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    • Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website  offering to pay them x amount of money back each month,  a couple of weeks back, they haven't acknowledged that ?  
    • Hello, I wasn't able to update the defence, so they got the daft one.  Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address.  A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it.  Barclays 26042024.pdf
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    • That is a superb WS. However, I have a few tweaks to suggest. In (2) "indicating" not "indication". I think to be consistent with your numbering, in (6) the Beavis case should be EXHIBIT 2. Do you really need to include over 100 pages of Beavis?  I think that would be likely to annoy the judge.  Just try and find the bit where they decide it was not a penalty due to having an interest in limiting the time that vehicles can stay. I'll have a look myself for this bit later as it's highly likely to be in WSs from PPCs who think that that paragraph means all their charges are valid always on every occasion. After your current (7) add this.  It's always useful to refer to a judgment when making a legal point - 8.  In the case PCM vs Bull, Claim No. B4GF26K6, where the Defendant was issued parking tickets for parking on private roads with signage stating “No parking at any time”, District Judge Glen in his final statement mentioned that: “the notice was prohibitive and didn’t communicate any offer of parking and that landowners may have claim in trespass, but that was not under consideration”.   In (14) if my maths are right the CPR request should be "EXHIBIT 3".  it is missing from your list of exhibits. In (16) the two figures should be £100 and £170.  They are entitled to increase fro,m £60 to £100, they are not entitled to increase to £170.  To make it clear for the judge I would write - 16. The Claimant has artificially inflated their claim for a £100 invoice to £170. This is simply a poor attempt to circumvent the legal costs cap at small claims. 17. The Claimant has also invented a second fictitious charge, for legal representative's costs, when they have no legal representative. You also need ot number your exhibits. The rest is excellent - well done.
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HSBC is going to remove my overdraft facility help.


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I have today received a letter informing me that my overdraft facility of £600 will be removed on the 23rd of January.

 

They said that the overdraft facility would be removed.

 

They also ask for a list of income and outgoing list to be completed which the have called the Affordability form.

 

Is this punishment for sending them to court twice?

Can they do this?

How do I stop them?

Can I stop them?

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They do have the right to withdraw this facility, although you may of course be correct in the assumption that it is a retaliatory action for having reclaimed charges.

 

Proving it would be another thing. It would essentially be a case of complaining to the FOS and letting them decide, but if you feel as though they are doing this for no other reason, it might just be better to move to another bank who will offer the same or similar OD facility.

 

Are there other circumstances that could have affected this decision - change of financial status etc?

 

If your finances are in order, my best advice would be to move banks now. You might wish to keep this account open (unused) whilst you submit a complaint...

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 8 months later...

I think your best bet would be to open a parachute account somewhere else. That way you can start from scratch and manage your finances a bit better. Once you have set up a new account,you can then go back to HSBC and start up a repayment plan as well as carrying on with your claim.

 

If you need to check the charges, you can do this online at the HSBC website. You do need to be registered for this. You can check up to 6 years worth of statements.

 

I do not know any free "help" comapnies, but I am sure you can get all the advise you need right here. It also might be best to start up your own thread, that way we can advise you of the whole reclaiming process and it won't get confused with the advice given to JOSHIOU.

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sometimes it can take a while to get a response from the FOS. should you need any further help, just ask away. We are right here ready to help :)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Take more water with it jo..............:D

 

 

PS : Have you told katylegs her answers are on here jo ? :confused:

:)

Edited by johnnymitch

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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