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    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi @BankFodder I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.  It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. So when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.  Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
    • Hi What they have asked in what you have highlighted isn't unusual at all as Councils have numerous different departments that deal with specific different areas within that council. So if what you are asking in your DSAR is say specific to Housing Benefit, Council Tax Benefit, Planning Permission etc then just let them know that specific area. On the other hand if you want every bit of DATA they hold on you then simply tell then ALL DATA they hold on you it's them up to then to go through all depts to check for it. 
    • A growing number of couples are booking a content creators to capture their special day.View the full article
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Desperate help wanted


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Ok not sure if this is the right place to post this, but hopefully somebody can point me in the right direction.

 

where to begin.....

 

Right approximately 2 years ago I had a loan with HSBC which had payment protection. I then sufffered a heart attack which was pretty severe and lets just say hope was not on my side. The bank was informed of my situation to which they offered to freeze the account. Low and behold, would you believe it they changed their mind and now I am facing baliffs who are threatening to collect the outstanding debt plus charges.

 

What I would like to know is, can I and if so how do I get the bank charges lifted from the account.

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did the bank specify a time to which your account would be frozen till? Are you all better from your heart attack?

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have you still got the letters and statements that prove what you have said? if not you will have to do a Consumer Credit Act section 77 request and I would do a SAR at the same time so you can calculate exactly what charges and where they have come from and start a claim to recover them.

 

With a section 77 request they have 12 days to provide you with a copy of the original conditions governing your loan, if they fail to do this the account becomes in dispute and unrecoverable. If they continue for a further month they are committing a statutory criminal offense.

 

I would start your claim to recover the charges as soon as possible heres the thread

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38807-newcomer-heres-user-guide.html

 

unfortunately if they bailiffs are in touch with you the bank must already have a CCJ against you so you need to move quickly and try to have the judgment set aside.

 

pete

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Unfortunately I received nothing in writing, just verbal assurances. Funny you should mention other departments it was another department that started all this.

 

Yep all better now thanks... well except for the large amount of money the bank wants :(

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If you are back at work now and your money is being paid into an account with HSBC, they probably took it upon themselves to start chasing for installments. Does it say anything in the payment protection insurance guide, that they should have given you when you took out the loan, about time limits?

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Unfortunately I received nothing in writing, just verbal assurances. Funny you should mention other departments it was another department that started all this.

 

Yep all better now thanks... well except for the large amount of money the bank wants :(

 

So you have not received anything at all! No claim forms from them telling you that they are going to take you to court for the money?

 

Glad you are better now.

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I think that Pete and I are posting at the same time.

 

 

I'll let you take over now Pete....X

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A prudent question is one-half of wisdom.

 

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Jowalshy, I'm not back at work yet and wont be until after Xmas. As for the payment protection it ran out after 12mths, although I have been paying towards the loan, but the bank puts more charges on which are more than the amount I pay. I have tried speaking to them but to no avail

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Have a read in the Bailiffs section of this site, are you sure they are bailiff's not just debt collectors? and if you have received nothing from the County Courts then just get your claim for return of the charges underway and from then on you can at least say the the debt is in dispute.

 

Any future legal action they take will also be subject to your own legal action.

 

pete

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Did they try and get you to up the repayments. If this goes on you will never pay the loan off. I think that you need to try and contact them and draw up a repayment plan. Try and make an appointment to see someone at your bank, that way you can sit down with someone and come to some sort of agreement. Hopefully this will then stop you incurring any more charges. I think that there is a template somewhere for an income/expenditure schedule you could use in order to show the bank how much you can afford at present to repay every month.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Once you have sorted out a repayment plan you can then, as Pete says, go for a claim for the charges (thats if you don't get them to refund them when you see them)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Did they try and get you to up the repayments. If this goes on you will never pay the loan off. I think that you need to try and contact them and draw up a repayment plan. Try and make an appointment to see someone at your bank, that way you can sit down with someone and come to some sort of agreement. Hopefully this will then stop you incurring any more charges. I think that there is a template somewhere for an income/expenditure schedule you could use in order to show the bank how much you can afford at present to repay every month.

 

Yeah I tried that, one suggestion was a managed account... not sure if that would of helped. Don't even know what one is. Other than that they were no help.

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I have not heard anything nice about managed loans. I think that they tend to have a higher interest rate although I am not absolutely sure about that.

 

I have just been on the HSBC website and this is what they say if you have trouble making repayments on a loan:-

 

 

If you can't keep up the repayments on a loan, contact your lender immediately.

  • Together, work out what you can reasonably afford to pay. They may extend the term of the loan.
  • You may be able to suspend payments for a few months and make up the difference later.

Instead of going for a managed loan, have you tried extending the period of the loan?

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A prudent question is one-half of wisdom.

 

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Whatever you do, don't go near a managed loan. They will have you in their grasp forever more and the interest is unbelievable. Just ask Lateralus about them! She will point you to some fine examples of people who have had them. You will be in tears reading the threads. I will try and find them.

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Do you still have the original application for the loan and also the payment protection booklet they should have given you? Did they just freeze the account when you took ill or did they pay out anything?

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A prudent question is one-half of wisdom.

 

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If it was the SAR you have just sent, then they will now have 40 days in which to comply. If you sent the SAR purely to get info on your account and you already have all the details of all of the charges that they have applied to your account, then you can start the preliminary request for repayment of those charges back. Here is the link to the prelim letter:-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

you will need to adjust it to suit your needs.

 

If you don't have details of all the charges, it might be worth popping into your local branch and asking for a printout of the account.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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