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    • Hi DX thanks for getting back - the original bill came in at around £130 - it was my sons phone but in my name - it was a £13 a month contract - he went to the USA for around six weeks, however he crossed the border at the falls into Canada for two days - When he got back he found out that the calls in Canada were not pert of 3's roaming - he got the bill and asked 3 why he got charged so much -  put in a complaint - however a few weeks later they said full amount had to be paid - he couldn't pay - they cut off his phone still had over a year to run his contract down - so added almost £200 charges that he could use – To be honest he should have just paid up when he got the bill but his job fell through when he got back and he didn’t tell me at the time – we both have the same name, so I just passed on all 3’s post to him without opening it.   Again many thanks, Lushni
    • well get that sar running to welcome sadly you have a shock coming upon how much of this debt will be unlawful penalties.   on your credit file- who's name is against the CCJ . not welcomes i bet.. did you go look at your deeds online too?   
    • I think he might be more worried about this than a pending 'inciting insurrection' charge.
    • ok might be getting ahead of myself but here is witness statement.     INTRODUCTION   1: I am the defendant and state that the facts contained in this statement are true to the best of my knowledge.   2: There are several documents attached with this statement. (paginated)   3: It is my understanding that the claimant is an Assignee, a buyer of defunct, disputed or bad debts, which are bought on mass portfolios at a much reduced cost to the amount claimed ...10p to 20p in the £1 and which the original creditors have already wrote off as a capital loss and claimed against taxable income. The claimant then issues on mass claims to circumvent and claim the full amount of debt to maximise profit.   4: As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   BACKGROUND   5: The Claim relates to an Alleged Credit card agreement between the defendant and Vanquis bank.   6: Whilst it is accepted that the defendant has in the past had contractual dealings with Vanquis, the defendant is unware of what alleged debt the claimant refers, and the defendant has not entered into any contract with the Claimant.   7: The defendant requested a copy of the CCA in September 2020 (cant find copy letter) after receiving a letter from Lowell dated 15/09/2020, Page 1, to which the Claiment has acknowledged receipt and requested said documents from their client, letter dated 05/10/2020 ,Page 2.   8: The defendant has received numerous letters from the claimant asking for payment with a settlement figure leading, with no proof of debt owed in these letters, led the defendant to doubt the authenticity of the Claimant and the claim.   9: Legal proceedings were issued on the 30/11/2020 to which the defendant issued his defence a copy of which was served on the claimant. Again a letter was sent, dated 07/12/2020 Page 3 requesting a copy of the documents that they rely on in their claim. Alas no true copy of agreement has yet to be received, in fact no paper work has been received relating to their claim.   10: The defendant stated in his defence that no evidence of the CCA has been provided nor evidence of the acquisition/purchase of the alleged debt by the claimant.   DEFENCE:   11: The claimant has not provided a true copy of the CCA despite numerous requests being made firstly in September and secondly on the 07/12/2020 in response to claim despite stating in the letter dated 23rd October 2020 `please find enclosed a copy of the agreement`   12: There is no valid copy of an executed consumer credit agreement that complies with the CCA1974   13: The `so called ` copy of agreement stated in claimants letter dated 23/11/2020 , Page 4, is in fact stated as an online application and is no more than a log from either the OC`s operating system or one that has been constructed since with details from the account to look like an application.   14. The information provided on letter dated 28/02/2020 from Vanquis has been sought without the defendant’s approval and as the defendant did not contact Vanquis to request application information and as such any information dated 28/02/2020 provided by Vanquis should not be used as evidence.   IN CONCLUSION:   16: Without a valid true copy of the executed Credit agreement that complies with the CCA1974 the claimant has no grounds on which to enforce this alleged debt and has in fact attempted to mislead the courts in to believing that they have the necessary paperwork.   It is therefore respectfully requested that the court dismiss this claim and costs requested.   Statement of Truth   I, ********, the Defendant, believe the facts stated within this Witness Statement to be true.
    • Still not heard back from these but would like to ask regarding statute barred date.  March 2015 was 1st reported payment so would it be March 2021 ? Or does it go from date defaulted or date of last payment ? Also why only showing in default with one of three CRA's. ?   Equifax Details Updated 17 Jul 2017 Balance: Not Reported Limit: Not Reported Payment status not reported   Experian Details Updated 2 Feb 2020 Balance: £0 Limit: No Limit Reported Account in default   Information for this account not reported by TransUnion        
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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HSBC - DG Solicitors


Please note that this topic has not had any new posts for the last 3229 days.

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If you have had any dealings with DG Solicitors, you may wish to view the following PDF, giving a detailed description of their role within, and as a part of HSBC:

 

Click this link to view the PDF - DG - PDF

 

HSBC Invoice Finance has a recovery and dispute resolution operation based in Birmingham. Within this facility there is a dedicated litigation team of solicitors and legal executives who specialise in commercial debt recovery. The litigation team operates in the name of “DG Solicitors” but is a dedicated “in-house” unit. As DG Solicitors use the same systems as we do, we offer a seamless transition to issue legal proceedings, if necessary.
If you have had any dealings with DG Solicitors, whether good or bad, then feel free to share your experiences on this thread.

 

See the steps I took to get my bank charges back

Spiceskull v HSBC

Thank you Consumer Action Group

Read my blog

View a heated discussion about bank charges on the Times Educational Supplement bulletin boards

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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"As DG Solicitors use the same systems as we do, we offer a seamless transition to issue legal proceedings, if necessary."

 

hmm, why do they need us to send them details of our charges history then?

HSBC- £4995, settled payment in full

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

 

if you're not sure what to do?, Read the FAQ's

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

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"As DG Solicitors use the same systems as we do, we offer a seamless transition to issue legal proceedings, if necessary."

 

hmm, why do they need us to send them details of our charges history then?

 

maybe they want us to work for our money:D

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yeah sure i dont mind

 

say £30/hour, thats reasonable i think

  • Haha 1

HSBC- £4995, settled payment in full

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

 

if you're not sure what to do?, Read the FAQ's

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

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For cases where the standard charges do not apply, DG Solicitors will charge their time on a ‘time spent basis’ at the competitive rate of two thirds of the general market rate. Their current charge rate is £100 per hour plus VAT.

:-D

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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  • 3 weeks later...

Hi guys,

 

thanks for all the links to DG Solicitors, and contact information. Is anyone aware of an email address for them, or is it best to use a fax?

 

I submitted by claim on Tuesday, and haven't heard from them yet, but want to speed things up a bit. I have my breakdown of costs ready to send so don't want them to faff about for a few extra days for the sake of it...

 

Thanks,

 

WendyN

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i faxed them my charges breakdown and got my settlement two days later ;)

HSBC- £4995, settled payment in full

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

 

if you're not sure what to do?, Read the FAQ's

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

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They are going to choke when they get the claim I raised today...for the invoices I issued in bringing unlawful "charges pending" to their attention...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 1 month later...

Has anybody got an email address for them at all?

 

 

 

 

edited: typo

HSBC - Received offer for 3621, accepted confidentiality crossed out. Money in bank 10/10/06!

 

Barclaycard - 180.00 LBA sent 5/10/2006

72.00 offered, rejected.

 

MBNA - S.A.R sent 13/9/2006 :idea:

 

Mint - 244.00 prelim sent 30/9/2006

 

Dorothy Perkins and GE money - S.A.R sent 30/9/2006

 

Simpley BE - S.A.R sent 30/9/2006

 

What I say is of my own opinion. Seek professional legal advice if need be.

 

If I have helped, tip the scales! Thank you x :)

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They are going to choke when they get the claim I raised today...for the invoices I issued in bringing unlawful "charges pending" to their attention...

 

How did this go?

 

Also, you might be pleased to know that I am referring DG to the law society - check out the process in the un1boy vs hsbc - SETTLED thread below

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 2 months later...
  • 2 months later...
i faxed them my charges breakdown and got my settlement two days later ;)

 

I received an Acknowledgement of Service claim from HSBC on 30 January, 2007, where they intended to 'defend all the claim'. This was followed up with a request for a fully itemised breakdown of the amount claimed by DG on 14 February 2007. I faxed this information over to them on 16 February 2007. Unfortunately they haven't been so prompt in responding as i have yet to hear from them. No chance getting through via telephone either...It's now 28 February 2007. :-x

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it would be best larry if you start your own thread - just look at top of bottom of the forum list for "new thread", it's a smallish blue oblong and press and you are away.

this is entirely normal for them(dg) - as it has now been 28 days from your issue date - can you try to press the judgment button on the mcol? try it. that will tell you if they have entered their defence - perhaps you submitted an n1 in which case you could ring the court to see if they have submitted their defence. so,start your own thread - or we'll never be able to find you - and let us know what you find out - we can help you from this point if we know where you stand.

you could also ring dg to see if they received your breakdown;

here are some dg phone numbers:

0121 455 2111 (Debbie)

0121 455 2701 (Rachael)

0121 455 2196 (Kate)

 

mostly you get voicemail - but you could leave your name, claim no., tele. no. and ask they to get back to you and that you wish to know if they received your breakdown.

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  • 1 month later...

Hi all, just thought you might like to know that I am also at the notice to defend stage with HSBC, in the interests of dispute resolution I have attempted to phone them as the date for filing the defence is approaching and they have responded with "we will respond within the guidlines set by the FSA which is 8 weeks" I asked if they were recording the call they said yes so I asked if they viewed the FSA or the court as the higher authority, so they said FSA, I repeated this in about 3 different ways and the response was always "we follow the FSA guidelines" maybe someone who knows someone in the press might appreciate that the banks obviously think they are either above or outside the law !

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  • 2 weeks later...
maybe they want us to work for our money:D

 

 

 

What on earth do you mean?

 

I did work for that money and they took it off me.

 

I reserve the right to fight for compensation

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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  • 4 weeks later...

they are not very helpfull at all idid manage to get another number from hsbc bank cause those numbers you get are to there voive mail covenient hey

 

rachael 0121 455 2753

debbie 0121 455 2749

 

 

goodluck everyone as i have trying to get my money back since nov 2006

i did get a letter of an offer back may 2007 since then nothing

 

come on where is my money EDIT

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i did get a letter of an offer back may 2007 since then nothing........ come on where is my money

 

If you got an offer this month, Then why didnt you take it ?

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I received a defence from DG solicitors instructing me that they refuse that HSBC owe me any money what soever.

 

However HSBC sent me on numerous ocasions and on the same day i recioved the defence i received a further partial offer.

 

I am waiting further instructions from the judge can any one help ?

 

I have already sent them a letter objecting to the partial settlement.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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  • 2 weeks later...

Hi All,

 

Have read loads on here and sent my letter requesting my statements which I have never heard back from, so after the 40 days (ie today) I have gone online with HSBC and calculated all charges a total of £3225 inlcuding 8% interest.

 

This letter is going today, obviously par for the course wait 14 days and then send the LBA letter...

 

When should I contact this DG Solicitors group?!

 

:?

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