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ells888 vs HSBC - help needed!!


ells888
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Hey all, Im a 'new un' !! and could use all the help given plz. Iv just got all my previous statements off line, and am currently reading up and trying to take it all in, im so confused! so any tips greatly received.

Thanks x

xXx ells xXx

:)

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Hi there,

 

Take your time to read, read, read the forums untill you are happy about the course of action you will be taking.

 

You will need to summarise your charges so you can send the summary to HSBC together with the first letter which is asking for your money back, this will give them 14 days to refund the money, if after 14 days, you have not received your money back, another letter (LBA - Letter before action is sent) together with another copy of your summary of charges, giving them another 14 days to repay the money, if after that time they have not refunded the charges you will then need to issue court proceedings.

 

Can I ask how much your charges are?

 

Did HSBC force you into having a managed loan at all??

 

also, IF IN DOUBT, ask :) NEVER be too frightened to ask for help, this is what we are all here for :)

 

Good luck

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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Thanks Tigs, your info's a great help as i am a dizzy blonde!! My total charges are £1450 and thankfully i wasnt bullied in2 a managed loan. I have a back up account but fingers crossed they wont close this account.

Thanks again x

xXx ells xXx

:)

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Happy to help, if you need any clarification just ask.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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I am trying to open the spreadsheets on my lap top and having some difficulty? Does any1 have any ideas why please? Sorry it may be a blonde question again:confused: x

xXx ells xXx

:)

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