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Xarbain

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About Xarbain

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  1. Any comments/pointers of the above before I send off the letter? Thank you in advance.
  2. Before you make a claim, you must write to the supplier of the goods or service giving them a specific time, such as 14 days, to correct any fault and that failing this, you will take action in the county court. This is called a ‘letter before action’ and should be sent by recorded delivery. The court will not allow you to make a claim unless the defendant has been informed and given a chance to correct any fault before you do so. I found the above on Citizens Advice Bureau, I have double checked all mail, and I do not see any missed deliveries, nor have my neighbours received a
  3. This is why I am not a solicitor, Can I ask: Confirm the date of the last payment details made on account XXXXXX that is clearly a repayment of this alleged debt, and served to reduce the outstanding amount of the claim of £12,197.67? And are you in possession of documents clearly stating this as a fact? Does this claim relate to an overdraft facility or a loan with HSBC? (I have not had an overdraft of more than 1500 that I can recall) At what date was the original agreement with HSBC leading to this claim signed? How much of the aledged debt of £12,197.67 is made up of
  4. I did not think about that, let's see if I have got this right: IN THE XXXXXX county court CLAIM NO: XXXXX BETWEEN: MKDP LLP and XXXXX _________________________ _________________________ ___________________ PART 18 REQUEST FOR FURTHER INFORMATION dated 22 June 2015 _________________________ _________________________ ___________________ To: MKDP LLP Please answer the following questions: 1. Provide a copy of the statement showing the last payment made on account for account XXXXX relating to the claimed outstanding debt of £12,197.67 I have not received det
  5. Thank you all, letters have been written and printed off, will send them tomorrow. Does it make a difference whether they are signed recorded, signed for or by normal 1st class mail?
  6. Do you have a link to the CPR 18 template? I have done a search but not found any concrete examples. What is the main differences between CPR 18 and the CPR 31.14? I have filed my acknowledgement online and left the jurisdiction box unticked. Thank you all in advance for the help today, much appreciated.
  7. The account number does not match, the amount matches less the court fee (12197.67+court fee of 548.90=12746.57) as per the breakdown I guess I need to contact HSBC to get a breakdown of what I am being sued for. When they sold off my debt I changed banks, and have happily been with another bank since (with no defaults) I presume I write a 13.4 and a CCA and send both to HSBC Bank and to MKDP LLP requesting the full details? Including bank statements for the time period of 2009 to find out the exact date this happened?
  8. [ATTACH=CONFIG]58162[/ATTACH] I am really confused now, as I do not recall ever having an overdraft facility over £1500.00 in my life. I honestly thought it was the credit card, in this case, I do not actually know what the charge consists of. I have gone through my credit report (again) and copied and pasted below: Account type Current Account Account number ****** Account start date 07/05/1997 Opening balance £ 12,197 Repayment frequency Monthly Date of default 01/10/2009 Default balance £ 12,197 and Account type Credit Card which what I mistakenly though
  9. Thank you for the clarification, my first ever County Court Claim so was not sure if I was missing anything when looking for the details for the solicitors. Particulars of the claim: Claimants claims the sum of 12,197.67 being monies due from the Defendant(s) to HSBC Bank Plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on 08/12/2011. The Defendant’s account number was XXXXXXXX It was a term of the bank account that any debit balance would be payable in full on demand. The Defendant(s) have failed to make payment as required by the
  10. [ATTACH=CONFIG]58160[/ATTACH][ATTACH=CONFIG]58161[/ATTACH] This is the only address and only solicitor details I can find on the documents. Am I looking in the wrong place?
  11. I am a little bit confused with regards to the claimants solicitor, as in the bottom right hand corner it says "duly authorised by the claimant to sign this statement signed (and here typed) MKDP LLP and further (Claimant)(Claimant's solicitor) XXXXXXXXXXXXXXXXX no name, just the XXXX. How do I find out who the solicitor is to send off the CPR 31,14 letter?
  12. Thank you Name of the Claimant ? MKDP LLP Particulars of the claim: Claimants claims the sum of 12,197.67 being monies due from the Defendant(s) to HSBC Bank Plc under a bank account facility regulated by the consumer credit Act 1974 and assigned to the Claimant on 08/12/2011. The Defendant’s account number was XXXXXXXX It was a term of the bank account that any debit balance would be payable in full on demand. The Defendant(s) have failed to make payment as required by the demand for payment sent by HSBC Bank plc. The Claimant claims the sum of 12
  13. I received Saturday in the post a Claim form dated 08 Jun 2015 which I need to respond to quickly. It has a particulars of the claim filled in, but no breakdown etc I have also not received a letter warning me of their intent to take me to court. The debt in question was defaulted in 2008/2009 with HSBC after I was made redundant (and relates to my credit card), and my PPI was not applied as requested by myself at the time. This was supposed to get back dated, instead they sold the debt off, and the new company was not interested in my dispute with HSBC and proc
  14. You have several options here, you could put them on your CV and own up to what happened, put them on your CV as temp/contract and not use them as a reference (this was what a recruitment agent suggested to a friend of mine who had a similar issue, I have not done this myself) or leave them out completely. If your ex-company is anything like mine however, they will only reference you with the dates you worked for them and the job title. Can you contact any of your past co-workers (if you got on well) and ask them what the company policy is on referencing?
  15. Verbal warning for putting the company asset at risk through reckless behaviour. IT agreed there was enough evidence through explanatiom of what could have happened coupled with my proof of not being present in the office on several occations that it was plausible I was not surfing as accused of, and the warning was due to I should have known better to quote my manager.
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