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    • Well done.   Please let us know how it goes or come back with any questions. HB
    • Incorrect as the debt will have been legally assigned to the DCA and they are therefore now the legal creditor. Read up on debt assignment.   Andy
    • Thanks Man in the Middle and everyone it's greatly appreciated form was filled in online yesterday now just have to wait and see
    • Hi,    I'm almost done. One question is should I include a header with " Claimant's Trial Documents" or something similar and include a copy of my WX from the trial since that has the claim form defence and documents that were relied upon at trial so that the judge can see that? or should I assume they will already have those documents on the file and so simply include a short statement of case to show the case I intend to prove at the appeal should permission be granted. Since I've made a shorter concise statement of case setting out what I intend to prove at an appeal hearing I'm thinking maybe removing the header of "Documents/Exhibits for use for Permission to Appeal   " since the permission to appeal focuses on the grounds of law and so I'm thinking of just having   Appellant's documents Statement Of Case Skeleton Argument    Then a seperate category named Trial Documents Claim Form Defence Claimant's Witness statement Exhibibts to Claimant's trial witness statement   I'm wondering you think would be better, only because I don't reference a single exhibit in my appeal statement of case since I am just explaining the undeveloped points of law around why the judge is wrong since the  statement only focuses on permission, not the outcome of the appeal so there is no reference to any exhibits?   Or should I just remove exhibits and not add trial documents or exhibits on the understanding the judge will already have the trial documents and that if permission is granted I then include them in my appeal bundle.   Thanks   N/B My statement of case doesn't have the claim form or defence or any witness staements in. it is simply a short 4 page document setting out the claim history and the points I intend to prove at the final appeal hearing should permission be granted.
    • Tory MPs didn't expect a July GE - and now they're furious. Tory MPs didn’t expect a July general election – and now they are rightly furious | Henry Hill | The Guardian WWW.THEGUARDIAN.COM Sunak’s party has plunged into a short campaign without a plan, says Henry Hill, the deputy editor of ConservativeHome  
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TheBarman vs HSBC


Askthebarman
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Hi,

 

I have been reading through this site for a few days now and have decided to take action against HSBC to try and get back some of the numerous charges they have levied against me. (I have worked out they have taken roughly 2.5k off me in the last 6 years)

 

HSBC is not my main current account and I can afford for it to be closed, what I cannot afford for them to do is to recall a loan I currently have with them.

 

Has anyone had any experience with HSBC closing their accounts?

 

Can/Will they try to close all of my accounts, not just my HSBC current account?

 

Any advice much appreciated

 

The Barman

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It is unlikely they will close your account, but it is a possibility.

 

They cannot demand immediate repayment of a loan because of your actions - your loan will be covered by a seperate contract.

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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Hello,

 

Just hoping somebody could clarify the following for me:

 

 

1) Should I itemise penalty charge refunds on my schedule of charges, or just deduct from the full amount I am claiming?

2) I have built a schedule of charges from my online banking statements, is it still necessary to send the request via DPA to have a statement from them on 'Manual Intervention’?

3) Do you think I should include £10 card 'misuse' fees?

 

 

Thanks in advance

 

 

AskTheBarman :D

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1. you cant claim for something they gave you back, only claim for what they havent given you back

 

2.i would say not , as your preliminary letter has the required wording to get an answer to the manual intervention question, i personally havent done a dpa, just went straight to preliminary after checking my statements online

 

3.absolutely

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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  • 2 weeks later...

Prelim sent 9th june , offer of £2000 out of £2200 rcvd 28th june.

 

Accepted.

 

No non discosure involved, although their new letter states that they are doing this for commercial reasons only becuase of the costs involved of defending this claim.

 

HSBC are still are not officialy accepting liability, although they obviously know they dont have a leg to stand on.

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Dear blah blah blah

 

Thankyou for you offer of £xxx in relation to full and final settlement of the issues raised in my letter dated x/x/x

 

I hereby accept your offer and subject to full payment being made within 7 working, days regard this matter as settled in full.

 

 

love and kisses

 

ASB

 

:grin:

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It's entirely up to you.

 

But personally I wouldn't settle for anything less than the full amount - at the end of the day it's your money, and to me £200 is a lot of money so why should you let them keep it?

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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