welcome, especially from you Spiceskull!!:-)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I did exactly the same accepted their offer as part payment. They didn't reply so I filed my claim. I then received a letter from them dated the day they received my claim indicating that they were sorry I didn't accept and they were withdrawing their offer.

 

I hope that you here something by tommorrow offering you ALL your money.

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I did exactly the same accepted their offer as part payment. They didn't reply so I filed my claim. I then received a letter from them dated the day they received my claim indicating that they were sorry I didn't accept and they were withdrawing their offer.

 

I hope that you here something by tommorrow offering you ALL your money.

 

Hello, thanks for your response. Did you file your claim for the whole lot or just the amount that was in excess of thier offer? I am assuming that I will also get a letter withdrawing the offer as this seems to be the norm. What has happened with your claim since? :)

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Can someone please give me just a basic breakdown of how the whole claim process works.

 

Been on here for a day or two (obviously not constantly! :-)) and am a bit confused, I just want a basic breakdown of the process.

 

Ie DPA first ?? ( I still dont know what this is ?)

Letter of Compliance ??

 

etc etc

 

Anyones help much appreciated :-)

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Hello Deckerbus, and welcome!

 

It is best if you start your own thread, have a dammned good read of the FAQ and you will be on your way!

 

Crusher:-D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Can someone please give me just a basic breakdown of how the whole claim process works.

 

Been on here for a day or two (obviously not constantly! :-)) and am a bit confused, I just want a basic breakdown of the process.

 

Ie Data Protection Act first ?? ( I still dont know what this is ?)

Letter of Compliance ??

 

etc etc

 

Anyones help much appreciated :-)

click the link in my sig ;)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Hi everybody, update on my HSBC claim. I wrote to them accepting their partial settlement but reminding them that I would be going to court to claim the rest. I have heard exactly nothing. Tomorrow is the last day before I submit my claim. Having accepted the interim payment, do I just carry on the claim for the excess, or do I claim for the whole lot? I am mindful that I could severely screw this up given they have not responded to my letter of acceptance of an "interim payment".

 

Also, just as an aside, they have started messing us about big time. They bounced a cheque on my account the other day, even though funds were available and then we received a letter saying that they would be paying no more out of our joint account as it was over the overdraft limit (there is nothing to come out before I get paid so it really isn't an issue and it only went over the bloody limit because of thier charges!). Interesting that it is usually our branch who write to us, however, this time it was Mr Bowden in Sheffield! How peculiar! Also, we have a call minder on our phone and are getting in excess of 10 calls a day from them. As it comes up with HSBC when the phone rings, we haven't been answering it, but I am getting a little hacked off with 8.15 am calls on a Sunday morning (oh yes!). I might have to take that up separately, it is pure harassment.

 

We have never had any trouble with them before but suddenly they are stamping their little feet all over the place! How co-incidental that this all happened post-Data Protection Act request!

 

Anyway, as usual, all advice welcome, especially from you Spiceskull!!:-)

 

 

Just bumping this question............

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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I put in a claim for the full amount including the 8% interest which I worked out using the spreadsheet provided in the templates. It has since been acknowledged by HSBC but I'm still waiting for either a letter indicating their defence or an offer.

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When I was offered a partial refund, I wrote back basically saying I accept this partial offer, but any amount outstanding from the total claim that's not received within 14 days will be pursued though court + 8% interest.

 

They wrote back with the standard response of 'we do not agree with your claim' blah blah, and no refund whatsoever. So I filed for the total outstanding as promised which was my full claim and included the 8% on top.

 

I would sugest you do the same. Any amounts received after you file, will be taken into account by the court and deducted from the total. I believe you have to let them know as soon as you receive any.

Claim against HSBC for £1379.41 (incl overdraft interest charged and 8% interest)

 

Data Protection Act request delivered 10/03/06

Statements received 06/04/06 (for free)

Initial repayment request delivered 18/04/06

Poke it letter received 27/08/06

Letter Before Action delivered 04/05/06

Offer of £927.50 (all charges but not interest) received 18/05/06

Unconditional acceptance and Final Letter Before Action (me being generous) delivered 30/05/06

Poke it on all counts letter received 07/06/06

Court Claim Submitted 11/06/06 (claim number 6QZ37645)

Acknowledged 15/06/06

Full offer made for £1499.41 and accepted 20/06/06

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