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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Ftoboy V HSBC


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Well i sent the prelim letter off and got a reply in 5 days saying we are collating all your statements and you shall recieve these in the next couple pf days free of charge. All good upto now. Sent the letter off saying i want my 1500 quid back and they have until this Thursday to reply. I have recently switched accounts to Alliance And Leicester (joint one with the future wife) will this hinder me at all? Thanks in advance

 

Geoff

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I have just opened a new account with Nat West which was quick and easy and all done online. Just incase HSBC decide they dont want to pay interest on the money they have had to pay me back.

 

Not sure what you mean by will opening a joint account hinder you? Do you mean your chances of reclaiming your money? I do know that when it comes to credit checking , if you have something will is financially joint, ie. a bank account then both of your details are used. For example, if you apply for a loan in your name it is not just you who will be checked out, it will be your partner on your joint account. Am I making any sense, it is quite hot out!

 

Louise

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Yeah you make sense lousie :)

 

My question is, i authorised the A&L to close my HSBC account when i opened my new account. Will this effect HSBC paying me for the charges they applied before this?

 

Does that make a bit more sense, im really not with it today :Cry: sorry about any confussion hee hee.

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It shouldnt make any difference. People are claiming on accounts/credit cards etc.. that have been closed for years. The money is yours and they took it, regardless of whether your account is still live or has been closed for a year! Go for it!

 

Louise

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Yeah you make sense lousie :)

 

My question is, i authorised the A&L to close my HSBC account when i opened my new account. Will this effect HSBC paying me for the charges they applied before this?

 

Does that make a bit more sense, im really not with it today :Cry: sorry about any confussion hee hee.

 

yeah, its not an issue, carry on :)

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

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Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Just found out the missus didnt send the second letter recorded is it worth sending it again recorded delivery? They have until this Thursday to respond to the original but wont they claim they didnt recieve it?

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There is no need to send any of the letters Recorded Delivery - as long as you have kept a dated copy of the letter you sent that will be fine.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Well tomorrow the 14 days are up what do i do then? i was thinking about sending another letter saying something along the lines of you havent responded to me so therefor this is your final chance? Im kinda stuck on ideas though.

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Is this the premlim letter requesting your cash back that you have had no response from? If so there is a LBA (Letter before action) template letter in the library. It gives them (out of the goodness of your heart) another 14 days to respond before you start court action. Basically along the lines of stating how dissapointed you are that they have not responded..

 

Look in the libraries section and you shoud find it. Mines written ready as I doubt they will reply to my prelim within the 14 days given

 

Louise

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Well tomorrow the 14 days are up what do i do then? i was thinking about sending another letter saying something along the lines of you havent responded to me so therefor this is your final chance?

 

Stick to the deadlines you have set - if no response move on to the next step. If you write again giving them extra time or another chance to reply they will think you aren't serious and not prepared to take it all the way.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Help

 

Got a letter this am saying yes we will pay the full amount if you sign this form.. it has the wrong account number it firstly, secondly it says they will credit my account which they cannot because i dont have one with them anymore. i have spoken to customer services who have flagged it up but their department isnt open today. Do i make the changes to the form they have sent me and copy it or do i write them a letter along with it>

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Have they offered you the full amount?

 

If so, cross out the errors and anything you don't agree to- including any confidentiality clause, and then return the form to them.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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