no i wasnt one of the 44 but was told by the court clerk that the dj was just piling up the cases and not dealing with them people i knew were taking their bank to court long after i did an d got court dates surley this isnt right what he has done and yes it does seem to look like another money making [problem]

before dj Besford at kingston upon hull on 12th sept the papers in this claim were considered by dj besford and upon it appearing to the court that a) a test case has been issued in the high court between the oft and certain banks with a view to determining issues of legal principle in relation to the recovery of charges made on current accounts and the applicability of the unfair terms in consumer contracts regulations. b)further info in relation to the test case can be found on oft website c) the issues raised will affect this claim. it is ordered that 1) this claim is stayed until further notice with a view to awaiting the final decision of the test case which will also inlude any appeal made by the banks. 2)either party may apply to have the stay set aside by application on notice in accordance with the civil procedures rules 1998 part 23 i took hsbc to court and the papers were transfered to hull in may but we recieved no corrospondence from them at all and whenever we contacted them we were told that the dj had our file and we would hear something within a week this went on for 4 months how fair is that

has anyone applied for a stay to be set aside if so what was the outcome, i have just recieved a stay even though the court has had my papers since may this is the first letter i have even had from them

rang connaughts sat they say they were not aware of our cca request to 1st credit and admitted that if they try to take legal action the court would throw it out without a cca so they are closing the account and passing it back to 1st credit what now though

thank you

the highest debt is for 22000 with hsbc for a managed loan that i was forced into taking the rest are between £2000 and £3500 and no we do not own a house we rent

no we owe about 55000 in total i know its a hell of a lot but we got into trouble at a young age but owe that company 2800 they say they are a collection company but found out they are a branch of 1st credit. we cant go bankrupt as my hubby is armed forces so he would be kicked out, dont know how much longer i can cope with all this though i dont know which way to turn

the debt is also about 11 years old but we were making payments up to about 3 years ago

the debt are all unsecured loans, i rang connaughts today but they said unless we pay th £2800 within the next 3 working days then they will proceed to make us bankrupt and that judges are now enforcing debts without cca

To cut a long story short i have applied to all my creditors for a cca and included the £1.00 fee no of them have sent back a copy, but the main one that we have been having dificulties with is 1st credit who brought our debt from abbey national they wrote to us saying they didnt have a cca but to pay up so we wrote back saying we wouldnt pay untill the cca was provided, this morning i got a letter from connaught saying they had been passed our account and that they are issuing a bankrupsy order i dont know what to do

hi just found ot by telephone that my case along with 700 others are also to be stayed, i wouldnt mind but the court has had my court papers for 3 months and every time we have rang to see whats going on we have been told it was still with the dj waiting for a court date and now this, i feel cheated and very angry we paid our £100 to take a bank to court we may as well as chucked it in the bin. Surley this is just a money making sceam because if the consumers lose there will be no court hearing and if we win there still wont be a court hearing because the banks will have to pay out so where are all the thosands going from people taking them to court. whinge over but still dont feel any better.

just been to draw my money out of my account but the bank has charged me £140 in unpaid direct debit. the company has tried 5 times on the same day resulting in 5 charges of £35 each, this has now left me no money to live on for the rest of the month with 2 children, i ony get benefits to live on as it is they are the only source of income i have can they do this please help i am desperate

no the managed loan was forced on me by hsbc just to cover my od an d crdit card and yes we got coppies from all 3 does this mean they are gone copletly even though we still owe the debt

hi this may seem like a ramble but i will try to explain best i can 11 years ago i was involved in a terrible car accident in which i broke my back,we took on solicitors to claim comp, we had to take out loans to cover medicals ect but was told that i would probably get around £50,000 comp so we knew this would cover them all, eventually after having to take out more loans to cover the payments on the other loans we only recieved £8000 comp. so we were left with so much debt this has just spiraled out of control and due to the managed loan we took out are now £60,000 in debt we have requested cca but as yet havent recieved any, well overdue anyway we decided to look on our credit file but there is nothing on there exept our managed loan so where is our other loans gone and what happens with them now we have been making token payments to some of them but even they are not showing on th file.any help please

thank you very much i thought i had got the same dj but i havent

does anyone know the name of the dj who has been striking out claims in hull

Are you sure i cant put in the face it looked ssoooo good, ok maybe not thanks for the info though im writing my letter now am a bit behind am only just sending my statement of charges hope this wont hinder case

thankyou for your responses, firstly i am not cllaiming interest as this would have taken me well over my £5000 and the wouldnt have been able to go through small claims, secondy i have recieved my transfer and you are right no AQ is required will phone court tommorow to see if i need to pay a fee though. My worry is is that its at the hull county court with dj murdock and i'm sure he is the one who has been throwing cases out in the banks favour. can you let me know what i should put in a nudge letter i know im a bit thick but im not very good at all this and im getting a bit dismayed

hi i need help in writing a letter to d&g, i've got my statement of charges together to send to them, and i've just had notification that the court has dispersed with AQ, but i dont know how to word a letter to them can anyone help.

no i havent been paying these accounts,and some are close to being statue barred, but with them adding the payment it will cancel that out

hi ive requested my cca from my creditors incuding the £1 payment, 3 of them have written back totally ignoring the letters but thanking me for my payment towards account,that isnt what it was for so what can i do.

hi you need to check with mcol that a defence hasnt been submitted, and if it has find out the exact time.The reason for this is my defence was due mon i spoke to d&G in the morning and they advised me that they didnt have to put in a defence by that day because the court always allowed them more time,REALLY i thought so i contacted mcol and told them of thisand they were disgusted to hear that mcol were acting in this manner and advised that they either have to have their defence in or an application for more time but it has to be before the date you have been given.

CAN ANYONE PLEASE PROVIDE T&c for 1999 hsbc have just put in their defence but i want to get organised

Thank You Very Much For That

Its A E-mail For Kate That I Need