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    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
    • Kim Kyeong Yeon developed his virus-destroying machine after his child injured herself. View the full article
    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
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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.
       
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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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Jimbos Vers. HSBC


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Hello all,

I was put onto you by a friend who got a payout from HSBC (£1650 of £1890 - unreal..). At first I was sceptical but upon investigation I am now a believer! I knew I was poor at managing money but after looking into my accounts I find I have paid £3829 in Charges since Aug 04!!!!

The level of charges made by HSBC is staggering, so now I have composed my Preliminary letter and will be delivering it to the bank by hand today.. I look forward to hearing there response and I will keep you posted. Just want to say thank you for giving us all the chance to try and strike back at the banks, if I win I will be giving back.. Jimbos...:)

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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Good luck with your claim - make sure you get a receipt from the person you hand it to - then they can't claim they didn't receive it!!

Dani

 

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Good luck and keep at them. I had to keep phoning to get a response apart from, yes I see your letter on the system and no, dont know when we will sort it out!!! Customer services put a note to the investigating team to tell them to hurry up.

Pre-Lim letter sent 28 June 2006- received 4th July 2006.

 

18 July 2006- offer of £594.86 (which includes charges they are going to take from me mid next month)

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  • 2 weeks later...

:cool: Evening all,

 

No word from the mighty HSBC in relation to the prelim letter I sent 17/07.

 

Interesting that they have responded to the S.A.R - (Subject Access Request) letter I sent before realising that I had the data going back to 2004 online, I used this to put together the prelim letter.. Hope ive not confused them by askin for data then a refund before receiving the data. I have just put together the LBA, will be posting on Monday. The letter had a intersting note in relation to the manual intervention required:

 

Although many of our systems are automated, a "manual intervention" by HSBC staff may be required in a varity of situations including; account opening, dealing with correspondance or telephone calls,, when deposits or withdrawals are made over the counter at our branches and from time to time during account administration.

 

Do you think they are lining up for a get out clause or did they actually read the SAR letter..?

 

Getting twitchy now, I read that HSBC are closing accounts of people making multiple claims against them. I only need the one, although it is for two account numbers.. Should I have seperated the refund requests?

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 ;)

RBOS SAR sent 12/07/06 :cool:

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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dont worry about confusing them, they will know whats coming anyway, the wording that you quoted is standard waffle, they have tp put this out to make it appear that everything is legitimate, and also to try and dissuade you, but you know better ;) ,

 

yes hsbc have closed accounts down, but only as far as im aware for those that claim twice, dont seperate the refund requests unlesss the amount goes over £5k

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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dont worry about the manuel intervetion bit , they sent me exactly the same. they then offered a subtanial amount as full and final settlement at the prelim letter stage, which i have accepted as part payment only, and i am pushing on with claim for full amount, but as yet had no reply.

good luck with your claim; dont let them put you off

:mad:LF53
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  • 2 weeks later...

So, following the LBA I receive a offer of £1996 (Half the requested)... nice to know that I have reached someone, tempting also I must say.

 

Question:

 

Deadline for LBA is Tuesday next week, Do I have to reply to the offer or can I just disregard it and go to MCOL? by the time the letter gets to them it will be time to claim anyway, I don't want to hold the process up.

 

Its inspiring reading the threads of the people that have taken the process all the way, I only hope I can emulate them...

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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they offered me 1995 against 2700 at prelim stage, it was tempting, but i replyed with lba saying i would accept it as part settlement. i then recieved a reply basisally saying bog off. claim being filed at court on monday, and the amount has now risen to 3450.

if u want to accept it good luck and well done, if not, wait till you send lba and say you will accept it as part settlement only, then wait for there responce,

good luck either way kevluff

:mad:LF53
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sorry, just noticed they made offer at lba stage, so just write back with your decision one way or another, and see what there reply is,and take it from there. i was being a bit hopeful and thought they might stump up the whole amount, it turned out i was being a bit naive, so as i said before off to court tommorow

:mad:LF53
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Both letters have been addressed to the manager at the local branch, Looks like the internal mail sorted it out...

I don't know whether to bother replying to the offer though..

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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Right, MCOL filed Tuesday... the waiting game beings again. Feel like Im doing something wrong though, no responses as yet.

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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  • 4 weeks later...

DG Soliciters asked for the claim details on Friday last week, sent off the breakdown over the weekend. The MCOL runs out this week so i'm sure that I will hear something soon, the waiting is killing me though.

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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  • 7 months later...

I haven't posted for what feels like forever, but I got £4.5k out of them for this and went on to get RBS for £3.3k too. As allways follow the procedure and get your facts right and the charges will be refunded eventually. Justa note to all out there who doubt their ability to carry it through, this site and the people who post must be the most knowedgable and genuine bunch I have ever heard of. If you have a problem, if no one else can help, and if you can find them, maybe you can hire the CAG -Team."

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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LOL class :)

 

Cue music....

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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