stephie V HSBC *WON*

[stephie]

Let me know when the courts send you the letter stating that HSBC intend to defend! They've got until the 20th to respond to mine then i win by default. I know it's all the same in the end but i'd rather not win by default!!

[andyinlondon]

will do ...... might turn into a race

[gollum237]

Have they acknowledged either of yours yet because they haven't mine?

Then again they may be a bit busy at the moment!

 

Perhaps it's you two that are holding up my claim!!

[andyinlondon]

they did mine on the 4th but i am taking delivery from the 2nd and counting from then 26 days to go

[stephie]

I thought they only got 14 days to respond to the claim??? Why have you given them so long? My coutr form said they have until the 20th to respond then i win by default!

[stephie]

Sorry, im being thick...it's because they've responded to your claim obviously!!! They've not responded to mine yet, out of interest, who's name did either of you put as the defendant or did you just put HSBC?

[gollum237]

I just put HSBC Bank PLC on mine, and I'm still waiting for an aknowledgement!

[andyinlondon]

i put hsbc on mine too.

they get 28 days if the acknowledge the mcol from the court.

 

not my choice unfortunatly

[stephie]

Evening All!

Slightly worried now as i put David Lewis name as the contact for the bank. I read it to mean they needed an individuals name, and as head of customer relations i thought he seemed appropriate! Do you think this will make a difference? I'm wondering why they've responded (to Andy) and not to me? We seem to be on the same time scale pretty much...he also had an offer and i didn't!!!!!!!!I think it's favouritism

[HSBCrusher]

Makes no difference at all, I dare say that all the letters are opened by the same staff, and standard letters sent out.

[stephie]

Thank You! Feel better now:)

[stephie]

I've just checked online and the bank has acknowledged my claim! So the next step is for the bank to say they'll defend? Then they'll send me an offer?

Can anyone offer some sort of time scale?

[andyinlondon]

i am in the same boat ....... just a waiting game. my guess would be in the next 2 to 3 weeks, but they could leave it till the last min and then file a defence and get another 14 days that way ... so worst case senario would be 6 weeks.

 

but i don't think it will be anything like that long

[gollum237]

Just checked mine, still not acknowledged. I may be better off now waiting for the 14 days, which is the 18th.

[stephie]

Gollum,

If you ring this number, 0845 6028006, it takes you through to the service quality team who've actually proved quite helpful for me, i rang them today to make sure they'd recieved the MCOL forms, and she sadi they hadn't, but checked with the legal dept and said they'd been transferred over to them, even though it didn't show on the notes on my account. About an hour the MCOL site changed from 'issued' to 'acknowledged'.

[stephie]

Just faxed the breakdown of charges to DG solicitors...not long now i hope!!!!!!!:-|

[gollum237]

thanks Stephie,

will try that and see if they are open tomorrow. Only just got your message as i've been to golf (it beats being in work).

I did however have a letter today off Mr Bowden saying that they tried to contact me yesterday but I was unavailable and would I ring them on the number above. the number put you through to the bog standard 'enter your sort code' meesage and when I spoke to a lacky the customer centre was closed.

[stephie]

That number takes you straight through to Mr. Bowden himself, i spoke to him a while ago and whilst he seemed very helpful, he did absolutely nothing, you'll probably have more luck if he's specifically asked you to call!

I had a letter today from the bank (rather than DG) asking me to send a breakdown which i have, twice, so i called DG who said the letter had probably crossed in the post with MCOL and so to send the breakdown straigh to them. Hope they get a move on.It's such a pain having to wait, worth it in the end though.

[gollum237]

You're right, it is a pain waiting and a few of my friends and family who have been pretty sceptical are starting to think it's all fallen flat. We'll see whose laughing soon.

I tried the number you gave me but the centre is closed today, I thought they may have been open half day but obviously not. I'll try again on monday.

Have a good weekend.

[stephie]

And you! I had a letter from the courts this morning saying that HSBC intend to defend...Ahhhgg...really wanted them to settle without all this. From what i've read this seems to be pretty standard, but other people seem to have had offers at the same time as the courts say their going to defend. I'll give it another few days and then i'll panic:roll:

[gollum237]

I think they may have to defend as they are denying liability by doing so. If they don't defend it means they automatically have a judgement against them which would by default mean they were wrong.

I think it's just playing around because we know they settle eventually anyway. Most peple who have defences raised get settled pretty quickly I believe so good luck

[stephie]

I'm sure your right, it's just a bit nerve racking! Don't know where you are but i think we deserve a drink when all this is done!

[memoryman00]

Hi Stephie,

 

I'm in the same boat as you. I got conformation from the court that they intend to defend the claim in the post this morning.

 

Quite worrying, i think. I know it seems pretty standard, but still, the thought of possibly taking the bank to court certainly puts the fear in to me

[gollum237]

Sounds like a good idea to me. First man person to get their payout buys the round. You’d better have a huge payout though ‘cos I’m not cheap!

 

 

 

To be honest I think everyone feels a bit nervous when dealing with the banks, we've always been led to believe that they are these hugely powerful corporations and to a certain extent, they are. There's not much you can do without their help in a financial sense. But we can all take confidence from the others on this forum who have been through the same process we are going through and have come out unscathed (in most cases).

I've got the attitude that even if the court threw it out i've only lost £120 quid, which is only a good night out really and as for the charges, they are gone anyway, getting them back is a bonus.

[stephie]

Have they acknowledged your claim at all yet?