HSBC (merged)

jacqueline_coulson

I am in the same situation I am a bit freaked out

isa

I filled everything in this morning to ask for judgement by default and I just checked and it says my judgement's been 'rejected' and I can't go any further online, it doesn't say why.

What does it mean? Does anyone know??

Sorry for posting on multiple boards but I'm really worried

louloujs

slandricombe wrote: »

Thanks again Lou, you're a star.
How's yours coming along?

Si

Just a small step behind you with this bank. They filed a defence on day 27 yesterday so i'm hoping my local court won't be doing the AQ thing either...

louloujs

Richie_Rich2 wrote: »

Hi there I have just started today with HSBC, I rang them to find out the address to send my 1st letter to and the woman on the phone said she would contact the relevant department and I should recieve my statements with 40 working days for both my accounts..... should I trust what she said or send the 1st letter anyway? Any experiences of requesting your statements by phone out there?

The bank has 40 days to send the statements, if they don't you can report them to the Information Commission (see Martin's main article). Once you have your statements, send the 1st letter, wait 14 days then send the second letter. You will probably receive a couple of fob off letters in the meantime. Stick to your timescales...

louloujs

isa wrote: »

I filled everything in this morning to ask for judgement by default and I just checked and it says my judgement's been 'rejected' and I can't go any further online, it doesn't say why.

What does it mean? Does anyone know??

Sorry for posting on multiple boards but I'm really worried

See my earlier postings of yesterday or day before. Your judgement can be overridden by anything up to a few days or so if the banks decide to defend beyond the last minute. The banks know this and are playing silly b)gg*rs trying to panic you. You'll receive information from your local court next. See my earlier post above too.

wood1e

louloujs wrote: »

Read back a few pages where i've posted a message on the process now. many judges are dispensing with AQs as they know the banks are wasting time and will not turn up. You are lucky as your local court will now be able to (probably) give you an earlier date and you'll get your offer shortly before. Go away happy in the knowledge that it's almost over...

Hi many thanks...but how much longer? Does the court contact me with a date?

In the "Notice of Transfer of Procedings" It mentions the Judge in Norhampton has depensed with the "allocation questionaire", as you have stated. And that "Any party effected by this order may under Rule blah blah blah have it set aside, varied or stayed. Such a party must apply under Rule 23.3 within 14 days....

Whats all that...?

Lurker

Hello

Apologies if this has already been answered previously, but i've been back a few pages and not found the answer and it will take forever to look through 100 pages of posts!

I am claiming £605 in unauthorised overdraft charges from HSBC, from 2001 to 2003. In 2003 they stopped the charges, but the debt contined for years. The compound interest from the £605 works out at £387 itself (thanks to an accountant friend of mine for working it out) but this is based on 14.9% interest rate that my account is currently charged at. I don't know if that rate was used all the way back in 2001-2003, and it's also a lot higher than the 8% that I can apparently claim with MCOL. Should I go for it and add the compound interest at the full rate, or should I claim the reduced rate of 8%?

Has anyone else made this decision and have won the interest? For that amount, I am prepared to go the full length and wait it out via the small claims if necessary, but only if i'm in with a chance!

Thanks

louloujs

wood1e wrote: »

Hi many thanks...but how much longer? Does the court contact me with a date?

In the "Notice of Transfer of Procedings" It mentions the Judge in Norhampton has depensed with the "allocation questionaire", as you have stated. And that "Any party effected by this order may under Rule blah blah blah have it set aside, varied or stayed. Such a party must apply under Rule 23.3 within 14 days....

Whats all that...?

It really does depend on how busy your local court is, having read through lots of threads a court date could be in about three weeks. Someone who has just had to go through the AQ route has been given a date in June so it would be reasonable to bank on a May date - but again, hard to be sure as the judges seem to be erring on the side of the claimant knowing the bank's tactics. Sorry to be vague, I would suggest ringing your local court in the hope that you get a friendly member of staff who can give you an idea of listings etc. (some of these hearings are booked for lots of banking claimants as the judges know that the bank is unlikely to show)

I read something on the Consumer Action Group website about this new non-AQ process. Haven't got time to check right now, but if you fancy looking, go to https://www.consumeractiongroup.co.uk and search for Allocation Questionnaire and you may well come across the expert who has said what the new position is. Might give you more information and certainly more knowledgable.

Hope that helps.

louloujs

Sorry Wood - yes, the court will allocate a date for you - but double check the paperwork from the court to make sure you're doing what you're supposed to!

Beaso

gt94sss2 wrote: »

Re: HSBC

I don't know if you are aware but if use HSBC Internet Banking, you can see your statements online for upto the last 6 years...

Just choose an account and go to the 'My Statements' option.

Regards
Sunil

I had the letter all ready to go and having spotted that you've saved me a trip to the post box - thanks!!!

Although now having been through the last 6 years I have now found to my astonishment I've only been charged £90, was convinced it would be a great deal more than that!!! If only it stretched back another couple of years into the student days...... :rolleyes: