Claim Issued Against Me. HSBC BANK.**WON** They discontinued - Page 3

pt2537 · 6th January 2008, 13:07

Hi Wednesday,

ill pop back in later to go through this fully with you as im off out now, but dont worry, they have no grounds for bringing this action pure and simple

Regards

paul

wednesday1867 · 6th January 2008, 13:17

Cheers Pt

Not worried, quite looking forward to it

pt2537 · 6th January 2008, 20:17

Hi Wednesday,

Sorry but i got caught over the outlaws earlier

Right then, i have a question,

the Bank account these macaroons are suing you for, do you have a statement showing that it has a zero balance?

if so excellent, if not we need proof that the account has a zero balance at its close

Regards
paul

B3rty · 6th January 2008, 20:39

Paul..almost repeated your post above so I have deleted it....

I have a simular situation so there should be a good case if the wrong account detail, i.e the old closed account is the one assigned.

I spoke to some one in HSBC customer services who explained that this was a cock up by Metropolitan and they had assigned many closed accounts

wednesday1867 · 6th January 2008, 23:02

Yep i have the statement thats shows i had a positive balance when it closed, last action on the statement in the transfer of the plus balance off the account leaving a £0.00 Balance Account Closed bottom line.

pt2537 · 6th January 2008, 23:04

Great news mate,

well defending this will be fairly easy IMHO

can i just double check when the defence is needed to be at the court?

wednesday1867 · 6th January 2008, 23:10

Forgot to mention, no need to apologise about being with the outlaws

all your help is greatly appreciated.

I received the court papers with the date of 17th December on them. So by my reckoning, i had 5 days plus 14 to submit my intention to defend, deadline being yesterday, so i now understand i have another 14 days to submit my defence, which gives a date of 19th January.

pt2537 · 6th January 2008, 23:16

ok super,

im afraid i may ask the same question more than once, its just that when you are helping a few people you tend to get a little muddled and thats why i ask just to confirm things so appologies in advance if that happens

right then we have plenty of time to go for the defence, so thats not a problem

you will need to get photo copies of the Bank statement for sure as you will need to submit it with the defence

any way, i will have a look and see what i can come up with for you
regards
paul

wednesday1867 · 6th January 2008, 23:24

No problems ask away.

I take it, its not worth counter claiming for anything, the default doesnt worry me at all.

Only question i have is, where has the debt gone? HSBC have sold it, so they have wshed their hands of it? CL cant chase me for it if they have wrong details? So is it likely it has just vanished?

wednesday1867 · 6th January 2008, 23:28

Also will the defence bundle be anything like the bundle for going to court with the charges?

pt2537 · 9th January 2008, 20:36

Quote:

Originally Posted by wednesday1867

No problems ask away.

I take it, its not worth counter claiming for anything, the default doesnt worry me at all.

Only question i have is, where has the debt gone? HSBC have sold it, so they have wshed their hands of it? CL cant chase me for it if they have wrong details? So is it likely it has just vanished?

Right, the debt has gone nowhere IMHO as they sold a nonexsistent debt

you have proof that the account was closed and has a zero balance therefore they have sold a non exsistent debt

wednesday1867 · 9th January 2008, 21:23

So its just a case of waiting for HSBC to re find it and sell it on under the right details?

I did all the paperwork to take HSBC to court a few months ago, reclaiming the interest and getting the default removed, but i forgot to sign it, i re sent the paperwork, but the court didnt match it up and i was refunded, never got round to re submitting it, would it be worthwhile, once this has done, taking HSBC to court regarding the unenforcability of the agreement and to get the default removed? To put this to bed as it were.

pt2537 · 9th January 2008, 21:36

Well, i find it rather funny actually that they have goofed it completely and sold an empty box for probably a few quid

you can reclaim any penalty charges on this bank account BTW , lets worry about this case in hand first before we start looking at future litigation

regards
paul

B3rty · 9th January 2008, 21:39

Wednesday

I spoke to someone at HSBC solicitors on the 27th Dec which was a great time as the person was full of Xmas cheer and very helpful, she told me that the wrong accounts were used by Metropolitan as they had used old account numbers that were showing on the systems and the new accounts had disappeared so their systems balanced

wednesday1867 · 9th January 2008, 21:53

Quote:

Originally Posted by pt2537

you can reclaim any penalty charges on this bank account BTW

Wheels were in motion until the OFT started their claim, my claim for charges on the bank account has got to the court stage, but was Stayed until the outcome of the OFT case.

Quote:

Originally Posted by B3rty

Wednesday

I spoke to someone at HSBC solicitors on the 27th Dec which was a great time as the person was full of Xmas cheer and very helpful, she told me that the wrong accounts were used by Metropolitan as they had used old account numbers that were showing on the systems and the new accounts had disappeared so their systems balanced

My Managed Loan went to Metropolitan first, i have just checked their letters and they too quote my Current Account Number. So it may of dissapeared?

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