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    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
    • you would most probably have to raise a court claim naming the dealership and the finance co as joint defendants. you'd win hands down. @BankFodder is best for confirming this. you don't 'contact them' you WRITE expressly exercising your right under CRA, etc as above.
    • Thanks for the reply do you think it’s just a threat for the 14 days or they will send court letters 
    • That’s great, thank you so much. We will contact Doves and the finance company again and hope they will resolve it. Out of interest, where would we stand if we did pay the costs? Would we then be able to claim that back or should we just wait for a response from them before we take the car back from Mercedes?     
    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
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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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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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sharpcircle v HSBC


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Hi,

 

just out of interest, why didnt you include the interest in your letter before action? I have in mine, but havent sent it yet (I'll do it recorded delivery tomorrow)I think i'm in the same situation as you. I sent my prelim letter about a week ago and got an identical letter to yours from HSBC on Wednesday.

 

zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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hi,

 

Maverick told me to send the letter before action (the template letter on the site mentions interest). I have already sent the preliminary request.

 

sorry if i'm being stupid - zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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So do i ignoer the interest bit of the letter - below

 

 

----------------------

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

 

-----------------------

 

or is this something different. sorry to keep asking - I just dont want to make a mistake at this stage

 

zoe

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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so you wrote ... "I calculate that you have taken £XXXXX" and left it at that?

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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Share on other sites

Thanks - and good luck

HSBC- Amount owed from unlawful charges- £2191.73

 

Progress so far

27/06/06 Preliminary letter sent

10/07/06 Sent letter before action

25/07/06 Completed and submitted MCOL

27/07/06 Recieved offer of £1850 from HSBC

14/08/06 Recieved full amount + court fees from HSBC:)

 

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Share on other sites

So do i ignoer the interest bit of the letter - below

 

 

----------------------

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

 

-----------------------

 

or is this something different. sorry to keep asking - I just dont want to make a mistake at this stage

 

zoe

 

 

Hi,

i just changed mine to

 

"i calculate that you have taken£XXXXX NOT including any interest you have charged me for the sum that you have taken."

 

Goodluck:)

Mac

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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My credit rating isn't great (although it can't be that bad as I got a mortgage off lloyds in august) which bank would take me if hsbc close my account? I only want a solo card and such but don't know who to apply with, reason I havent applied with lloyds is they don't do solo.

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Sharp - seems like we are at exactly the same stage and sent our initial letters off at exactly the same time.

 

I sent my to Alan Pretty in Leeds.

 

Good to keep in touch and work out where eachother is etc...

 

Good luck

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from waht i have read the interest qouted in the letter is waht the bank has charged you for going overdrawn

prelim sent 8/07/06 for 2300.00

lba sent 24/07/06

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from waht i have read the interest qouted in the letter is waht the bank has charged you for going overdrawn

 

No, this refers to just the interest that they have charged you on the penalties which form part of your overdraft

 

When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

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  • 2 weeks later...

Don't bother with Recorded Delivery - a First Class stamp 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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