Jump to content


  • Tweets

  • Posts

    • The coffee giant is suffering as customers "lose it" over price hikes and other controversies.View the full article
    • Victims as far afield as Singapore, Peru and the United Arab Emirates fell prey to their online scams.View the full article
    • Rights groups warn of state paranoia as experts on hypersonics, the science behind ultrafast missiles, have been jailed.View the full article
    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Myk3yB v HSBC


Mik3yB
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6092 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi folks,

 

I've been reading up on the whole bank charge claims affair and so on for the past few months and was very apprehensive from the point of view of little me going up against the mega corporation of HSBC...

 

After reading so many success stories on these forums I decided that I might be in with a chance.

 

On Friday I wrote sent (by recorded delivery) my prelim letter for £2647 using a template.

 

I've read, in depth, the sequence of events from the successful claimants and hope that it's not too long after the initial 28 days that I get my refund.

I have my LBA letter ready to send on 9th April :)

 

What is the longest and shortest cases for this kind of value? I assume onlt the smaller claims get dealt with within 28 days and the ones over £1k take up to a couple of months?

 

Thanks for any input you guys can give me. I think the forums are great I will donate something if everything goes to plan :)

Link to post
Share on other sites

  • Replies 56
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

You never know at the moment you could in theory get an offer in a weeks time on the other hand it could take three months plus a bit to get your money back. All we can say with a great sense of certainty is that you will get your money back if you follow the process in this forum. :)

  • Haha 1

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

hiya mik

welcome to the forum. it's not about how long it takes to claim back your money, if you're serious about claiming, it doesn't matter - you'll get it back as long as you stick to your timescales, guidelines and advice from here. you'll be okay. good luck:-)

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

Link to post
Share on other sites

...it's not about how long it takes to claim back your money, if you're serious about claiming....

 

I'm not in a hurry as such - the way I see it, is that if I get my money back then I'll treat it as a bonus. If I sat and did nothing I wouldn't ever see a penny of it....

 

I'm just rather skint and could do with the money pretty soon. All good things come to those who wait I suppose.

 

Thanks for the welcome nettyg, and the amount of friendly people on here - it's very refreshing.

Link to post
Share on other sites

Hi MiK3yB and welcome to the forum, its very good to read a thread where the person has obviously read up some before starting, if you stick to your timescales and not let them extend these then in a months time you could be at court stages which is usually the time they pay up, in the end its all the same, any questions ask away, update your thread even when it seems pretty normal stuff so if you require any help peeps can look at the history, good luck.

Link to post
Share on other sites

Hi folks,

 

I've been reading up on the whole bank charge claims affair and so on for the past few months and was very apprehensive from the point of view of little me going up against the mega corporation of HSBC...

 

After reading so many success stories on these forums I decided that I might be in with a chance.

 

On Friday I wrote sent (by recorded delivery) my prelim letter for £2647 using a template.

 

I've read, in depth, the sequence of events from the successful claimants and hope that it's not too long after the initial 28 days that I get my refund.

I have my LBA letter ready to send on 9th April :)

 

What is the longest and shortest cases for this kind of value? I assume onlt the smaller claims get dealt with within 28 days and the ones over £1k take up to a couple of months?

 

Thanks for any input you guys can give me. I think the forums are great I will donate something if everything goes to plan :)

 

there's just no telling what kind of timescales there are in respect to getting your money back. my first claim took me 4 months to the day and it went as far as me filing my aq - they offered full settlement on the day it was filed!! (godamn), my second claim - which i wasn't so 'precious' about was offered after only 2 months and before i filed a claim in court. i think patience is the order of the day - you will get it back

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

Link to post
Share on other sites

Hi Mik,

 

I'm fairly new to it all aswell, claiming £3069 back from HSBC. I sent my prelim and received a standard 'we note your concerns' letter with an enclosed leaflet. Stuck to my schedule and sent LBA, their 14 days will be up on Monday. No response to my 2nd letter, so have to go the whole hog I guess.

 

Good luck, I'll keep you informed!

Link to post
Share on other sites

Hi Mik,

 

I'm fairly new to it all aswell, claiming £3069 back from HSBC. I sent my prelim and received a standard 'we note your concerns' letter with an enclosed leaflet. Stuck to my schedule and sent LBA, their 14 days will be up on Monday. No response to my 2nd letter, so have to go the whole hog I guess.

 

Good luck, I'll keep you informed!

 

like we just need plenty of shiny leaflets to read through right?? lol

sorry but i wallpapered my walls with the letters that came back from colin langdale so no room for shiny leaflets lol

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

Link to post
Share on other sites

Particularly like the part of the leaflet that says;

 

' If we are unable to resolve matters on the spot, we will send you a letter of acknowledgement within five working days to confirm that we are investigating the matters you have raised.'

 

This came 8 working days after prelim and clearly covers LBA too!!:p

 

Although, I have used it since to jot down all the tel numbers and email addresses for DG staff, funny feeling I'll need 'em soon!

Link to post
Share on other sites

yes, hi mik3yb - sounds like you are in good hands.

if i may, i'll just point out a couple of beginner's common misteaks (ha) just so you don't fall in -

are you considering claiming for those interest debits which you see on your statements - that is overdraft interest and you can't just plop them on with the others - they need to be figured on the advanced s/s - reading the instructions - get back if you need help. or ignore the interest debits and use the simple s/s.

which brings me to my second - beginner's mistake - don't send statements with your prelim or lba - you must send either a list with date, name of charge and amount or you send the simple s/s with the 8% interest column hidden - as that is for when you file your claim and not before.

welcome to the forum - good luck with your claim.

Link to post
Share on other sites

yes, hi mik3yb - sounds like you are in good hands.

if i may, i'll just point out a couple of beginner's common misteaks (ha) just so you don't fall in -

are you considering claiming for those interest debits which you see on your statements - that is overdraft interest and you can't just plop them on with the others - they need to be figured on the advanced s/s - reading the instructions - get back if you need help. or ignore the interest debits and use the simple s/s.

which brings me to my second - beginner's mistake - don't send statements with your prelim or lba - you must send either a list with date, name of charge and amount or you send the simple s/s with the 8% interest column hidden - as that is for when you file your claim and not before.

welcome to the forum - good luck with your claim.

 

I'm not claiming for the interest figures, just the total charges, recall charges and notified fee charges. They're all extortionate. Ranging from £27.50 in 2001 and 2002 and then they are even higher more recently.

 

I checked on the Royal Mail site and the prelim letter has been signed for.

 

If I am wrong in any of my figures (which I don't believe I am (hopefully)) I can make any double checks/amendments when I come to send my LBA.

 

I haven't added any percentages at all at this point, it's just the flat fee's that I have quoted on to them..

Link to post
Share on other sites

Good evening folks,

 

Although I have sent off my Prelim letter last week I just want to double-check with people as to what I have claimed for.

 

I reference to the Bank Charges thread/FAQ in bold.

 

* returned direct debits - I have claimed these at £30 a charge.

* card misuse fees - I have claimed on a couple of these, £10 and £30

* unpaid standing orders - n/a

* unpaid item fees - n/a

* exceeding your overdraft - I have claimed for multiple charges at £27.50, £30, £50, £75, £100 & £125

* referral fee - n/a

* overdraft interest (see below) - I didn't include these.

* total charges (see below) - The exceeding my overdraft charges above were listed as "DR Total Charges" on my statements.

What do you guys think?

 

 

 

Also, to go along with all the other threads of this nature can an admin or mod change the title to "Mik3yB Vs HSBC" ?

Link to post
Share on other sites

Small update -

 

Received the standard "thank you for your letter etc etc" this morning.

 

Colin Langdale is asking for a breakdown which I omitted from my prelim letter - I will include this with my LBA on Friday.

I have also in the meantime signed up online for MCOL so that is all prepared.

 

Funny thing about this letter is at the bottom it says he has included the spare sheet of toilet paper - erm... I mean leaflet..

 

They must have run out..... ;)

Link to post
Share on other sites

  • 2 weeks later...

Sent my LBA today via Recorded (with schedule of charges this time!).

 

I know it's over 14 days since my Prelim, but the Bank Holiday messed things up.

 

I have however, been a bit cheeky and dated the letter 6th April (14 days from Prelim). Letters have arrived from then ages after the date printed on them, so why can't I? ;)

Link to post
Share on other sites

  • 2 weeks later...

New update!

 

Claimed on MCOL website for the amount including the 8% interest (taking the figure over £3,200..!

 

Will print out two copies of schedule of charges including the 8% interest from work tomorrow and send recorded delivery to the MCOL along with the covering letter asking them to attach the schedule to my claim.

 

Then I wait... ooh errr... :S

 

Wish me luck!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...