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    • So no agreement /account number referenced anywhere on the claim form ?
    • I agree that what you describe is not a "salary sacrifice".  It may be that your employer has heard of the term and mistakenly thought it applied here.   It seems to me that you and your colleagues (who weren't furloghed) simply agreed to be paid less because of the current Covid circumstances.   What do you actually mean by:  "... and full payment would be returned this December"?  What did you actually agree to?  You obviously think it means that in December you would get backdated arrears of the 20% you had previously foregone, but it could equally mean that they would just start paying your full salary again, and the 20% you weren't paid has gone forever.   (PS - I notice in a couple of other posts you mention: "... that it would be paid back in full in December this year..."  I'm afraid that is still not necessarily the same as your employer agreeing to pay arrears.  What is the exact wording of what you have agreed to?  Not what you think it says - what it actually says.)   Depending on (1) what your contract of employment says about your wage/salary and (2) what you actually agreed to in terms of a wage/salary reduction, then you are entitled to be paid whatever has been agreed.   But if your employer simply can't afford to pay you because of Covid etc, then they can't afford to pay you with money they don't have.   Are you in a union?
    • We've not heard anything from CCBC or LC Asset following initial acknowledgement of defence from CCBC on 23 Sept 2020 and now being beyond the 28 days notice we're wondering what's next. Presumably CCBC will dismiss or stay the claim?
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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HSBC - DG Solicitors


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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

 

Collage001.gif

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.

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

 

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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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