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  1. As 28 days have passed and I haven't received anything in the post, I'm guessing this means the claim has been stayed? When I log into MCOL everything looks the same, is this normal, or should it show that it's been stayed? I've since found a great defence posted by DX (thank you) on another thread. If HSBC try and claim again, can i now put in a new robust defence, or will my original defence stand? Would it be wise to now try and negotiate with HSBC either a full and final settlement or payment arrangement? Or am I best agreeing this if/when it gets to court? Thanks
  2. Sorry, I'm unsure what that means and I've tried searching for the answers? If it gets stayed does that just mean HSBC have a little bit longer to get the information together? How will I know if HSBC have responded? Will I receive their response in the post? I'm so sorry for asking questions. Thanks
  3. If/when HSBC respond to my defence, will I be able to see it via my online money claim account? How will I find out if it's been set aside? If it gets set aside, can they just try again next month?
  4. Thanks. How is all not lost if my argument isn't a real defence. 21 days have passed and they still don't appear to have responded?
  5. Yeah they all seemed to be saying a similar thing. So gutted I've ruined it for myself. I deserve all I get.
  6. My defence was that they failed to assist me when I said I was experiencing financial difficulties. They told me I had to miss payments before they could re negotiate the payments, then they just passed it to debt collection firm, then refused to speak to me about it, saying I need to contact third parties instead. I explained I'd requested the documents suggested, and they've failed to respond to my requests. What are the chances they'll fail to respond in 28 days and it gets thrown out?
  7. I've received response from court saying they're giving HSBC 28 days to respond, otherwise they'll set it aside. What are chances this happens?
  8. SorryI have no idea where to even start with typing my defence? Can you give me some idea of what I should be searching for on the forum to give me a clue? Thank you
  9. I'm still waiting for HSBC to get back to me with the required info. What should I be submitting as my defence?
  10. Is it best to leave it a little closer to deadline before I chose the "defend all" option? Does this give them less time? Also, can anyone answer my original question.. . if I defend all but they win, can they demand payment in full or do they have to give me a payment arrangement. I have very little equity in my property, when split with my partner it would be just enough to cover the cost of this debt with HSBC.. . worried they'll try make me bankrupt.
  11. Name of the Claimant ? HSBC Date of issue – 30 August 2016 Date to acknowledge) = 17 September 2016 date to submit defence = by 4pm Friday 30 sept 2016 What is the claim for – 1.The Claimants claim is for the balance outstanding under a loan agreement dated X October 2013 regulated by the CCA 1974. The defendant has failed to make payment of the areas of instalments as required by the statutory default notice served by the claimant dated X March 2016. 2.The claimant formally demand repayment of the loan on XX March 2016 but the defendant has failed to repay the amount due to the claimant. AND the claimant claims 1. £13500 2. Interest pursuant to Section 69 of the County Court Act 1984 at a rate of 8% per annum from the date hero at a daily rate of £3.X to the date of Judgement or sooner payment. What is the value of the claim? £13,500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Personal Loan When did you enter into the original agreement before or after 2007? 2013 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original creditor Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? Genuinely unsure - but possible Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Genuinely unsure but had lots pf letters so probably Why did you cease payments? Change in financial situation. Owe approx £50k to various creditors no reasonable means of paying. Took 10k paycut. What was the date of your last payment? November 2015 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No
  12. HSBC have sent me a claim form. I owe £13,500 from a loan taken out several years ago. I intend to respond using the "disagree with the claim" option as I believe I may have been mis sold PPI on the claim. In the event that the judge upholds the claim, how does the process work RE making repayments. Once the judgement has been made, do we have to go back to court another day to agree a repayment schedule. Will HSBC be obliged to offer a repayment schedule or could they start bankruptcy proceedings if I don't make payment in full after the CCJ?
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