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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
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    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
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HSBC - Card Guard, CPP claim


Elsie911
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Hi All

 

Having spend a bit of time reading some threds this evening, I have been inspired to take on HSBC.

 

When I opened a student account with them in September 1999, I was told I 'may as well' have a credit card - for emergencyies - and that their card protection came with it. I was told I should take it out as I could put all my other cards from other banks on it too. (I remember this bit clearly as my mother wasn't all too keen on sending me off to university with a credit card!!)

 

The policy was annual and they write to tell me when they are taking the next payment. This is always something that I thought I needed as that was what I was told at the outset and I have never thought otherwise....until now!

 

When completed my personal banking this evening, it would seem that I have had my HSBC account upgraded. Reading someone of the perks I get as standard made me think carefully about the annual policy and if there is anypoint to it.

 

Anyway, I have come to the conclusion that I don't.

 

I hope someone will be able to help with with a few questions. Is this the kind of thing that I can claim back? I feel I was mis-sold this policy and the fact that I was only 18 at the time of taking it out, they probably saw a young girl about to leave home for the first time!! What should I do next? I am happy to write to the bank, and have some idea of quotes and things I can put in the letter to let them know I am serious.

 

Can anyone give me any more advice? Have I got a claim or not?

 

Many thanks

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yes you can reclaim it but through CPP

 

have moved you to the CPP forum.

 

click the blue CPP group plc up top in blue

 

and have a read

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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read the yellow stickies

 

and other peoples threads esp martin3030

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?356-CPP-Group-Plc you are in this forum already

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks so much! I have had a read and written a letter. I have explained in the letter that the customer service advisor failed to explain the policy to me and consider if it was in my best interests etc etc. I have also put that I was made to feelt that I had to have the policy - I hope it is enough.

 

Should I just given them 14 days to respond? I feel that I need some offical jargon to put at the end about what would happen should they fail to respond - do you have any ideas or phases?

 

really appreciate your help - I really have no idea if I am doing the right thing!!

 

Elsie

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8 weeks sadly.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Actually cancelled my CPP back in 2007 but got a letter through the post so filled it in using one of the many "advice posts" on here. Just banked a cheque for £83.09

My girlfriend had hers returned so again used one of the "advice posts" on here and got a cheque for £209 BONUS.

Many thanks to all who posted great info.

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