Welshbaba 'v's HSBC

[welshbaba]

I sent off letter asking for my charges back and included the caculation sheet (this was from Martin Lewis site). After reading lots on this site, I looked at the s/sheets and entered some charges and the totals are different, will it matter if I carry on with the rest of it on this site? Going through loads of posts - but still getting "brain-freeze"!!Thanks

[Castlebest]

You can change whatever you like until you file your claim it wont even change the timetable that you are working to, just write to HSBC and enclose your revised figures. After you have filed your claim with the court any alterations will cost your £35.00 that isn’t recoverable (your mistake).

If you take your time with the CAG spreadsheet it gives you everything you need to pursue your claim to settlement.

I have not seen the suggested schedules of charges from other sites but from the threads I have read they are not as detailed as the CAG spreadsheet.

If HSBC or their solicitors are going to make an offer or defend the claim they will need to know exactly what you are claiming for and if you don’t give them a detailed breakdown of figures it is possible for them to ask for your claim to be struck out due to lack of detail, don’t give them this opportunity.

pete

[jowalshy]

Hi welshbaba, I have just had a quick look at the Martin Lewis website and it looks like the calculation part you used was calculating the interest @ 8% APR. The amount will differ slightly if the calculations are done on different days as it works out how many days have gone by since you were charged.

[welshbaba]

Today like lots of others before me I received the "response as soon as I have completed my investigations" letter, 2 days after I sent my LBA. Looking into the next stage, would I be right in starting with the MCOL now and taking my time over the next week and a bit to make sure I get it right?

[jowalshy]

Register with money claim now and prepare your claim, just don't submit until 14 days from LBA. Take your time and make sure you save any changes you make. When you are ready double check that everything is correct, then press submit.

 

Any problems just ask.

 

Good luck

 

Jo

 

P.s If like me you don't have alot of money, remember to double check your claim coz if you get it wrong you will have to cancel it and wait approx 5 days for the money claim people to send you a cheque back.

[givememymoney]

The usual letter from Colin about investigating sometime in the next ten years!!!

 

Here are a couple of links that will help with the court stage and MCOL

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=10

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

You need to ensure that you schedule of charges is perfect you should now be using the spreadsheets from this site that will help. Good Luck

 

[welshbaba]

Hi all,

Could someone please send me in the right direction for addresses, i've seen it, but now coz i'm looking for the list cant find it anywhere.

Would be most grateful

Sha

 

P.S the address I'm looking for is for the MCOL, so dunno if its Leeds or London

[jowalshy]

It is in the "contact information" bit. Just above all the postings on this section.

[nettyg]

HSBC Plc

8 Canada Square

London

E14 5HQ

 

it's the head office address for mcol

good luck

[nettyg]

Money Claim Online

Northampton County Court

21-27 St Katharine’s Street

Northampton

NN1 2LH

[welshbaba]

Many Thanks....... new it would be somewhere easy!!! Maybe I need to go off and have a brew - and then come back to it.Thanks

[welshbaba]

Wot is the daily rate of interest I have to put in????I have no idea

[jowalshy]

Daily interst rate is total amount of charges multiplied by 0.00022

[welshbaba]

Ta Jo - but I have not got a clue, sorry if i'm being a dim.Is there anywhere on here that can do that for me?or anyone....pleaseeeeeeThe total amount is £1,521.74

[jowalshy]

If that is the total amount of your charges that you are claiming then the daily rate of interest is £0.33 per day. (£1521.74 x 0.00022)

[lateralus]

that's not counting interest right, welshbaba?

 

also, i can't help wondering why you wanted mcol's address - that's very unusual. if you meant the address for the mcol that you are filling in - where it asks for the defendent's address that should be HSBC's Canada Sq address in post 9 above.

 

any questions you have are answered here in this step by step guide:

Getting MCOL Right

[welshbaba]

Yes Lat that was incl interest.... have I made a boo-boo?? Thats the amount I got when I entered figures on s/sheet and then it gave me the int. figure. Then whenI was fillingin the partics of claim it asked about int. on a daily rate.

[lateralus]

well, my take on this is if you are asking for daily rate from the date of filing until it is resolved - the daily rate is based on the charges only, not including interest multiplied by 0.00022 = daily rate. if you include the interest - then you would be asking for interest on top of interest. so have you filed already? if so, let it go - dg will scale it down when they get around to offering - if you haven't filed - do it correctly.

[welshbaba]

No, not filed it yet - should push the button Monday but with bank hols, will be Tues. just getting everything sorted and want to make sure its all as it should be. The form seemed to be more simple than I thought, making me doubt myself when doin that. U never know they might send me a nice easter pressie tho tomorrow or saturday...........lol - highly unlikely

Thanks again

(I expect i'll be back)

[lateralus]

ok, then you've got time to correct that daily rate.

i'll pm my particulars to use as an example if you need them.

[welshbaba]

Lateralus, thanks for doin that, must admit was struggling a little to get the wording to fit...

You have been really helpful

[welshbaba]

Well nothin in the mail today ( no surprise there). After sitting here debating wot to do coz of the b/hol w/end I rang them (freefone number got through straight away). Really helpful (should I say that about them??) man -Steve Gardner said "my advice would be to carry on as you are, I can see that approaching the Courts is your next step and by the time we get to your request in around 8 weeks - your account will have been refunded".

Dont really know wot to make of that - didnt expect them to say it!!!!

[lateralus]

that is special!!!!!! think we should frame it? not heard them say that before

[welshbaba]

When I file with MCOL, do I send off the accompanying letter straight away and does it go registered mail or just 1st class post?

Thanks Sha

[pinkduchess]

you will get a notice of issue through the post from the courts. A few days later a notice of acknowlegement.

 

Letter to court can go stright off.

 

Send your letter to DG once you get the notice of acknowlegement - the address will be on page 2.

 

would reccomend you send everything recorded.