Reply from hsbc

[Castlebest]

Spot on Molly

 

pete

[molly1959]

Hi

 

I have sent off copies off charges to solicitors, so just have to wait to hear from them. I am just trying to do daughters boyfriends he is with HSBC but the layout of his account is differant and you have to go back to the begining of the statement and go through all the years:mad: His go back to 2002 and it just says total charges and not if they are dd/so etc so am i ok to just put total charges for all of them on the spread sheet?

[Castlebest]

For personal accounts yes just copy what HSBC put on the statement.

 

pete

[molly1959]

Thanks Pete:)

[molly1959]

Hi

Not sure if any one can help We had a loan with Endeavour Personal Finance for 6,500 think it was in 1996 we took it out any way fell into problems paying it they took us to court to reposse our house but they were not allowed and judge told us to pay think it was around £181 a month we had 4 years left to pay so we never missed a payment when the 4 years were up i rang them to say we were all paid up, They then told me we had not paid any interest in the last four years and still owed them £8,000 i was near suicidle by then they would not budge but in the end we had to remortgage to pay it off. I have not got any details of my account number with them. Was wondering if i would be able to claim any charges back as we were always getting charged for letters late payments etc and a £6,500 loan cost us about £15,000 think it was around dec 2004 we paid it off.

[freakyleaky]

If you have recived charges for late payment and the like and you feel the ammount charged was exsessive then why not put in a claim against them. You will of course need all the details of the charges.

[lateralus]

you might like to compare notes with this person - he too is looking into seeing what's what.... read his thread and maybe he can tell you what he's doing about it

Kennythecelt V Endeavour Personal Finance, HSBC

[molly1959]

Hate hsbc even more now, went to see them on friday as we are struggling with our mortgage and our overdraft is going up and up because of charges not at all helpful wouldn't add o/d to mortgage said i would be better off selling up and getting a cheaper place and pay them back, as i told them we only bought an x council house so not exactly living in the lap of luxery. They asked why our mortgage d/d had been cancelled and have we got another bank occount else were i denied we had, as my mortgage payments are going out my daughters account. I asked could they not freeze the interest on my o/d no chance they said, this was all from a kid who was no more than 19 She did ask me if i had thought of claiming bank charges back, so i acted soft ha ha not hard to do, i didn't say i was so it must not come on screen that we are doing this so i will be trying my best to get a chq back from them as not much they can do about o/d and i am still, paying my mortgage all d/d go out of my other account. Well thats my rant of my chest feel a lot better now.

[molly1959]

Hi

 

It say on mcol that hsbc have acknowledged my claim on 28th june so is it 4 weeks from that date 26th july is that right thanks.

[Castlebest]

Hiya Molly, on the first notice of issue of your claim you got from MCOL there is a "deemed served" date, DG have 28 calendar days to submit their defence from that date.

 

pete

[molly1959]

Hi

 

Just looked on my notice of issue it says '' Your claim issued 26th june the court sent it to defendant by first class and will be deemed to be served on 1st july. the defendant had till 15th july to reply. Then i got Notice that acknowledgment of service has been filed that just says on the front 28th june so which date do i use. Thanks

[lateralus]

i'd say you could start checking the status of your mcol claim around the 24th of july - just check each day - to see if it's changed - you might try pressing the judgment button once each day but don't keep pressing it - i know someone who did and it caused a bit of a meltdown on his claim. by the 24/25th i bet they have filed a defence and it will say "you can not proceed on mcol".. then you know they have defended.

[molly1959]

ok thanks will look for that.

[Castlebest]

yes their deadline date is the 1st July plus 28 days = 29th July so a few days before they should defend.

 

pete

[molly1959]

Hi

 

Thanks Pete will keep a look out.

[molly1959]

Hi

 

Today my daughter and i received an offer of HSBC say's without predjudice and they are not admitting liability. The offer is around £500 les than each claim and they are saying it is a full and final settlement. We have got 10 days to reply. We don't want to accept as have already done mcol and thay have only got till 29th july to defend claim. The address to reply to is still Hsbc what is my best move to take now.

[jowalshy]

You can send a partial acceptance letter accepting the offer on the basis that the rest gets forwarded on to you within the next 10 days. Here is a copy of the letter I sent.

 

 

Thank you for your letter dated xx.xx.2007 offering £xxxxx.xx in full and final settlement of my request of the bank charges you levied from our account during the last six years. We are prepared to temporarily accept the sum offered as partial settlement on the clear understanding that the remainder of £xxxx.xx is to be paid within the next 10 days. This amount is made up of £xxxx.xxx being charges levied from our account as detailed in my letter before action dated xx.xx.xx, £xxx.xx being the interest claimed under section 69 of the County Court Act 1984 at 8%, and £xxx.xx being the amount paid by ourselves for the claim made against you via Money Claim Online on xx.xx.xx. We have enclosed a copy of our letter before action together with a schedule of the charges and interest claimed.

Please note we are claiming £x.xx per day in interest at 8% until this matter is settled.

Yours faithfully

[Castlebest]

Hiya Molly, think you will find HSBC will back off anyway when they find out you have submitted your claim to court but Jo's letter does a nice acknowledgement and refusal job all in one go without you actualy saying no

 

pete

[molly1959]

Hi

Can i ask for mine to be paid in a chq to me and not in my bank account at this stage.

[molly1959]

Hi what figure do i put in my letter for the daily interest i've not asked for this in my claim.

[pinkduchess]

you cant claim this now if it wasnt in your particulars of claim.

[jowalshy]

Daily interest is calculated by taking the total amount of charges you are claiming and multiplying it by 0.0002. e.g total charges = £1500.00 then daily interest would be £1500.00 x 0002 = 30p. Then take the number of days since you filed your claim and multiply it by the daily interest figure.

 

Of you haven't specified that you are going to claim this then I don't think that you can claim it now

[molly1959]

Ok thanks would i ask now for a chq instead of going into my account?

[jowalshy]

You can ask that in your letter. Just state that you want the repayment in the form of the cheque which is to be made payable to xxxxxxxxx

[molly1959]

Hi

 

Sorry to be a pain but my letter before action is on a floppy disc and wont open for me keeps saying cant open the disc and the date i sent it is on there can i just do another one and send that?