Mellymum vs HSBC - ****WON!****

[mellymum]

Hiya, already been through it and re-formatted it cos Im fussy! What do you think about post 72 about the Macnamera interview?? I guess alot of more experienced / informative people like yourself and Celicaman are quite busy answering other peoples questions... I can be a bit of a pest sometimes!

[Castlebest]

Anything that adds weight to your case is worth including

 

pete

[Cyclepath]

Hiya Melly, sorry we have been ignoring you but fortunately you seem to have everything under control.

 

You will have a date to submit it by in your court date notification there really is little point in printing anything out until about a week before the deadline (it will be about 600 pages).

 

pete

 

:o My court bundle was nothing like that big!!!! Oh gawd!!! I just downloaded the one on this site and sent it....with my schedule and copies of correspondence.....(panic panic panic...court date 25th June)

[mellymum]

I know its 200 pages per copy, you need 3 copies, but mine is only about 100 pages at the very most, and I plan to double-side as much as I can when it comes to photocopying it. My court bundle I down loaded is 36 pages after re-formatting, 12 pages of bank statements, 2 pages witness statement, 1 page schedule, 2 pages Macnamera interview, 1 page BBC cut, 12 pages extracts from OFT report, 5 pages statement of evidence so thats only 71 pages, so dont panic, everyone keeps telling me I have everything!The only thing I dont have is my t&c if anyone knows the whereabouts of April 2002????????

[freakyleaky]

or if anyone knows where pre 94 T&c's are I would be grateful!

My bundle was about 190+ pages but 47 of them were the terms and conditions that I thought were from 1994 but they turned out not to be.

[corn flake]

I know its 200 pages per copy, you need 3 copies, but mine is only about 100 pages at the very most, and I plan to double-side as much as I can when it comes to photocopying it. My court bundle I down loaded is 36 pages after re-formatting, 12 pages of bank statements, 2 pages witness statement, 1 page schedule, 2 pages Macnamera interview, 1 page BBC cut, 12 pages extracts from OFT report, 5 pages statement of evidence so thats only 71 pages, so dont panic, everyone keeps telling me I have everything!The only thing I dont have is my t&c if anyone knows the whereabouts of April 2002????????

 

 

Dont worry too much,

I sent a court bundle to the Abbey and it was only 46 pages, the Bundle for HSBC was 160 (both included the same things)! its because teh T&C's are longer and also I have sooo many more charges with HSBC so the statements take up about 70 pages! Also I shrunk allot of the UTCCR's ets to font size 8 to save on ink etc!!

Tanya xxx

[Castlebest]

Gawd ... the poor judges eyes

 

pete

[mellymum]

Well still no offer and my court bundle is due in Monday, so I guess I better get started photocopying tommorow whilst I can use the work photocopier!

 

Does anyone know as it doesnt state in my directions made by the judge if I should be providing HSBC with a copy on Monday, or giving their copy to the judge as well? Or when????

:confused: :confused:

[lateralus]

i know i sent this before - but i've updated it a little and added a link to some 04 t & c's

 

a) your schedule of charges.

b) your statements showing the charges. Alternatively, the list of charges which the bank provided under your S.A.R (subject Access Request) (only send the statements with charges on them.)

c) A Statement of Evidence: (post 55 in the new strategy): New strategy for Allocation Questionaires note here: hsbc uses the service charge defence - so use the first letter in post 55

d) All the statutes and decided cases on which your claim relies. ie, UTCCR's, UCTA's, SOGA, case law, etc. For this, I'd just submit the whole of the Basic Court Bundle.

AND AFTER THE LLOYD'S WIN - LET'S BE SURE THERE'S A COPY OF TERMS AND CONDITIONS IN THE BUNDLE.

 

This whole thing runs to around 200 pages and should be done in triplicate: one copy for you, one for the court and one for dg – that’s 600 pages of copying – LEAVE IT UNTIL YOU KNOW FOR SURE YOU NEED IT. If an offer comes in from DG and is accepted you wouldn’t need it. Really leave it until you have to do it to meet the deadline set by the court!

 

courtesy of hagenuk: some t & c's from 2004

Attached Filespersonal_banking_terms.pd f

 

 

also, Nawanda Vs HSBC (1 2 nawanda's exchange with gary helps with the wording for the statement of evidence.

and post 13 on this one:The Importance of Terms & Conditions tells how one winner marked his t & c's

 

 

ok, just went back and read you directions - you are right - it doesn't say - but i'd send dg the bundle anyway - there's some thought they see a bundle and make an offer - no harm in that then!

[mellymum]

Thanks for all that, it looks pretty much what I have already set up and read through in a folder ready to print off. I am including July 2002 and June 2003 T&C so I will probably leave it at that with a note that I can get hold of the 'in-between' ones if required. (Im sure Ill think of better wording than that when it comes to writing the accompanying note!!!!)

[pinkduchess]

good luck melly - lets hope you get the same result as freaky within the week.

[Celicaman]

I am including July 2002 and June 2003 T&C so I will probably leave it at that with a note that I can get hold of the 'in-between' ones if required.)

 

so how many years in between 2002 and 2003 are you hoping to find LOL

[stax68]

Collecting for the http://www.consumeractiongroup.co.uk/forum/hsbc-bank/95312-hsbc-t-cs-here.html sticky - any chance of sending a copy of your 2002 T&Cs to stax68.mail@googlemail.com?

 

thanks and good luck, stax

[mellymum]

I got them off your post!! LOL

[mellymum]

Well, all done and copied! 3 nice looking packs ready to go. Hope it scares the hell out of DG when they get this nice looking bundle, its 105 pages long!

 

Some reassurance though, I know its not HSBC but me, hubby and neighbours have been doing this together, HSBC settled with hubby b4 MCOL stage, and neighbour's hubby got a full offer from Barclays today. When's it my turn???

[Celicaman]

Well, all done and copied! 3 nice looking packs ready to go. Hope it scares the hell out of DG when they get this nice looking bundle, its 105 pages long!

 

Some reassurance though, I know its not HSBC but me, hubby and neighbours have been doing this together, HSBC settled with hubby b4 MCOL stage, and neighbour's hubby got a full offer from Barclays today. When's it my turn???

 

well if you get it in saturdays post, reckon offer on tuesday.

Ladies & Gentleman, place your bets.

If you want ideas of how to terrorise your postman on the day, ask Freakyleaky, they made an art out of it LOL

 

CM

[Castlebest]

Thursday seems to be DG's day at the moment so thats when I will say...

 

See Melly you thought we had forgotten you for a while there but we hadnt.. you will get your offer too, its not a race, and just think... you can watch to see what your neighbours hubby buys with his winnings and buy better

 

pete

[mellymum]

He said he's going to buy me a prezzie as Ive been the one on here doing the research and typing/printing the letters!His court bundle is due Monday so I said after reading posts on here, he should proceed with getting his court bundle in anyway until he physically has the money.

It just feels like sods law, the ones who sit back and let someone else do the work get settled earlier than those who are sat at the PC until 1.00am. My husband got the offer one week after he should of started MCOL but he couldnt be bothered to fill out the details!

[Castlebest]

Melly, tell them the people who do this for a living charge 20% your cut is only 19%

 

pete

[rob-the-viking]

Good luck for the next fortnight, hopefully you won't need that court bundle you've just spent so long copying!!

 

 

r-t-v

[mellymum]

Thanks guys. DG copy's gone, recorded of course should get it Monday. Fingers and toes crossed!

[lateralus]

make sure court one in on time - as you rightly say - you carry on with anything required until you get the money. nearly there!

[mellymum]

Yep, court copy due on Monday before 4 o'clock. My neighbour is taking mine down with hers. Thanks for all the support everyone... I hope it isnt much longer, and I hope I had everything!

[Castlebest]

my guess is still you will have an offer on Thursday,, thats the 14th June

 

pete

[mellymum]

Ive won I won Ive won!!!!!

My god Im glad its over!!!!!!!!!!

 

Full amount, cant say how much, well I havent signed the clause of confidentiality yet!!! On that subject, do I have to agreed to that bit?

 

Mainly, I am still going to carry on with the court date on 25th until I have my money, can I claim these wasted costs claim?? I spent hours preparing my court bundle, countless nights sat reserching on here what I needed... does anyone know if its worth going for or am I just being greedy????