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charlieho

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charlieho last won the day on August 22 2006

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About charlieho

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. Regrettably ,sist granted to HBOS at Greenock Sherrif court this a.m.
  6. texel , you''ll get there in the end. Have you heard of anyone losing there penalty charge case?
  7. Texel, Thanks very much seems a bit daunting to stand up a read all this out but I'll give it my best. Did you go to court after your sist was not granted or did the bank settle??
  8. Texel, thanks for that note of encouragement. Not quite sure of court procedure - Did you just stand up and quote the Govan law Centre example of Cohen v Clydesdale bank or do you present a written statement for the sherrif to read??
  9. Decided to go and get charges back against HBOS - have followed procedure I used successfully against Nationwide. HBOS have applied for sist at Greenock Sheriff Court.When I asked sheriff clerk at Greenock what was happening to sists,(when I lodged the small claim) she said that it depended on the sheriff hearing the case and that there had not been many bank charge small claims recently. Do I have to tell HBOS that I am opposing the sist other than at the incidental hearing?? - I intend to use the arguments from the Govan Law Centre http://www.bankcharges.info/resources/sisted.pdf Has anyone gone ahead and opposed a sist or gone to a hearing recently?
  10. I've actually taken the forms to court myself as I've found the staff very helpful on procedure although you can send them in by post (Cheque for £39.00 made payable to Scottish courts service).
  11. Sandy, I've only used the simple spreadsheet for scotland although others have used the complex ones -why not download both and enter your charges in both and see how that works out. charlie
  12. Andy, best of luck if you follow the procedures outlined on this site you will get YOUR monek back. Charlie
  13. 6-8 weeks at Greenock -if you don't want a hearing in between specific dates tell the sherrif clerks -most seem happy to oblige. Charlie
  14. Ladies at Greenock Sherrif Court were helpful - haven't actually had a hearing yet.
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