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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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HSBC Credit Card


rudy691
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hi guys. im new here and cant understand all those procedures...i think ive read too many...

 

here's the deal:

 

i have a credit card with HSBC (Mastercard). there is about 1250 quid on it with the 1300 limit. im in kind of difficult situation right now because my wife is 8 months pregnant and we're struggling a bit now. so i wanted to check if i can have this debt written off... credit card was taken in July 2006. the other thing is that they have raised my credit limit without agreeing that with me. at first i had 750, but now its 1300...

 

so, will somebody be king enough to explain me how to get that debt written off ? this would mean a lot to me and my wife.

 

Thanks

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Hiya rudy691 and welcome to the HSBC forum :).

 

Much has been written about getting credit debt written off because of legal loopholes and yes it is possible under certain circumstances.

 

I think the general feeling is the banks deserve it because they have been and still are being such idiots but morally you have had this money and spent it so you should really pay it back even if its at a much reduced rate and on your terms not the banks.

 

So on that basis you need to send off a Consumer Credit Act section 78 letter, its letter "N" in this thread, suitably edited to your own circumstances.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

see what they send back, post it up here and one of us will have a look :)

 

pete

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Hi Rudy,

 

The common address seems to be......

 

HSBC BANK PLC

8 CANADA SQUARE

LONDON

E14 5HQ

 

There are others too, a quick search for HSBC address in the search would help if you dont like this one!

 

As for the postal order, I left mine with no name on it and they sent me some completely inadequate useless CCA, so I would leave that part blank (If anyone knows better please do not hesitate to correct me)

 

Good luck, and be prepared for a lengthy battle!!

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Hi Rudy , welcome to the forum :)

 

To save Canada Square from having to forward it on I would send it direct to :

 

UK Data Protection Compliance

HSBC Bank plc

Griffin House

4-01, 41 Silver Street Head

Sheffield

S1 3GG

__________________

 

Oops ! sorry PD - I've just noticed your link :oops:

Edited by johnnymitch
Grovelling apology ....... lol

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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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Thank you .... :D

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • 2 weeks later...

Time to send the call-up then rudy ... :)

 

CCA Call-up letter

Reference ....... (your letter of xx xxx xx)

I am disappointed that you have failed to respond to my request for a copy of my Credit Card agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience.

I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.

I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Failure to respond positively will be reported to the Financial Ombudsman Service and the Office of Fair Trading.

Yours faithfully

You could add :

"PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec) "

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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its not been 12 working days yet ;) i'll a couple more days. letter was delivered on the 6th of August and signed by somebody called Griffin. Ive send them a message through online banking that i will send a call-up letter in the next few days. Thx

Edited by rudy691
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hi. ive send a message through the online banking. ive included the cca request text in full:

 

Dear Sir/Madam

 

Re: Account Number: ----------------------

 

This letter is a formal request pursuant to s.78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a cheque in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

I look forward to hearing from you.

 

Yours faithfully

 

 

i wrote that i will send them the call-up letter soon. they've replied to my message, here's what i got:

 

"Thank you for your e-mail dated 16 August regarding the copy of the original agreement form.

 

If you wish us to provide you with the original copy of the signed Terms and Conditions then please write to the following address:

 

HSBC Bank plc

Chartwell House

365 Chartwell Square

Southend-on-Sea

Essex

SS99 2UU

 

However, if it is related with transaction disputes then please mark the envelope as 'For the attention of Transaction Queries'.

 

The External fax number is 01702 363182.

 

I notice your card account is currently being dealt with by our Cardholder Management Team.

 

For further queries, please call them on 08456 077 088 from UK or on (44) 1702 576 826 when calling from abroad. They are open from Mon - Fri 08:30- 21:00 and, Sat 09:00 - 13:00(UK time). They will be able to advise you.

 

 

Kind regards

 

Supratik Sarkar

Customer Service Team

HSBC Card Services"

 

what do you think ?

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This is all done to confuse you IMHO, rudy - it's a pillar-to-post shuffle hoping you'll give up and go away ....

 

I would send the call-up to the original address (Data Protection Team ) wtih a covering letter saying that it is for them to contact any dept of theirs which is responsible ..... it is for them to produce the info you require, and that failure to comply within the next (?) days will result in a report to the Information Commissioner .

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Isnt it a bit strange that they didnt send me anything at all ? Not even a blank form ? What is the waiting time after that call-up letter ? Thx

Edited by rudy691
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letters ready to be sent tomorrow ;)

 

- call-up letter:

 

CCA Call-up letter

 

Re: letter sent on 5/08/2009 (delivered on 6/08/2009)

 

I am disappointed that you have failed to respond to my request for a copy of my Credit Card agreement to which I am entitled under the Consumer Credit Act 1974 (Sections 77−79). A copy of this letter is attached for your convenience. There is also a copy of post office receipt to prove that letter was sent.

I have previously enclosed a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.

I am sure you also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Failure to respond positively will be reported to the Financial Ombudsman Service and the Office of Fair Trading.

PLEASE NOTE that unless otherwise stated by yourselves and if the above documents are NOT provided, it will be CONFIRMED that you are unable to reproduce/provide in any way shape or form any copies of the above requested documents. You are reminded that you have a duty to inform me if you do not have the above documents. This is confirmed in High Court Law - Ezsias v Welsh Ministers - [2007] All ER (D) 65 (Dec)

 

Yours faithfully

 

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i have also add letter about my recent contact with cust service through online banking ;) here it is:

 

I have recently contacted your customer service through online banking regarding my CCA request. Here’s the reply:

"Thank you for your e-mail dated 16 August regarding the copy of the original agreement form.

 

If you wish us to provide you with the original copy of the signed Terms and Conditions then please write to the following address:

 

HSBC Bank plc

Chartwell House

365 Chartwell Square

Southend-on-Sea

Essex

SS99 2UU

 

However, if it is related with transaction disputes then please mark the envelope as 'For the attention of Transaction Queries'.

 

The External fax number is 01702 363182.

 

I notice your card account is currently being dealt with by our Cardholder Management Team.

 

For further queries, please call them on 08456 077 088 from UK or on (44) 1702 576 826 when calling from abroad. They are open from Mon - Fri 08:30- 21:00 and, Sat 09:00 - 13:00(UK time). They will be able to advise you.

 

 

Kind regards

 

Supratik Sarkar

Customer Service Team

HSBC Card Services”

--------------------------------------------------------------------------------------------------------------------------------------

I want to inform you that it is for you to contact any department of yours which is responsible, it is for you to provide info I require and failure to comply will result in a report to the Information Commissioner.

Regards,

 

 

 

 

 

 

so can somebody tell me what is the waiting time now ? thx

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Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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