Thanks Freaky! Think I'll PM Jowalshy to find out which courts awarded judgement as well. Might be useful... How are you by the way? Heard you weren't feeling too well lately...

Thanks guys! Love the pic BTW Pete - Did you draw it yourself? Just read DG's bit. Re: point 10 - couldn't stop the tears of laughter rolling down my cheeks! Think I'll have some of what they're smoking . No way have they kept me or anyone else for that matter informed....Unless of course they've done it by ESP:rolleyes:. I'll use the skeleton argument, but will take out the points regarding further charges. They no longer apply to me as the very nice people at HSBC have now closed my account! Will be raising a further complaint with the FOS, but that's another story... Does anyone have a list of settled cases since the announcement of the OFT case? I'd like to take that along too! TIA

Hey Johnny! How are you? Thanks for the reply. I think I can prove hardship as well as the emigration card, so will use these and hope for the best. At least I won't have to ask that no more charges are applied to the account as HSBC have already closed it! What other arguments/papers should I bring to the hearing? Anyone able to advise or help? TIA

No - the original loan was taken out about 1997!! It went to the original DCA in about late '99 I think....If memory serves, then I think the last payment to that DCA was in May '00, but need to check... Sorry if I wasn't making any sense....

Thanks Vogelrok! Not sure when the last payment went to the original DCA, but think it might be about May '00. Will check though... Where can I find the CCA request form? Thanks

Hi Got a letter from the above people yesterday. It relates to a loan I had from Lloyds about 2000. It went to a DCA based locally (can't remember the name but think I still have the papers), and was paying this off at £50 per month. The DD I had set up with the first DCA suddenly stopped (they didn't take any more payments), and I heard nothing more until yesterday when I get a letter from 1st Credit. They are trying to tell me that they've obtained office entries from the Land Registry and are trying to obtain a CCJ against me and enforce a Final Charging order against my property. If they should succeed, they might consider asking for an 'Order of Sale' so that they can be paid.... Sorry for the long post, but in summary, I've got a few questions: 1. As the original loan was unsecured, can they get a charging order against me? 2. In any case, is this debt now statute-barred as this is over six years old? Any help or advice wold be much appreciated... TIA

Hi guys Thanks for the replies. Haven't heard anything more, but then I've been in Portugal for the past couple of weeks sunning myself . Does anyone know how FL is? Seems he's not too well again..... Meanwhile - my case is due to be heard all being well 17/10. I'm not going to call the court beforehand just in case they have the bright idea of staying the case if I do. I'll just turn up and see...

Just a teeny thought. My prelim hearing's on 17/10. Not too sure what I should bring to the hearing but DG have indicated they'll go for a stay. Wonder if I should print off these stories, bring them to the court, and respectfully 'invite' HSBC to settle? Don't want it to drag on, but am moving abroad next year. Think I'll throw that in the mix too! What do you guys think?

You'd best have on a ****proof suit then Pete! . Personally - thought this might be a red herring, but now the story's appeared on the Beeb, am not so sure...It would be just like the OFT to give it large, then bottle out. I definitely smell a stitch up in the offing...

Anyone seen this : Stitch up! - City - Money News - News - Mirror.co.uk Taken from the Daily Mirror today. And what are the implications for any outstanding court action? Any idea people?

Sorry?? Which three threads are these? I've only got one thread....

Hi Freaky! Thanks for that. Just curious that's all... I'm well although very stressed at the moment. How are you? Feeling better and taking things easy I hope!

Just having my nightly nose amongst the threads and came across this: http://www.consumeraction.org.au/downloads/DL29.pdf. This might be a really stupid question but - What is the significance of adding this to the bundle? Surely as this applies to Australian law, this would not have a bearing here?? Anyone able to help?

Thanks Pete! TBTH - Didn't bother to read it in full. I rapidly got very bored...I knew what it was going to say from reading the threads:rolleyes:

Another quick update. Got a letter from DG today, saying they were going to ask for a stay if the matter got to court. I cannot believe it took 2 pages just to tell me that! Is this the point I should submit the draft directions? Sorry - haven't been on much, so am getting a tad confused....

You're back - And I'm glad!! How are you feeling? Congratulations on your promotion!

Haven't been on very much lately. But have just twigged what's happened.... Freaky - You're the man! I do hope you'll be back on your feet soon and giving me the benefit of your invaluable advice. Very best wishes to you and Mrs FL - GET WELL SOON!! Love from Catlover xxx

Another little update. Got a nice long letter from the good folks at HSBC on Sat. Went on a bit, but basically said that they believed the charges are fair, and they will apply for a stay if the matter went to court. So that's all right then! I assume this is standard? But - am moving abroad next year. If I draft some directions, would it be OK to say I want the case settled quickly and don't want it stayed for that reason? TIA as always

Lots of luck for tomorrow guys. Fingers and everything else crossed for you...

Hi Frog. Very disappointing news, especially as I got a date for a prelim date this week for 17th Oct in the same court (Croydon). Dropped in another copy of my schedule, asking it be attached to the claim today. I guess it's a case of wait and see....

Should've mentioned this earlier, but have a date for prelim hearing in Croydon 17th Oct. Will be sending a draft order next week

Hey SG - Long time no speak. How are you?

Signed already!

Thanks a million guys! Thought I might have to flex the claws in a min...

Bumps a daisy! Anyone there?