Worried But Going Ahead Anyway

[dannygr27]

Hi pete

 

both the loan account and the currant account were personal, Been studying the spreadsheets since yesterday and am going to use the advanced one.

 

The thing thing that confused me is if i can claim the intrest added to loan it would take me over 5000

[Castlebest]

Good, get all of your money back, do your figures and someone will check them for you.

I wouldn’t worry if its your interest taking you over the £5k mark, as I said this tends to be a little flexible and the court also takes into account complexity of the claim. These claims aren’t complex, we are all asking for the same thing.

I’m sure Netty will be along in a bit to reassure you, her first claim was over the £5k mark.

pete

[dannygr27]

Thanks pete,

 

If i have this right Hsbc owes me about 8k, most of that being from the loan, reading up on loans at the moment just to see what others have claimed back

 

Sam

[Castlebest]

3k over the 5k limit might be a problem , I know nothing about loans though sorry.

 

pete

[dannygr27]

lmao hopefully a HUGE problem for Hsbc, will do two claims one for the loan and one for the currant account, That should keep the figures down.

 

Sam

[nettyg]

hi sam

yes 3k over the 5k is a bit excessive for small claims. you could ask i suppose, that it still be allocated to the small claims track but i think the judge would refer it to fast track. it might be better though to do your claims separately.

 

take a look on mcol website and look up the procedures for fast track.

hope this helps

[dannygr27]

Thanks Netty

 

Congratulations on your wins, i think it will definatly do two seperate claims as the claim on the loan account will be far more complicated then the claim on the currant account, im learning so much just by reading threads and the faq's that this is not half as scary as it used to be, at first i would think if i get my money back, now im thinking WHEN i get my money back!

For me this could mean the difference between having sell my house and or being able to stay, shocking that i put off starting the process for as long as i have lol

 

Sam

[dannygr27]

HI all,

 

been tapping my toes for the last fourty days waiting for statments, cheeky gits have cashed my cheque but still not statments, im not sure which letter i should send now? would really appreciate some help

 

thanks Sam

 

studio setteled in full

capital one - claim for £348 sent in 5 days to go!

littlewoods visa- snotty letter saying have six weeks to send statments on microfilm, partial staments sent- looking at 400+ so far

addittions/ lx direct dpa breach committed as of 14/05/2007

[pinkduchess]

hi sam

long time no speak!! there is a non-compliance link somewhere - just not sure where. someone will know.

hope youre ok

PD

[dannygr27]

Hi PD,

 

I have been so busy, little ones just started walking! been doing loads of overtime so not had much free time, hope all is ok with you:D

 

Sam

[lateralus]

hi sam - here's the link:Data Protection Act - Non-Compliance - Template Letters

we've found also that a polite call-in at the branch often does wonders.

 

they are very snowed under with requests

 

any chance you can get them on-line?

[dannygr27]

HI all ,

 

Sent polite e-mail to Hsbc to let them know that they have 7 days before futher action is taken, thanks for the link lateralus! Have sent non-compliance letter,

Got a partial offer from cap one today , its starting to get fun again lol

 

sam