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    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
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Myk3yB v HSBC


Mik3yB
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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 :)

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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. :)

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Guide to claiming back your bank charges

 

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

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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!

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...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.

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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.

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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!

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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!

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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!

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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!

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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.

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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..

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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" ?

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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..... ;)

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  • 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? ;)

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  • 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!

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