HSBC (merged)

Ropey_3

Don't cancel the court process until you have the money. Have you asked for payment into your account or by cheque?

As you've initiated court proceedings, presumably they are also paying all the costs you've incurred and the 8% statutory interest?

nickmack

lawtz04 wrote:

See, I didnt do that either (im bloody useless!). Is there anyone at HSBC I can phone to check they are dealing with the matter? (Also, Alliance and Leicester and Barclays!)!!

Don't phone them, just wait the specified time. You should ensure all correspondance is in writing. Send all letters recorded delivery.

polly_2

Hi
I downloaded the letters for a friend who claimed approx £4000 in estimated charges (because he didn't get copies of last six years statments even though he requested them). He got a letter today (16 days after writing) offering £1020.50 as a gesture of goodwill and is now in a dilema as to whether to accept or fight on, and i don't know what to tell him.
If he asks for more he could lose whats been offered but the offer is less than half what he's been charged
Has any-one else been through this or has any-one any advice? The money is apparently already credited to his account but he hasn't verified this yet until he gets a balance from the hole in the wall
Polly

Mezcita

Great thanks. Yes, the letter I received stated that the amount (including court fees) would be paid back into my account.

I'll keep an eye out for the amount being paid back into my account.

Cheers!

nickmack

polly wrote:

I downloaded the letters for a friend who claimed approx £4000 in estimated charges (because he didn't get copies of last six years statments even though he requested them). He got a letter today (16 days after writing) offering £1020.50 as a gesture of goodwill and is now in a dilema as to whether to accept or fight on, and i don't know what to tell him.
If he asks for more he could lose whats been offered but the offer is less than half what he's been charged
Has any-one else been through this or has any-one any advice? The money is apparently already credited to his account but he hasn't verified this yet until he gets a balance from the hole in the wall

Only he can decide. If he wants the whole lot, he will more than likely get it, although it will take longer and he will probably have to file a court claim in order to do so. Just tell the bank he's accepting this as part payment only and he will pursue the rest. If he's happy with what's been offered, just take it.

polly_2

my friend claimed his bank charges for the last 5 years back from the Abbey approx £4000 and they have offered and credited him with £1020.50 as a good will gesture, (because he was informed of the charges when he opened the account!) but now he doesn't know what to do
If he doesn't accept he could lose it all,
So what does he do!!?
its money he wouldn't have had if he hadn't claimed but now it feels like the bank is taking the P***.
Any advice?

Polly (who's come out of an IVA 2005 and never wants to do that again)

Rex_Mundi

Because your friend only estimated the charges, there may be an additional problem if this went to a court claim. If he doesn't provide a breakdown of all the charges with the court claim, there is a chance the banks solicitors will ask for this. If they do he will be stuck, and could damage his chances of winning the claim in court.

It's perfectly reasonable that the banks ask for a list of all the charges if the case goes to court. If someone claimed you owed them money, and issued a court claim for it. Wouldn't you want details of how they came to the figure they claim you owe them? If the person couldn't prove the figure they claim you owe. Wouldn't you be more determined to fight against the claim? Without proof of their figures, their claim wouldn't look too good in front of the judge either.

ddavis

Do any of you very helpful people have any advice for me? My questions on page 6..

Thanks!

Rex_Mundi

ddavis wrote:

I've drafted a letter using the templates but what do we do about the upcoming fees? If I send the letter tomorrow they'll just add more whilst its being processed.

So what do i do? ?

Do i pay her account off to 0 and try and close it? Then pay any other charges that are due at that point and claim for all of them? (Going to cost me about an extra 300). Or do i claim for whats been charged and tell them to swivel for the rest?

Hope soemone can help,

Thanks
DD

You've got a few choices...............

Pay off all the debt on the account. Wait untill the final charges come through, pay them off as well. Then launch a claim for all the charges.

or

Launch a claim now. Pursue this to the end (or until they settle). Make sure that as part of the settlement you don't agree to any conditions that stop you claiming again. Then once you've settled, launch another claim for any charges not included in this claim. It's very important that you only accept a settlement 'without prejudice' (with no conditions attached).

Richard_Hodgey

okay, now we're getting there. All of 2006's statements have arrived.