Whatawoman v HSBC *******WON*******

[Whatawoman]

LBA was signed for today - so lets see if they respond before MCOL time comes round.

 

Helen

12th January 2007 - prelim letter sent.

20th January 2007 - Prelim letter acknowledged and replied to.

26th January 2007 - LBA sent

[Whatawoman]

HSBC Bank plc

8 Canada Square

London E14 5HQ

 

Is this the right address to use for Mcol?

I feel I am plodding along alone here....

[Whatawoman]

What are people putting in the Mcol form for Reference in the Service Address box?

[nettyg]

hi

yes that is hsbc head office and the correct addy to use on mcol

your'e not alone don't worry:-)

netty

[Whatawoman]

Is there a good link for help with MCol from soemone who has done it already please.

 

Helen

[Whatawoman]

hi

yes that is hsbc head office and the correct addy to use on mcol

your'e not alone don't worry:-)

netty

 

Thanks Netty - just no one seems to ahve nocticed my thread - getting a touch paranoid here lol

[nettyg]

helen

is it the customer services email address at mcol you want - if you bear with me i can get it for you and paste a link, or the process of filling out the forms on mcol - ask away and i'll try and help

[Whatawoman]

Its okay I jsut found the helpful link on here in the library templates which told me what to put in the claim aprticulars.

 

Sorry to be a pain.

 

HSBC still has 7 days to come back to me from teh LBA so it may not ben needed but I am not holding my breath.

 

Helen

[Whatawoman]

Now to find out when I joined the bank - I was about 12 years old lol.

 

Will they tell me over the phone I wonder...

[Whatawoman]

Wow - they told me with no problems at all

[Whatawoman]

Well 2 days left before I go to MCOL - I am a little nervous (but glad of the extra few hundred pounds in interest I can add).

Where is my best place to look and see the process from the day I file?

Thanks

[HungerfordMan]

well good luck, surprised you havent received the first paltry effort at an offer yet, as others seem to have done so who started around the same time or later.

 

I am watching your thread with great interest as i am 4 days behind you

[Whatawoman]

Yeah I was kind of hoping I would have received something by now - this is a very daunting experience I have to say.

 

Good luck with your claim too

 

Helen

[Jason1975]

The key to doing this is to stick to your time table. You will find that there is a pattern that seems to follow everyone. I expect you will get the offer eventualy but if you choose to file with MCOL you will benefit more. The banks will state that they intend to defend but never do, you will have to fill out the AQ unless your one of the lucky ones whom get the offer of the full amount before the AQ deadline. If you are about to file with MCOL then go to their website and setup an account and get used to the site. It is a fairly simple process and dosent take too long to complete but is always handy to be prepared. Rember though if in doubt ask.

 

Good luck!!

[Whatawoman]

Thanks Jason,

 

I have got the MCOl account up and runing and ready to go - with all the bits filled out - just need to alter a few figures on Friday and go with it.

 

Helen

[gordylar]

Helen,

don't worry too much about the offers they are so far behind with them,

I received one 2 days before mcol, referring to my prelim letter over a month ago, then another yesterday but they were not satisfactory.

Should be about a month or so till you get your dollars back.

Don't worry too much about mcol just stick to the tried and tested ways.

[Whatawoman]

Thanks - where are you in your claim now then?

Helen

[gordylar]

I'm at mcol, issued on 22nd Jan, but in a strange twist it allowed me to press for judgement against them this morning, so it is now requested, I just need it to be validated . But technically I think I may have won.

[Whatawoman]

wow that seems quick - well done

[gordylar]

Thanks,

But I think there may be a sting in the tail with this as it doesn't add up. Fingers crossed though.

Good luck with your claim (although luck isn't required) you'll get your money back soon enough

[Whatawoman]

Well no letter or offer in todays post so only toorrows left before I file with MCOL - I wonder why theya re so happy to pay out all these extra 8%'s and court charges... does not seem economical to me.

[nettyg]

oh they're not happy about paying out.... it's just that time's not on their side and the longer they eek it out, the more they think you will bottle it!!

just press that submit button tomorrow and stick to your timetable. you'll get it back eventually.

[Whatawoman]

Thanks netty,

On the MCOL page where I have filled in particulars of claim - I have stated I want to claim interest but on the caluculations it only has:

 

Amount Claimed

Court Fee

Solicitors costs

Total amount

 

Will the claim include my 8% interest which is £348.44 and is included in the particulars of my claim.

[nettyg]

don't worry w.a.w. the interest will automatically be added in to your claim when you win... along with all the other costs claimed for i.e. claim, court fees + interest

[Whatawoman]

Thanks netty:

I am pretty sure I followed the template well but is this enough for the particulars of the claim:

 

1. The Claimant has an account xx-xx-xx

xxxxxxxx with the Defendant, opened June

1989 2. Since 16/01/2001 the Defendant

debited charges and interest in respect of

purported breaches of contract. 3.

Defendant is aware of all details as a list

of charges has already been supplied.

Another copy will be sent. 4. Claimant

contends: (a) The charges exceed the

Defendant's losses caused by the breaches;

(b) The Term permitting the Defendant to

levy such charges is unenforceable under

the Unfair Terms in Consumer Contracts

Regulations 1999, Unfair Contract Terms Act

1977 and at Common Law. 5. Claimant claims:

(a) return of the amounts debited of

£1313.50; (b) Interest per S.69 County

Courts Act 1984 of 8% - £350.17 continuing

at 8% until judgment or settlement at a

daily rate of £0.29; 6. Alternatively, if

the charges are a fee for a service, then

they must be reasonable under S.15 of the

Supply of Goods and Services Act 1982. 7.

Costs allowed by the Court.