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  1. Will keep you guys informed. Thanks for the info. Thankyou
  2. They stated that I was unable appeal on the 2nd fine and I would have to wait for the next part which is going to be dealt via the Northampton courts, I just find it unfair that a traffic warden can still process a ticket and blatantly lie about issueing it to me. I think he waited until 8.11am because of the grace period for obtaining a ticket.
  3. A couple of months ago, I came out of a bed and breakfast to go to my car, the area was ticket only from 8am to 8pm, I arrived at my car to see a traffic warden in the process of taking details of my car, this was at 8.03am, I spoke with the traffic warden, and he just walked off without issuing a ticke and i drove offt, a few weeks later I received through the post a fine for £75.00, I sent in an appeal, but heard nothing back until recently I got a letter saying it was now £150.00, I phoned up newham parking office, and asked what had happened to my appeal, they first said it was rejected and that was mailed to me, then she noted that it had returned to there office undelivered to my address. I asked why I was given a fine, and told her that I did not revcieve a parking ticket, but she stated the the parking warden had given it to me, of which he had not. There are photo's of my car apparently which I'm waiting for, but she stated that none showed a ticket on my car as it was handed to me, which is a total fabrication of what happened. The fine stated the ticket was issued at 8.11am, I was not even there at that time as I had left. Where do I stand ? And how can I put in a complaint against the traffic warden. Thanks for your time.
  4. Hi all, just an update on my case against HSBC, i have now recieved a letter from there solicitors with all the loan amount along with payments received and missed and what they say i owe in total. But i have also noted that they are trying to include a sum of £513.38 of which i was overdrawn on my current account, not sure if they can add a sum from my current account onto the loan that they are taking me to court for. according to them i owed £20,075.63 (that total included the loan protection of £3702.78, and so far that i had made payments totalling £7,360.83 and had arrears of £3,346.00, but the total minus the payments was £12,714.80 then they have rebated the part unused insurance and interest which brought the balance down to £10,531.37 + £513.38 = £11,044.75 (£513.38 from the current account) that was as of the date 12th June, i had then made further payments of £746.00 bringin the balance to £10,298.75. Without the Insurance and amount from my current account was £16372.85 minus the payments made of £7,360.83 totals £9,012.02, im now looking for a draft letter of defence stating the above that i can send to there solicitors but also stating that i might of been mis-sold the insurance due to my type of work (not sure about how the insurance side of things work, creditcardmug mentioned i might of been mis-sold insurance) i think due to the nature of my work as a contractor my work was never constant but a stead flow so i doubt i would of been able to claim on the insurance... anyway any help would be greatfully recieved
  5. Thanks for your reply. I am fully prepared to make an offer to settle this amount and realise that I might have grounds to reduce the amount payable. However, I am a contractor and the bank were made aware of my situation when taking this out, so in hindsight I could have actually been mis-sold this insurance as it would probably have been redundant to me anyway due to my circustances. I have typed up the letter to request the further information as the sums being claimed is totally different to what I have paid (albeit less) I am not sure how this has been made up due to the lack of information on the PC. Thanks again, I will keep you posted.
  6. HSBC Agreement for Signing Credit Agreement Regulated by the Consumer Credit Act 1974 Name HSBC Bank Plc Address PRINCIPAL LOAN Repayment Personal Loan Initial repayment £272.34 Amount of Loan £13000.00 Date of first payment 6 November 2004 Total Charge for Credit £ 3372.85 59 further monthly repayment Apr 9.9% of £272.89 On the same day in each month thereafter _________ Total amount payable Under this agreement £16372.85 _________ CREDIT PROTECTION INSURANCE LOAN Repayment Amount of premium £2948.75 Initial repayment £61.89 (including insruanc e premium tax at the appropriate rate) Date of first repayment 6.11.04 Amount of loan £2940.00 Total charge for credit £762.78 59 further monthly repayment of £61.71 Apr 9.9% Total amount payable _______ £3702.78 Standing order – I/We authorise you to pay from my/our current account xxxxx (a an initial repayment of 334.23 and 59 further repayments of 334.60 in accordance with the schedules set out above for the total loan of 15940 plus interest (b) the insurance premium as stated. Credit protection insurance i/we have decided to take personal loan protection full name of person to be covered by insurance Mr important – you should read this carefully your rights the consumer credit act 1974 covers this agreement and lays down certain requirements for your protection which must be satisfied when the agreement is made if they are not, the credit cannot enforce the agreement against you without a court order. The act also give you a number of rights you have the right to settle this agreement at any time by giving notice in write and payment off all amounts payable under the agreement which may be reduced by rebate. If you have obtained unsatisfactory goods or services under a transaction financed by this agreement, apart from any purchased out of a cash loan, you may have a right to sue the supplier, the creditor or both similarly, if the contract is not fulfilled, perhaps because this supplier has gone out of business, you may still be able to sue the creditor If you would like to know more about the protection and remedies provided under the act, you would contact either your loan trading standards department or your nearest citizens advice bureau. NB the reference above to unsatisfactory services apply only to the insurance cover and cash loan means the principal loan This agreement is subject to the term set out on page 2 Signed and dated 18.09.04 _____________________________________________ Attached to this is a also a statement of means, which I have no recollection of receiving, in any event, its a blank statement which I have never filled out. Also a copy of the payment from 18th Spet 04 to 7 June 07
  7. Hi again I have sent the CRP to the Solicitors and have also now sent the acknowledgement of service. I have received a letter fromt he solicitors as follows:- In respect fo the information requested within your letter of 2nd July we enclose the following document from our client. 1.Copy of the credit agreement together with the terms and conditions applied to the account at the time the account was opended. 2. True copies of any default notice sent in respect of loan account number 401....... togehter with statements for the period 18th September 2004 - 7th June 2007. In relation to the other documentation which you have requested within your lette we would refer you to CPR 31.6 which states that standard disclosure requires a party to disclose only:- a) the documentation which he relies and b) the documents which:- (i) adversely affect his own case; (ii) adversely affet another party's case; or (iii) support another party's case; and c) the docuemnts which he is required to disclose by a relevant practice direction CPR31.7 further states that 1) when giving standard disclosure, a party is required to make a reaonable search for documents falling within rule 31.6(b) or ©. 2) the factors relevant in deciding the reasonbleness of a search include the followsing:- a) the number of document involved; b) the nature and complexity of the proceedings; c) the ease and expense of retrieval of any particular docuemnts; and d) the significance of an document which is likely to be located during the search. In order to establish whether or not the additional dcouments requersted within yoru letter of 2nd July are reasonable and relevant to the proceedings, we would be grateful if you could advise what issue the requested docuemntation are relevant to and each head which it falls iwthin. We look forward to receiving your response by Thursday 10th July 2008. Int he meantime, we confirm that a request for judgment has not been made. ____________________ I would be grateful to know what is the next step for me.
  8. Ok had spoken to the wife and i have got confused. i thought it was a credit card, but she said it is a loan that there taking me to court over and that we had paid the credit card off Perticulars of claim The Claimants clain is for the balance outstanding under a personal loan agreement. The Defendant(s) has/have failed to make payment of the arrears of instalments as required by the statutory default notice served by the claimant Have you ever had a default notice? Unsure Have you had a letter before action Unsure Have you requested a true copy of the agreement No is it worth starting this again with a correct heading ?
  9. Hello, Looking for some advice concerning a debt i have with Hsbc with an unpaid credit card total of £10588.75, I have received a Claim form and im unsure as to what i should write, im willing to pay the amount (with the exception of the amount of interest incured over a period, as my credit limit on the card was 7,500 (im afraid to say im one that has burried his head in the sand and should of dealt with this sooner) but at last im trying to sort it out. couple of questions 1. am i able to make a offer i.e £6,000 settlement but pay in installments ? 2. should i fill in the form N9A at the moment im looking for a letter to send into the courts to accompany either one of the forms i.e N9A to explain my situtation and the offer along with some form of payment plan A little history on the account: like many others they give you a card with a high amount to spend on it, you start making payments at first then after a while it starts to lapse.. It went back and forth between Hsbc and the collection agency as and when i made a payment but each time it went back to the hsbc they just started to add interest, where as if it stayed with the collection agency it was a fix amount (which would of proberly been better to stay with them but they was keen if you made a payment they would send it back to hsbc) It has now come to a point due becasue i have recently been unable to make a few payments due to myself being a contractor and not always getting paid on a set date and when i did get paid my other debts i.e Morgage,electric,gas etc had to be paid first. I had agreed to pay 200 per month, but straight off they said if i could make a initial payment of 274 (to which i agreed) but then they expected that amount every month... Anyway i surpose im looking for a letter explaining it all, and im not that great at explaining myself or have the knowledge of law and what im entitled to if anything i.e getting some of the interst off etc Any advice would be greatfully appreicated. Once again thanks Orwellz
  10. Would like to say Hello to one and all, hopefully im able to get some info and advice on letters to help me with some issue's i have.
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