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    • Good Evening, I received this pack yesterday its an application notice to change claimants. Will they be chasing me for this as they were successful with the first claim? many thanks Webb 1.Application Notice N244rd.pdf 2.Asset Transfer Deed r.pdf 3.Notice of Assignment Part A Letter 1 & 2rd.pdf 5.Claim Form rd.pdf 6.Draft Order rd.pdf
    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Small Biz v HSBC need some advice


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Hello there, need some assistance from anyone claiming as a LTD. small business. sent prelim letter using biz template. Have had letter back quoting terms and conditions etc. refusing claim. Next step is LBA. Has anyone been successful with small biz claiming charges back? Would be interested in what went on and if it follows same pattern as consumer. I initially went via Commercial manager who has passed the buck and suggested next steps to liase with quality services in Leeds. Branch is in Croydon? We have migrated from HSBC due to their lousy service so they a a bit peeved. I suspect.

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  • Confused 1

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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Hello,

 

We have a small ltd. business going into battle with hsbc. We are claiming bank charges back over last 6 years (early days yet) and have now moved to another bank. We met HSBC at the end of march 06, and they wanted us to move our business including our business loan by 30/6. We could not do that but will be moving it all by mid August. Our new bank have agreed to take over some of our facilities and it has taken some time to organise. As we could not hit the deadline of 30/6 they have charged us 0.1% of total bank facilities. They did put that in writing and we did reply stating that we did not think this was fair and reasonable and did not accept this charge. They charged it anyhow!

Is this a penalty charge? could we claim it back? it has amounted to almost £4k as they have backdated to April.

Help would be appreciated.

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Hi i'm a small business and about to start claiming bank charges back. My question to you is how did you obtain your six years list of charges ? Did you use the template letters on this site, if so which did you use ? I'm a bit confused would appreciate your help. thanks

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Hello there,

Glad to see someone in similar circumstances. I will help if I can.

 

We fortunately had existing statements so could work out what was owed.We had to ask for copies of some statements and they charged £10.We are currently waiting for them to come.

 

They turned down our initial request for a refund quoting the old chestnut of terms and conditions but we are just sticking to our guns and when the statements arrive we will go for the whole lot.

 

Will keep this updated as I have not seen any other business's going through the same process as yet.

 

Would be interested to know if there are any success's out there.

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