HSBC (merged)

thumbandit

to be honest id accept anything over 1000 ish so if they make me an offer id rather take it and save a load of hastle

DONNA_EVANS

If thats the case i'd sit tight and wait for the offer.Good Luck

JCRobo

Quote:
Hi - Recieved the Notice of Transfer of Procedings today and a little scared that it has got this far! I am only trying to reclaim £269!! A lot to me but not to a huge bank.

HSBC have entered the following defence via DG - seems standard from the posts above:
1. The Claimant's account is governed by the Defendant's personal banking T&Cs.
2. Pursuant to the Defendant's T&Cs the Defendent is entitled to make a charge for it's service's as set out in the Defendant's price list, inc an overdraft review fee for considering whether to provide and providing an overdraft.
3. The Defendant denies that the charges applied to the Claimant's account amount to penaties at common law and/or unfair contract terms for the purposes of the Unfair Terms in Consumer Contracts Regs 1999 (UTCCRs).
4. The charges applied to the Claimant's account are reasonable and properly and fully disclosed in the Defendant's T&Cs and published price list. The charges represent the contractually agreed price for the service provided and the UTCCRs are not applicable to them; alternatively, they are not unfair contrary to the UTCCRs. Further the charges are not default charges and accordingly, cannot amount to a penalty.
5. Save as set out above, each and every allegation made by the Claimant is denied. For the reasons set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Serious. I guess I just need reassurance that other people have had the same response??

Do I just wait for a date now? Or contact the court?

I am at this position to.

I will start doing the court bundle, but can anyone explain their defence above?

And does a court date follow this letter i received? As the letter had a counterclaim form attached to. Do i fill this out??

Thanks

Does anyone know what that defence means

Im claiming for £1300, and would like to go all the way and not stop here.

Thanks

pete-in-london

This is the standard HSBC defence. Nothing to worry about. They are using the 'service charge' argument by implying the charges are not penalties in themselves but legitimate service charges.

The next stage it to wait for a court date to be set - you'll also probably be contacted by DG solicitors asking for a detailed list of your charges - although they are extremely slow so this may take some time.

HSBC have not (to my knowledge) taken anybody all the way and have always settled before the court date. They do like to drag it our for as long as possible.

desperate_lou

thumbandit wrote: »

I have made a claim for £1964, the first letter was sent dated 2nd May 2007

I recieved a letter on the 14th of May with the following info

REf: SVFAIL1/SFIFLT

Thank you for your letter dated 2nd may concerning bank charges

.... etc i am looking into the matter and will contact you when i have finished my investigations ...

signed : Mark Loker .... Service Manager
Hi
Same here, i received exactly the same letter on 16th May. They said they had 8wks from the date they processed the letter. I m at the stage too where im not sure if i should do lbc letter or wait the eight weeks, or maybe write a polite letter to see if i can hurry things up. Just received more charges of £125 due to come out next week. Should i add these to the amount i want to try and claim back or phone them and see if they will drop the charges this month, I should then be within my overdraft . Any help appreciated

....

This letter is now about a month old so what should i do now ? Ive looked through some of the threads but they are so big i was having trouble filtering out the good info from the inappropriate.

Thanks for any advice that may follow

Desperate lou x

desperate_lou

becksta 22
Hi sorry can i just ask has HSBC every made you any offer, and did you wait the 8wk while they investigate?. I am just trying to find out if they are making customers go down the court road when they refuse an offer or don t wait the 8wk. Sorry if this question has already been asked

thanks lou x

lostlollyinnotts

Hi Fellow warriors,

I registered a claim with MCOL for £2200 on April 26th, and HSBC acknowledged 1st May. When I checked on the 25th May they had filed a defence, but I have not received any paperwork since? I am guessing that I will get a transfer of proceedings notice - anyone know how long this may take to come through - or should I have received this already?

Thanks in advance.

Steve

MANDIE_3

I have just asked for judgement by default on mcol as HSBC have filed no defence so I'll wait & see if they pay up!

tamie2

i been waiting 9 weeks :mad: now had no reply at all from any of my letters havnt the cash to take to court yet been messaging them online had replys back from each one sent sayin gthe same dealing with it :mad: have any one got a number to phone them on insted of the stupid 0845 number please thanx xxx tamie

JCRobo

Thanks Pete In London.

Sod's law im away for 2 weeks next week, so i may phone the court to see if a date is set.

/fingers crossed.