HSBC Charges Reclaim HELP please **SETTLED**

[HP Mum]

ok thanks

Have had a quick look at this spreadsheet.

I put the "day after last interest charged" date in the Date of Charge?

 

 

Description - what should I put in here? something like total from CI schedule of charges?

 

And in the "Amount of Charge" box I put the total from the CI sheet total?

 

what about the monthly payment of ppi title ? Should I alter this somehow? Change it to the s.69 you mention?

[dx100uk]

ok thanks

 

Have had a quick look at this spreadsheet.

 

I put the "day after last interest charged" date in the Date of Charge? yes and claim from date.

Description - what should I put in here? something like total from CI schedule of charges? penalty charges total including creditors interest

 

And in the "Amount of Charge" box I put the total from the CI sheet total? yes already said that numerous times

what about the monthly payment of ppi title ?

 

 

Should I alter this somehow? Change it to the s.69 you mention?

 

 

of course

 

 

everything on CAG is generic its for users to investigate what they should do by self help.

 

 

dx

[HP Mum]

HI dx

I cant download your attachments.

Ive tried to save as .xls and it wont let me. WHen I click on them I get a black screen.

sorry to bother you - can you best advise

[dx100uk]

weird

 

 

try these...

[dx100uk]

seems like attachments are fruked.on cag again

 

 

dx

[HP Mum]

not sure what I am doing. They are .gif docs on my computer. And when I try to click save as I cant save them as .xls

 

 

But I have figured out the spreadies anyway, 2 separate ones. One with the CI total at the lower 14.9% Abnd then a separate 8% claim of this total.

It is much less than I was originally claiming. But the 2nd sheet with stat interest does increase the total to more than they are offering,

Thank you so much for all this help.

This is really helpful.

I was on the point of sending a completely different letter / spreadsheet and I know they would have rejected it - so this is perfect.

Now I just need to rewrite the letter and also ensure that they remove the default from my records too....

[dx100uk]

try these

 

 

from my old files

 

 

just a few ideas to get you going

[HP Mum]

Still waiting to hear back from hsbc.

My letter rejected their "final" offer. And introduced extra statutory interest 8% amount.

I do expect to hear back soon. Will update when have news

[HP Mum]

**UPDATE**

Hsbc have replied.

They have refused to increase their offer or remove default from cra.

They are not interested in my additional 8% stat interest sheet.

Their previous offer clears the card debt and does refund charges - but just not much else.

There is a difference of apx £150 between their offer and what I requested.

I think that I may accept and just be done with it....

Although I am angry about the default not being removed...

[HP Mum]

I would like to accept their offer. But I also want to ensure they remove the defaults from cra.

I'm not sure how I accept their offer whilst rejecting their insistence they won't remove defaults ??

[HP Mum]

I guess this account is almost "settled".

 

 

They will clear the nominal card balance and then send the balance by cheque or transfer to an alternative bank....

I will post again when receive payment.

[HP Mum]

I have a Zero credit card balance

And a bonus cheque to cover penalty charges

 

 

Settled.