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    • I started paying her old council tax as they said they would jail her I managed to get those account details. We then got back together she moved in with me stopped me going to my house. Eventually let me back in I was there 4 days then the police showed up at 1am arrested me for 8 different offences. On the morning I was in custody she rang the letting agent and asked for the house to be changed to her sole name as I was in jail. The house was changed to her name I was made homeless. The bills she did not change to her name left them as occupier the utility companies then said I had to pay as there was lots more usage than an empty property. My solicitor said if I don't pay them I will be reported for it. It has since turned out that in her old property she didn't pay the bills. The electric bill she put in her daughter's name then cancelled the direct debit the council tax she never attempted to pay. Due to one of the accusations I have since been told I need to pay these bills even after getting emails saying I'm not liable for the bills. I have forwarded these on to the police and solicitors and had no reply. Other than you have to pay these bills. I'm also going to end up paying the bills where she lives now as once again they are not being paid. I can't go in to detail about the case as I'm due to be charged next week not sure what with yet but the police have told me I'm going to be charged.  My ex will not tell me nor can tell me about her debts as she doesn't want me to know how much debt she is in or has put her daughter in once she turned 18. I do not want to be paying her debts after what she has done to me.
    • In the earlier thread (now linked above) you were going to change your name by Deed Poll. Did you do that? Did it solve any of your problems? What, exactly, have you been charged with? Has a court date been scheduled? I cannot think of any reason why the police would tell you to pay your Ex's debts that she incurred 5 years before you met her. Either there's lots of the story you aren't telling us, or you have misunderstood what you have been told, or you are trolling us. Earlier you said it was your Ex who wanted you to pay her debts and, for some reason that  no-one here could understand, you were going to do so. So your Ex can give you all the details of her debts and you can pay them. She can hardly expect you to pay them if she won't give you the account details! I've never known debt collectors be fussy about who pays as long as someone does. They routinely take payments from friends and family to clear debts. It's not illegal to pay someone else's debts          
    • What you've said isn't helping. Please post up a redacted version of the appropriate section of the court papers.  HB
    • Oh, yeah. The law I’m charged with is riding underground without a valid ticket said by SJPN Student Union can’t provide any help, I have contacted them
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Help with claim


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Hello all, I need some help with a claim. I'm new to all of this, and have only been "researching" it from today. I want to claim back from HSBC - I've been with them for as long as I can remember. I need your help on this though. I don't want HSBC to delete my account or anything and to be honest I'm scared in doing this.

 

I need some templates, and an address for HSBC to send them too, and any other support you lot have give me on this forum.

 

I do really hope that there is somewhere out there willing to lend a hand.

 

Cheers.

Kieron

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Welcome.

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.c o....hat-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started are here:

FAQs

Example Step-By-Step Instructions

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

See here:

MIS-CLAIM TUTORIAL or HOW NOT TO GET YOUR MONEY BACK

 

 

Good luck

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Thanks alot for your reply. I have read alot about the process, and seen it on TV - just never though that I would ever do it. I only thought "I could do that" a few hours ago when I saw a post on it on Hotukdeals.

 

I'll read all the threads you mentioned above, and post back here when I've done so.

 

Thanks alot.

 

Edit: One other thing, how do I go about getting the records of charges from HSBC? Do I have to send the letter or is there an easier way?

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You can send the letter or do as I did and get your statements online if your account is still open. You will find all this information in the FAQ's. Just come back with any particular questions. Someone will always answer you!

Welcome to the forum!

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Thanks alot for the warm welcome.

 

I did read about the online banking retrieval, but do you have to copy every one of the statements for the past 6 years? I'd rather send them a letter.

 

Can you fax this letter? And do you have to include a £10 cheque??

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I think I'm going to do it with the online banking method I'm just wondering when I find something that I can reclaim where do I put it to calculate?

 

Do I have to go thru each of the 72 statements and manually retrieve the charges?

 

Cheers.

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi kiewee & welcome

 

getting your figures correct from the start is one less thing to deal with later on if a mistake is made.

 

take your time. yes you will need to go though each statement to pick out the charges. mark each one with a highlight pen or a cross so that you can identify them easily when youre transferring the info onto the spreadsheet.

 

good luck :)

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Thanks all for your replies. I'm going to send off my letter requesting them, because I don't have a printer and I don't have the time to print 75 pages... :p

 

If anyone can help me find a list of any charges that I can reclaim, I'll be forever in your debt. (No pun intended)

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Hello all. I've just calculated what HSBC owe me. £1,787.59 (£1,471.00 without 8% APR Interest). One strange thing though, over the past 6 years the only charges that were aplicable to be refunded upon, were "TOTAL CHARGES".

 

Anyway, I'm happy! Now, I'm going to choose a template letter, change the details to mine, then post it together with this excel printout.

 

One more thing. Should I ask for the money with the extra £316.59 interest on top? If I don't do I just delete the column with the interest in?

 

Thanks for all your help.

 

PS. For the letter, should I use this template? (http://www.moneysavingexpert.com/redir/d8af30af)

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Hi, Don't include the Interest until you file at court.

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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