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Vampyra

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Everything posted by Vampyra

  1. Is there anyone who can please advise what the law is about them picking locks to enter someone's home if the gas meter is outside of the home? I don't know the wording but would hazard a guess they have the right to only enter a property to gain access to their meter. My email to CEO has failed to get a reply. Doesn't surprise me to be honest. Also, can anyone please clarify the percentage of debt repayment via the key card? E.g. If one puts £10 on the card how much of that can legally be used as repayment? Many thanks.
  2. No idea - well they are now - I email Anderson. But I don't think they were before this.
  3. My friend who is a vunerable adult with certain mental health issues, recently awoke to the sound of people breaking in to his house. He text me and I rang him and he told me they had smashed in the porch doors and front door and were inside and he could hear them rooting around and having a laugh. He wouldn't go down and confront them, which I wish he had done as he could prove for sure they were in parts of the house that the gas meter isn't in. I phoned the police who turned up just after they had gone and my friend wouldn't answer the door. The police
  4. I am wanting to get this back on track again. I have been quite ill the last couple of months and got a telephone call today asking me to ring the bank urgently and that it was "very urgent" that I call them. Urgent matter, etc! I truly thought my card had been cloned again! Anyhow I get a young girl who wants to reset this plan in place. We go through the usual bits and bobs and I explained that the previous men had left me in tears over all this. Also explained I wasn't well and I was just ticking over. She was very nice telling me she fully understood and wanted to help. She said
  5. Thank you both. I get ESA and in the support group. Also DLA monthly. I only get that level of ESA because of my illness.
  6. Thank you for that. I have to say they did an income and expenditure form yesterday. I will do another though. They initially told me they wanted to look at other ways of helping me and used this as a justification of how long I was left hanging on the phone. Sorry to be dumb but where do I find the hardship letter? Thank you for your help.
  7. Sorry also forgot to say I have been on ESA for a year with another 2 years left before review. I told them this. They ignored it. One even said after I had spoken about my medication and specialist appointments; "I hope you will get to start your medication soon". I had told him I had been on my medication since last April earlier in the conversation.
  8. Thanks for your replies. No I didn't claim the charges back, this last year I have not been charged. I have paperwork for I think 2012/3 which says I paid £400 odd in charges. Goodness knows how much they charged me while I was a Carer. I know I complained sometimes and the charges were refunded but not all the time. I only joined HSBC in 2006 before that I was with Nat West. If I can only go back til 2008 I would probably be getting on for close to a grand. My concern is I don't think they have the right to question me as indepthly about my illness and exactly what I purchase. My
  9. I have been a full time carer on benefits since 2002. I have had lots of charges with HSBC, however, they have not been charging me now since last year. Can I claim back further? I am in very dire straights and am willing to have a go, but need advice please.
  10. Had a VERY upsetting afternoon. I suffer from Hypothyroidism and Hashimoto's Disease. Quite common but only been diagnosed a short time and still trying to get medication correct. I was a Carer for my mum for 10 years but I have now lost my home due to her having to go into a home. I am currently with friends and on benefits. I have many problems which I won't go into here. Because of this, last Jan or Feb, by luck I spoke to someone at HSBC about excessive charges which some got refunded and others didn't. He set a plan in place whereby, because of my long term situation, they were
  11. I know. Thanks, you have been so kind and helpful. When I have a bit of spare cash I will send a donation.
  12. Thanks Andy will tell him. I'll let you know when I hear and what it says just to come full circle on the thread. I'm actually crying here. Release of the stress I guess and it isn't even mine lol
  13. OK thanks for all your help Andy. It really has been appreciated. I tried but I had no idea what I was getting into really as you know. I have spoken to my friend and the letter he had was to attend a Preliminary Hearing, so I don't understand why the judge wasn't clear in explaining about the judgement. Anyhow, I did my best. Feel rather deflated that this went out of our hands at the end to be honest. I knew it was a long shot for my friend but... So, when would we expect to hear from the Court? And will my friend get notification of a CCJ? Or any time to pay? He may be abl
  14. These cost refer to the Preliminary Hearing, nothing else. I am sorry Andy. I stupidly thought when we asked for mediation we would get it. I should also point out when I asked HL Legal over email and via telephone for their client to provide the CA they said they would ask their client but never had any written reply to that. Can this have been a full hearing without us being aware of it? The judge didn't explain this when the meeting started.
  15. I honestly don't know. We asked for mediation. This was a Preliminary Hearing. We filled in all the forms you told me to and in the way you advised. We put in the local court we wanted to go to and my friend got his letter from Northampton CC saying it had been moved to another court. It was near but not the one requested. My friend heard nothing more. We attended and I thought this was mediation, but now you have questioned it, I'm not sure. What does it sound like to you?
  16. He just wasn't having it Mike. I even showed him a credit agreement I have for my car insurance showing the prescribed terms and said the Application Form didn't show these and legally had to. He ran along at such a pace too trying to get it wrapped up.
  17. Sorry mind all over the place. As far as I am aware the judge awarded them the case. He was saying something about November and I think this may have referred to when judgement was to be entered. He discussed this with the other side in legal terms and we didn't understand and he wrapped the hearing up very quickly. The costs refer to this preliminary hearing. No the house issue was only raised because the judge asked my friend if he owned his own home. It seemed the judge wanted to put a charging order on it and due to these issues couldn't. I know you have said it befor
  18. Just an update and a couple of questions. My friend went to court - HL never responded to the request for the credit agreement. There was mediation and I was helping to present my friend's case. To cut a long story short, the judge refused to accept that something which clearly said Application Form was anything other than a full credit agreement. Even when I pointed out prescribed terms had to be on the signed page to make the agreement legal and binding, he refused this. I quoted the correct sections of law but he wasn't going to accept it. Unfortunately he them turned to my frien
  19. I rang on my friend's behalf. as soon as i mentioned the application form, the person tried to say the application form said it was a credit agreement and as soon as I said it was not a CA as it did not contain the prescribed terms as per the CCA 1974, the person immediately asked me to put this in writing so it can be sent to their client for the client to decide the next course of action. I am going to email HL as a follow up to the conversation. Plus I am going to put a hard copy in the post as the person said they were on annual leave for a week. Let's just see how it goes.
  20. Sorry Andy been getting to my friend's house. Yes, I want to speak to them with the intention of making them aware that IF a judge DID say that the CA didn't matter and made it enforcable, then we will be persuing PPI on the account which started all those years ago. Thus, whatever they collect may be more than negated by the PPI claim. I hope that sounds clear.
  21. Well I am just going to get my friend to phone HL and then discuss the lack of CA and then see what they say then follow it up with a special delivery letter. Gonna try this as I have no idea what else to do. Thank you for your help.
  22. Can someone please help? This letter has to be with them by Friday this week and I am completely out of my depth here. We have repeatedly asked for through Credit Agreement and been sent an Application Form. I don't even know if I send this to the court as well. Thanks in advance.
  23. Sorry I have been very unwell recently so have only just got online. HL Legal have sent loads of paperwork but again no Credit Agreement. I have drafted a letter but do not know how to legally say that I cannot see it is within their interests to risk going to court without a CCA. Maybe someone can advise please? Thank you for your disclosure documents which I have received. I am particularly concerned about one document which remains missing. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of a true and properly executed
  24. Sorry I have been very unwell recently so have only just got online. HL Legal have sent loads of paperwork but again no Credit Agreement. I have drafted a letter but do not know how to legally say that I cannot see it is within their interests to risk going to court without a CCA. Maybe someone can advise please? Thank you for your disclosure documents which I have received. I am particularly concerned about one document which remains missing. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of a true and properly executed
  25. Ok I will draft a letter and post it up here and maybe you can advise me if I have missed anything, please. Give me a few days.
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