Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are 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. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) 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. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • 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
      • 161 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
  • Recommended Topics

Hearing Granted 3rd June - Help please!


hopeless1234
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5825 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all,

 

1) Stay granted on 24 August 2007, expired 31 March 2008.

2) I applied on 15th April to lift the stay.

3)30 minuted earing granted for 9th May. Following this hearing (at which HSBC sent Counsel, who arrived four hours early!) matter has been listed for two hour hearing on 3rd June.

4) Next day following 9th May hearing received seven day notice of court proceedings from HSBC in respect of overdraft of 4k (which is more than 70% made up of their charges and interest thereon)

 

Any ideas on how I should approach this hearing? I am uncertain as to whether the 2 hours is for a full hearing of just to consider again the stay.

I want the court at the very least to order the bank to stop charging and cease collection activity pending the Test Case. Also my claim relates solely to matters arising before December 2006, i.e the historical conditions, which I understand might yet be penalties.

 

Any comments/advice greatfully appreciated.

Link to post
Share on other sites

Hiya Hopeless1234 and welcome to the HSBC forum :).

 

Can you give us a bit more detail

 

 

1) Stay granted on 24 August 2007, expired 31 March 2008.

Is this a straight current account penalty charges claim?

 

2) I applied on 15th April to lift the stay.

What grounds did you use in your stay removal application?

 

3)30 minuted earing granted for 9th May. Following this hearing (at which HSBC sent Counsel, who arrived four hours early!) matter has been listed for two hour hearing on 3rd June.

Can you post the court directions/orders you have received? or type out that bit of the court notice?

 

4) Next day following 9th May hearing received seven day notice of court proceedings from HSBC in respect of overdraft of 4k (which is more than 70% made up of their charges and interest thereon)

Can you give us a bit more detail of exactly what HSBC have said?

 

If you can let us know a bit more detail we can sort out what you need to do next :)

 

pete

Link to post
Share on other sites

THANK YOU FOR YOUR REPLY.

 

Stay granted on 24 August 2007, expired 31 March 2008.

Is this a straight current account penalty charges claim? YES, IT IS FOR TWO PERSONAL HSBC ACCOUNTS, THEY ARE NOT BUSINESS ACCOUNTS. IT IS A STRAIGHT CLAIM FOR CHARGES TOTALLING c1,500

 

2) I applied on 15th April to lift the stay.

What grounds did you use in your stay removal application? HUMAN RIGHTS ACT (REASONABLE TIME FOR A FAIR TRIAL) ALSO HARDSHIP ON GROUNDS THAT HSBC HAVE RECALLED MY OVERDRAFT AND ARE CHARGING ME INTEREST >20% P/A AND HAVE PUT MARKS ON MY CREDIT FILE.

ALSO THAT ORIGINAL STAY EXPIRED ON 31 MARCH 2008 and I COMMENTED TO JUDGE ON 9th MAY THAT IF THE INTENTION OF THE ORIGINAL JUDGE WERE TO STAY UNTIL FINAL OFT APPEAL HEARING THEN HE WOULD HAVE SAID SO.

 

 

3)30 minuted earing granted for 9th May. Following this hearing (at which HSBC sent Counsel, who arrived four hours early!) matter has been listed for two hour hearing on 3rd June.

Can you post the court directions/orders you have received? or type out that bit of the court notice? I HAVE NOT RECEIVED ANY DIRECTIONS. THIS HEARING WAS GRANTED AND SCHEDULED BY JUDGE VERBALLY AFTER HE HAD HEARD ME on 9th MAY. I WILL POST DIRECTIONS ONCE I HAVE RECEIVED THROUGH POST. I AM UNCERTAIN WHETHER THIS HEARING IS TO ACTUALLY TRY THE ISSUE OF BANK CHARGES (UNLIKELY??) OR TO HEAR FURTHER EVIDENCE THAT THE STAY SHOULD BE LIFTED. FOR COMPLETENESS, THE 9th MAY WAS AT TWO o CLOCK, AND WAS SCHEDULED FOR 30 mins. HOWEVER THEIR BARRISTER TURNED UP AND TEN o Clock AND WAS HEARD IN MY ABSCENCE, FOLLOWING WHICH STAY WAS NOT LIFTED. WHEN I TURNED UP AT two o clock JUDGE REALISED THAT HE HAD HEARD IN ERROR In MY ABSCENCE,(THE COURT PAPERS ALL SHOWED 2pm) AND AGREED TO HEAR ME. HAVING HEARD ME HE RULED THAT THERE WAS A CASE FOR HSBC TO ANSWER (BUT DID NOT SAY WHETHER HE WOULD HEAR ACTUAL UNDERLYING CLAIM) PARTICULARLY WITH THE INTEREST ETC BEING ADDED AND ALSO ON THE HUMAN RIGHTS ACT. HE SET ASIDE HIS EARLIER RULING AND LISTED THE MATTER FOR A TWO HOUR HEARING AT EARLIEST OPPORTUNITY. HE TELEPHONED HIS CLERK AND THE NEXT AVAILABLE DATE WAS 2nd JUNE, and was listed for this date.

 

4) Next day following 9th May hearing received seven day notice of court proceedings from HSBC in respect of overdraft of 4k (which is more than 70% made up of their charges and interest thereon)

Can you give us a bit more detail of exactly what HSBC have said? YES, THEY HAVE BEEN CALLING ME REPEATIDLY AND WRITING DEMANDING REPAYMENT. ON SATURDAY 10th May, THE DAY AFTER MY HEARING, THEY WROTE WITH A SEVEN DAY REPAYMENT NOTICE, STATING THEY WOULD BE TAKING ME VIA SOLCITORS/TO COURT UNLESS I REPAID OVERDRAFT. THEY ENCLOSED A VERY DETAILED FINANCIAL QUESTIONAIRIRE, WHICH I WILL NOT BE COMPLETING. I HAVE CALLED THEM TO DISCUSS ( PERHAPS UNWISELY) AND OFFERED THEM pounds 100 per month, WHICH THEY REFUSED. THEY REFUSE TO HOLD INTEREST AND SAY THAT THEY WILL CONTINUE WITH ACTION REGARDLESS OF COURT CLAIMS. TOTAL OVERDRAFT 4.0K, MADE UP OF - CHARGES 1,600, INTEREST THEREON, ABOUT 700-1000,

Link to post
Share on other sites

Whoo hoo :D nice one hopeless well done!!!

 

Ok you have a standard penalty charges claim that was stayed like all of our claims. You then (post test case judgment) applied to have the stay set aside and had a hearing listed.

The banks council turned up early and managed to get the case heard in your absence so he could get away again.

You turned up on time and managed to get the judge to hear you at the correct time, and convinced the judge there was a case to be heard (very well done :)).

 

Firstly the court, I think your 3rd June hearing will be a stay set aside hearing with both parties present but you should get a county court notice of this, if your worried give the court a quick phone call to check this.

 

I'm not sure where the £4k comes into this, is this additional to the £1.5k claim? is the claim part of the £4k figure? is the balance additional charged and interest you have received since you filed your claim with the court?

 

I would think the letter you have received was sent after they received their councils report of his mornings work as neither of you have received the court notice of the new court date yet.

 

They can do nothing unless they take you to court and as you already have a claim in the system for repayment of your penalty charges this is exactly what you want too :grin: stale mate :D.

 

It sounds like you are getting a lot of phone calls and letters trying to bully a payment out of you I will post the link to the harassment letter which should stop that too.

 

Edit

link as promised

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

 

I would update all of your figures so you can show exactly what your claim is for (the figure you have submitted to the court), the total of further charges and interest they have added since your claim that you will also want repaying and the bit you actually owe them.

 

You could even write to them and confirm you will be paying the balance you actually owe at the £100 per month you have offered and do it, just ignore what they say.

 

The financial questionnaire is their first move in offering you a managed loan and that is the last thing you want, these things are a life sentence to debt.

 

anything else you need to know just ask :) your doing great!! :D

 

pete

Edited by Castlebest
Link added
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...