un1boy v HSBC - SETTLED!

[Michael Browne]

It would probably be better to include the schedule, esp if you've mentioned it in the LBA. It's only an extra 4 days after all

[Michael Browne]

Honestly, Monday will be fine, it won't affect your claim at all.

 

Of course it's a good idea to stick to the timetable, but it not written on tablets of stone. It's better to delay slightly and get it right.

 

Emailing them won't make the tiniest difference. Don't bother

[Michael Browne]

On moneyclaim you are limited to 1080 characters and 24 lines

This should fit, but might need tweaking

 

Claimant has account (A/C No) with Defendant from (Date)conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date) to (Date) of (£0.00) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00).

[Michael Browne]

Credit cards - same process, same letters, but they need amending to where they refer to bank a/c

[Michael Browne]

They now have 28 days from the original date of service to file a defence

[Michael Browne]

They may go through the rigamarole of filing a defence (which will be waffle, impressive looking waffle, but waffle nevertheless) and allocation questionnaire etc, but at some point they will settle.

[Michael Browne]

Have a look here:

http://www.consumeractiongroup.co.uk/forum/barclays-bank/11583-barclays-filed-defence-interesting.html?highlight=HSBC+defence

 

It's from Barclays, first I could find quickly

[Michael Browne]

Look here for advice after settlement:

http://www.consumeractiongroup.co.uk/forum/general/7261-when-you-get-your.html

 

Make sure the cheque's cleared first.