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    • defence is due on Friday haven't had a response from Morality yet with regards to the CPR request. Have found this from a previous thread would it be ok to use?   1.The Defendant contends that the particulars of claim are vague and 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.The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   3.Furthermore, the claimant has given no details as to the breakdown of their claim so the defendant is unable to defend specifically.   4. The claimant openly admits that they do not have access to the agreement nor was the Assignor required to retain a copy. Therefore their claim is unsubstantiated. Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a  written agreement:   (1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s)  should be available at  the hearing. With the court’s permission the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed ; c) show how the Claimant has the legal right, either under statute or equity to issue a claim;   5. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   6. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HSBC - wanting to do a claim for bank charges..help??


godpikachu
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Hi god, you need to have agood look through this site and research as much as possible before going any further. once you feel comfortable with the process, you can start firing off letters, but I can't stress enough the need to be aware of the do's and don'ts. keep updating your case, ie rough amounts,timescales,etc people on here are more than willing to help. this money is yours, don't be fobbed off by the bank, look listen and learn, omnipotent by name, omnipotent by nature.

Abbey 1 settled in full 01/05/07

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thanks for that, id already had a bit of a poke round but nothing jumped out at me, but that step by step guide is very helpful.

 

a lot of reading there, ill have to sit and have a good look through it all before i know wether i can get started.

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Hi godpikachu, welcome to the forum,:)

 

If you are on online banking you should be able to access all the statements to ascertain how much you've been unlawfully charged.

If you aren't online I would suggest you send a SAR as soon as possible - (see the instuction on the link provided by Pinkduchess).

This gives them 40 days to supply you with the information you require to get a claim started.

So, if you send the SAR you can use the intervening time to read up on the next steps while you're waiting :)

 

When you send it , make it 'recorded delivery' - and enclose a cheque for £10 - so that you don't have to wait till they charge your account with it - because the 40 day clock doesn't start ticking until they get the tenner :rolleyes:.....

 

This should be enough for you to go on with for the moment - but come back if you have any queries at all, somebody will answer- we're a friendly lot on here :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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  • dx100uk changed the title to HSBC - wanting to do a claim for bank charges..help??
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