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    • Why so many loans? I would question whether there has been irresponsible lending here. What checks did these lenders complete, before they loaned the money? At some point, suggest you send SAR requests to each company to check what is on file.  
    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. Although MitM thought you didn't need a lawyer, is s/he going to be at court wit you? HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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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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Essayeffsee v HSBC


Essayeffsee
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Brilliant mate. Im chuffed for you.

 

Very jealous though.

 

If it was me then Id take the money. Its more money than you thought youd get and at least it means youve got something out of it.

 

However, Im a born sceptic.

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Nothing for me in the post.

Dont worry ..if you have done it right ..it's on its way ...

 

B.O.L

Mac:cool:

HSBC £968

22/6/06 prelim SENT

5/7/06 request for charges RECEIVED

6/7/06 lba+charges SENT

21/7/06 offer of £850 RECEIVED

24/7/06 LETTER SENT accepting offer on condition it is repaid by cheque(as requested in lba) or will continue for full amount+int+cost.

02/08/06 CHEQUE RECEIVED :D

MY THREAD http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11708-mac-hsbc.html

 

:D tommorows just another day..........:D

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I have just been to moneyclaim to start court etc, there are a few people within a day or so of my timeline, some have had offers (I did) others have had nothing, I think they are just trying different tactics all the way, ..'try ignoring them totally, maybe they will give up and go away' don't let it stall you...stick to your timeline and go for it, once you file with moneyclaim, I bet they won't ignore you then!!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Well my deadline is up tomorrow and was hoping to have heard something by now. Come home every night hoping to have received a letter off the bank but absolutely nothing.

 

I will be filing through Money Claim but this was something I didnt want to do!

 

Oh well - its my money and I want it back so Im going to have to wait a little bit longer for it!!

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