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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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HSBC - DG Solicitors


Spiceskull
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If you have had any dealings with DG Solicitors, you may wish to view the following PDF, giving a detailed description of their role within, and as a part of HSBC:

 

Click this link to view the PDF - DG - PDF

 

HSBC Invoice Finance has a recovery and dispute resolution operation based in Birmingham. Within this facility there is a dedicated litigation team of solicitors and legal executives who specialise in commercial debt recovery. The litigation team operates in the name of “DG Solicitors” but is a dedicated “in-house” unit. As DG Solicitors use the same systems as we do, we offer a seamless transition to issue legal proceedings, if necessary.
If you have had any dealings with DG Solicitors, whether good or bad, then feel free to share your experiences on this thread.

 

See the steps I took to get my bank charges back

Spiceskull v HSBC

Thank you Consumer Action Group

Read my blog

View a heated discussion about bank charges on the Times Educational Supplement bulletin boards

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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"As DG Solicitors use the same systems as we do, we offer a seamless transition to issue legal proceedings, if necessary."

 

hmm, why do they need us to send them details of our charges history then?

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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"As DG Solicitors use the same systems as we do, we offer a seamless transition to issue legal proceedings, if necessary."

 

hmm, why do they need us to send them details of our charges history then?

 

maybe they want us to work for our money:D

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yeah sure i dont mind

 

say £30/hour, thats reasonable i think

  • Haha 1

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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For cases where the standard charges do not apply, DG Solicitors will charge their time on a ‘time spent basis’ at the competitive rate of two thirds of the general market rate. Their current charge rate is £100 per hour plus VAT.

:-D

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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  • 3 weeks later...

Hi guys,

 

thanks for all the links to DG Solicitors, and contact information. Is anyone aware of an email address for them, or is it best to use a fax?

 

I submitted by claim on Tuesday, and haven't heard from them yet, but want to speed things up a bit. I have my breakdown of costs ready to send so don't want them to faff about for a few extra days for the sake of it...

 

Thanks,

 

WendyN

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i faxed them my charges breakdown and got my settlement two days later ;)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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They are going to choke when they get the claim I raised today...for the invoices I issued in bringing unlawful "charges pending" to their attention...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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  • 1 month later...

Has anybody got an email address for them at all?

 

 

 

 

edited: typo

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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They are going to choke when they get the claim I raised today...for the invoices I issued in bringing unlawful "charges pending" to their attention...

 

How did this go?

 

Also, you might be pleased to know that I am referring DG to the law society - check out the process in the un1boy vs hsbc - SETTLED thread below

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 2 months later...
  • 2 months later...
i faxed them my charges breakdown and got my settlement two days later ;)

 

I received an Acknowledgement of Service claim from HSBC on 30 January, 2007, where they intended to 'defend all the claim'. This was followed up with a request for a fully itemised breakdown of the amount claimed by DG on 14 February 2007. I faxed this information over to them on 16 February 2007. Unfortunately they haven't been so prompt in responding as i have yet to hear from them. No chance getting through via telephone either...It's now 28 February 2007. :-x

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it would be best larry if you start your own thread - just look at top of bottom of the forum list for "new thread", it's a smallish blue oblong and press and you are away.

this is entirely normal for them(dg) - as it has now been 28 days from your issue date - can you try to press the judgment button on the mcol? try it. that will tell you if they have entered their defence - perhaps you submitted an n1 in which case you could ring the court to see if they have submitted their defence. so,start your own thread - or we'll never be able to find you - and let us know what you find out - we can help you from this point if we know where you stand.

you could also ring dg to see if they received your breakdown;

here are some dg phone numbers:

0121 455 2111 (Debbie)

0121 455 2701 (Rachael)

0121 455 2196 (Kate)

 

mostly you get voicemail - but you could leave your name, claim no., tele. no. and ask they to get back to you and that you wish to know if they received your breakdown.

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  • 1 month later...

Hi all, just thought you might like to know that I am also at the notice to defend stage with HSBC, in the interests of dispute resolution I have attempted to phone them as the date for filing the defence is approaching and they have responded with "we will respond within the guidlines set by the FSA which is 8 weeks" I asked if they were recording the call they said yes so I asked if they viewed the FSA or the court as the higher authority, so they said FSA, I repeated this in about 3 different ways and the response was always "we follow the FSA guidelines" maybe someone who knows someone in the press might appreciate that the banks obviously think they are either above or outside the law !

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  • 2 weeks later...
maybe they want us to work for our money:D

 

 

 

What on earth do you mean?

 

I did work for that money and they took it off me.

 

I reserve the right to fight for compensation

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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  • 4 weeks later...

they are not very helpfull at all idid manage to get another number from hsbc bank cause those numbers you get are to there voive mail covenient hey

 

rachael 0121 455 2753

debbie 0121 455 2749

 

 

goodluck everyone as i have trying to get my money back since nov 2006

i did get a letter of an offer back may 2007 since then nothing

 

come on where is my money EDIT

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I received a defence from DG solicitors instructing me that they refuse that HSBC owe me any money what soever.

 

However HSBC sent me on numerous ocasions and on the same day i recioved the defence i received a further partial offer.

 

I am waiting further instructions from the judge can any one help ?

 

I have already sent them a letter objecting to the partial settlement.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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  • 2 weeks later...

Hi All,

 

Have read loads on here and sent my letter requesting my statements which I have never heard back from, so after the 40 days (ie today) I have gone online with HSBC and calculated all charges a total of £3225 inlcuding 8% interest.

 

This letter is going today, obviously par for the course wait 14 days and then send the LBA letter...

 

When should I contact this DG Solicitors group?!

 

:?

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