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

[Whatawoman]

Well MCOl helpdesk does not open till 8.45am though "when possible we will answer calls from 8am" I guess it is not possible today lol.

 

Aparently still not possible to answer phones at 8.50am either

[Whatawoman]

They are sending me a full refund and I have to do the process again......

Luckily because of the weekend it actually only makes my claim 1 day difference.

 

12th January 2007 - prelim letter sent.

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

26th January 2007 - LBA sent

12th February 2007 - MCOL Claim submitted

[Borris21]

Hi there, what's happening with this???

 

borris21

[Borris21]

whoa... nevermind me lol the last few post's didnt show until i entered my reply. maybe im new to this thing and useless, or maybe my computer's (or eyes lol) playing tricks on me.

 

borris21

[Whatawoman]

lol don't worry borris - takes a while to catch up I think.

 

Whats happening with your own claim?

 

Helen

[Borris21]

lol thanks

 

My claim? well i'm thinking about sending my prelim thinggy majig today lol.

 

im with HSBC and just checked my online statements and over the past 6 years been charged a total of £901 , which to be fair is nothing compared to a lot of people but its still £901 ya know? so want to send the prelim today. any advice for me??? pleeaaase lol

 

 

Brett

[Whatawoman]

Start your own thread - so people can keep up with you and help when they can.

 

Stick to YOUR timetable.

 

Read the FAQ on here and don't be put off by HSBC not replying or giving a wishy washy "we are looking into it" answer.

 

Send Prelim and scedual of charges you are claiming back - and interest if you go for it (I didn't) If you look in the library there are great templates that do all the work for you.

 

In exactley 14 days follow through with the Letter Before Action and then if not in recipt of your monies in 14 days file your court claim.....

 

It is your money and almost £1000, and over with interest and court charges etc.... go get it back

 

Helen

[Borris21]

yea your right, its my money... MY MONEY... MONEY, HERE I COME!!! lol

 

couple problems though lol, how do i start a thread? and how do i do the whole schedule of charges??? do i print off copies of my statements and highlight the charges? or do i juss type up amounts and dates???

 

Brett

[Whatawoman]

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/ go here and click new thread - call it your name v HSBC

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html click here and choose a spread sheet - fill in the charges and the dates and they will work out the days since charge and the interest at 8% - but with Prelim letter and Letter before action send it without the 8% interest column - at MCOL or court stage send it with the 8% column.

 

Hope this helps.

Helen

[Borris21]

hey thankyou very much.

 

gotta question though lol (u thought i might do right? lol)

 

ive opened the spread sheet but its already filled in with loads of £10 charges , wat do i do with all these just delete them or what?

 

brett

[Borris21]

i downloaded the 'bank account' - England - simple - works

 

did you have the same thing appear on yours or am i just lucky? lol

 

brett

[Whatawoman]

Over write the charges then delete any left at the bottem - it is just to keep the formulas there.

[Whatawoman]

MCOL claim has been issued today

[Whatawoman]

I have sent two copies of my schedual of charges to the Court Manager at Northampton County court - at what stage do I need to send copies to DG?

 

Thanks,

[nettyg]

when your claim is 'acknowledged' usually you send the copies of your schedule to the courts and dg. the paperwork will show on page 2, who is delaling with your claim from dg. when you send it, ring them a couple of days after just to make sure they've received it. send everything recorded delivery so you can see on the royal mail website when they have received it ok.

[Whatawoman]

Thanks again Netty How long do they normally take to acknowledge?

[nettyg]

usually you get the paperwork within a couple of days

[Whatawoman]

Well today recieved "an offer" from HSBC - My original claim was for £1293.00 and they are offering me £1050.30 as full and final payment - however because I have gone to MCOL - wilth interest and charges I am now looking for £1700.20 so unfortunatly I will be declining their kind offer. Had they offered this last week I may have been tempted.....

 

12th January 2007 - prelim letter sent.

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

26th January 2007 - LBA sent

12th February 2007 - MCOL Claim submitted

15th February 2007 - Notice of Issue received (deemed to be served on 18th Feb - HSBC have till 4th March 2007 to reply)

[HungerfordMan]

Seems a few offers landed on mats today ! Im glad i was a day late (was going to file today) on submitting my MCOL, cos at least now i can sleep on my offer ! Good Luck anyway !

[Whatawoman]

Interesting thing is I just noticed the letter was dated 5th Feb but postmarked 14th Feb. Had they sent it on 5th Feb I would have most likely accepted it - as it was within the 14 days after my LBA.

 

This is my letter to Colin Langdale:

 

15th February 2007

HSBC Bank Plc

Colin Langdale

Service Quality Team

Alington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

Re: Account number xx-xx-xx-xxxxxxxx

Response to settlement offer.

 

Dear Colin Langdale,

 

Thank you for your letter dated 05/02/2007

I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £1257.50 and as I have already filled a claim with MCOL I also request interest of £323.17 and court costs of £120. A total claim of £1700.67 (with daily interest being accrued). I am enclosing a current schedule of charges with dates from 14th March 2001 to 26th January 2007 inclusive. This is the schedule, which has been submitted with my MCOL claim.

 

I will accept the sum offered (£1050.30) only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with my County Court claim if necessary.

 

My Letter Before Action, dated 26/01/07 indicated that you had until 09/02/07 to respond before I commenced with legal action. I note that your letter is dated 5th February 2007, however the postmark is 14th of February. The unfortunate thing is had I received this letter before filing with MCOL I would have been very tempted to accept your offer. However my MCOL claim remains the same despite this offer.

It is also with dismay that I see a further charge on my account dated 11/02/2007 for an additional £50. As a gesture of goodwill I would request that this charge be reversed. You may notice that I am not claiming my Overdraft Interest back off you.

 

 

I trust this clarifies my position.

 

 

Yours faithfully

 

 

 

Mrs Helen Ashby

[Whatawoman]

12th January 2007 - prelim letter sent.

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

26th January 2007 - LBA sent

12th February 2007 - MCOL Claim submitted

15th February 2007 - Notice of Issue received (deemed to be served on 18th Feb - HSBC have till 4th March 2007 to reply)

15th February 2007 - offer made (less than claim) in response to prelim letter.

15th February 2007 - MCOL Claim Acknowledged

[Whatawoman]

Had the acknowledgement of service today - and HSBC - via DG Solicitors (Deborah D'Aubrey) are defending the whole claim.

 

So today I will send off a copy of schedual of charges to Deborah and yesterday I sent 3 copies to the Court.

 

Do I need to do anything else yet?

 

What happens next?

 

12th January 2007 - prelim letter sent.

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

26th January 2007 - LBA sent

12th February 2007 - MCOL Claim submitted

15th February 2007 - Notice of Issue received (deemed to be served on 18th Feb - HSBC have till 4th March 2007 to reply)

15th February 2007 - offer made (less than claim) in response to prelim letter.

15th February 2007 - MCOL Claim Acknowledged

[Whatawoman]

I keep reading on other posts about the Acknowledgement of service having 2 pages and having the deemed issued date on it-

 

I have 1 page which is a photocopy - the top says Response pack - the bottem is Acknowledgement of service and Has DG's details and the box ticked to say I intend to defend all of this claim - Deborah D'Aubney signed it on 15 Feb 20007 at 8.45am

 

Is this the right form at this stage?

[nettyg]

yes you are doing fine. watch the status on mcol everynow and again and it will probably change to 'defended'. that normally happens nearer the 28th day though but keep your eye on it.

meanwhile (this is the boring long stage) just take a look at instructions and information on the allocation questionaire process ok? won't be long now - you're nearly there

 

Allocation Questionnaires - A guide to completion

New strategy for Allocation Questionaires

[Whatawoman]

Thanks Netty