HSBC (merged)

ss1973

Hi Everyone,

Just wondering if anyone out there is off to court in Newcastle. HSBC have just defended yesterday (cut of was tomorrow, swine's!) and looks like I'll be hanging around this thread for a while......

Not even vaguely worried - becoming an old hand at this reclaiming malarky but can't see anyone else from "up north" on their way to the county court.

S

learningallthetime!!

ss1973 wrote: »

Hi Everyone,

Just wondering if anyone out there is off to court in Newcastle. HSBC have just defended yesterday (cut of was tomorrow, swine's!) and looks like I'll be hanging around this thread for a while......

Not even vaguely worried - becoming an old hand at this reclaiming malarky but can't see anyone else from "up north" on their way to the county court.

S

I'm from "down south" but am in the same position as you, HSBC defended on 26th April and the claim has been transferred to my local court, so I am now waiting for a court hearing date. I only sent my first letter off reclaiming my charges on 21st Feb but this seems to have been going on forever. Probably because I am checking the mat everyday hoping to receive a decent 'goodwill gesture'.

Glad to be able to do this in the first place though obviously.

Good luck

louloujs

gerrynimo wrote: »

Hi everybody!

Let me start by saying that i have been reading this website and forum for several days now, and found it very helpful and supporting in also having a go at reclaiming by unlawful bank charges back!

I am a bit confused though about the 8-week rule that HSBC applies. I have sent my original letter reclaiming £ 775 back last week. Given that they have 14 days to respond, i will sent my 2nd letter next week if no reply from HSBC untill then.

As advised on this website, in my 2nd letter i should state that i have not received a reply/satisfactory answer, and give them another 14 days before i start court proceedings.

So my question is, if the 14 days after my 2nd letter has been sent are over (so 4 weeks after 1st letter), should i start the court proceedings, or get on the phone to them, and give the 8-weeks rule a chance??

So in other words, would i have more chance in getting my money from HSBC by stick to what i write, and start court proceedings, or wait up untill 8 weeks to give them a chance to settle it ouside court?

Thanks a lot for your help already!!

Take a look at the last three pages - i've put a bit in about whether to go to court or wait the 8 weeks. In a nutshell, you'll wait a lot longer (months...) but you'll get your interest and costs back with MCOL. If you need your money quicker, do the letters but wait the 8 weeks...

shavenlunatic

grr, just phoned the missus, still no letter, if this truly was sent on friday then i believe it may be arriving via a limping pigeon with one eye...

anyone else who was promised that the letter was sent friday had any luck yet?

subinagui

I just spoke to some guy from HSBC who is trying to get some info/a callback from their legal department, since i have started the MCOL process (15 days in now).

Am I right in saying that since my starting the MCOL process, they no longer are obliged legally to give me a full response within the 8 weeks of my claim letter?

thats what the guy just told me...

eyeball0001

shavenlunatic wrote: »

grr, just phoned the missus, still no letter, if this truly was sent on friday then i believe it may be arriving via a limping pigeon with one eye...

anyone else who was promised that the letter was sent friday had any luck yet?

Serems pretty slack - mine was pos marked on the 30th - 6:45pm and it arrived tuesday morning...

shavenlunatic

lolabug14 wrote: »

hi all,
I sent off my first letter a week and a half ago and recieved my reply today. HSBC have said that they have recieved my letter and are looking into the matter and will contact me when they have looked into it. They have not stated a time in which they will respond yet didnt say i couldn't claim. I'm a bit confused as i wasnt expecting this. Has anyone experienced this? what do i do next?

Send your second letter on your planned date.. give it 2 weeks and call them. Their response will be "We are looking into this, we are allowed 8 weeks (from the date of them receiving the initial letter) blah blah blah"

This is where you make your decision, do you wait the 8 weeks (they do seem to be sending out offer letters at the end of the 8 weeks, mine should be hitting the mat any day now.... grr) or take them to court?

If you have a good read through this thread (especially the more recent posts over the last few weeks) you will be able to get a better idea of what decision will be best for you.

tracepppp

Hi There, Gone throught the process as far as informing HSBC I intend to take them to court, 7th May being the deadline, and fully expect to start the court process of my £9922 claim! My question if anyone can kindly help me with, is that it's over the small claims of £5k, what have i to pay & can i do it in 2 claims? I'm confused, I must confess! I do intend to take it all the way, as I remember how desperate I was being in debt to the point of trying to commit suicide at the time, and these bank charges just made it impossible for me to help myself out of debt! I'm ok now, but I think their charges are disgraceful. Thanks in advance

markwoods10

deb66 wrote: »

Hello everyone

I am new to the boards this is my very first message so please excuse me if I do anything wrong! I have written to Abbey with my list of charges totally £1424.00 over a six year period. They have replied to me within 10 days saying that my case is being looked into and may take 4 weeks to reply, "sorry your unhappy about the charges, they're not unlawful etc". Are they trying to stall me or is this a normal response.

I am very nervous about threatening court because knowing my luck over the past 5 years, (divorce, a year off work with depression, losing my family home and the list goes on) it will end up going to court and I am afraid I will lose. Please can someone advise me what I should do next. Thank you in advance.

Hi
well I was in the same boat, but just got 550 from HSBC after bout 6 weeks
they do state that charges are not lwafull but looking at all post not one has actully gone thru with actually defending in court,just send the letters from this site and they will sort in the end but will play for time

good luck let me know how you go

shavenlunatic

decisions decisions.

HSBC letter did arrive today (post was late).. i requested over £1800 inc interest. They offered £1050, missus said they stated int he letter a list of things they think I couldnt claim back (overdraft limit fees etc.) .. im pretty sure I can.

The wife is typing and e-mailing me the letter shortly so I will post and ask for advice soon. But in the meanwhile, I guess i have to make the choice between taking the 1k or taking it to court... !!!!!!.. annoying this is I said to myself that anything over £1200 I would accept.