Jump to content


  • Tweets

  • Posts

    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
    • President Ruto says Kenyans pay less tax than citizens in some other African countries.View the full article
    • As PM Sunak really showed his true colours at the D Day Commemorations by doing what? Oh I am the British PM lets just leave early I have better things to do and as he is called out on disrespecting all those veterans that served our country for the freedoms we have today he gives a groveling apology to little to late. He knew about this event for a long time and also knew that this is probably the last D Day Commemoration due to the age of those Veterans who gave so much for there countries freedom. Even on the day of the D Day Commemoration he still could have changed his plans As PM and stayed but choose not to showing such DISRESPECT to those Veterans, those that lost there lives and Families for the Freedoms we have today Being a Veteran myself I have never known a PM to show such disrespect what the hell was he thinking SHAME ON YOU PM SUNAK  
    • Thanks. We'll try to help over the weekend. If the hearing is on 05/07 then it's 90% sure that the deadline for filing your WS is 21/06.
  • 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

OH HSBC credit card debt


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

Thread Locked

because no one has posted on it for the last 4056 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

  • Replies 223
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • 9 months later...

Hi Everyone

Continuing saga of O.H. v HSBC .Ref a Credit card. Gone the route with SBC who stated in writing "there was no point in further correspondence in this matter" 2 years ago. Since then Moorcroft tried and went away and last year Lowells surfaced and went away after non acknowledgement letter. Latest is letter together with photocopy of 2 statements from over 7 years ago at previous address + photocopy of T&C's + application form filled out with O.H's details at previous address - not where card was issued to! Beleive they are p***sing in wind, as copy statements were from HSBC Birmingham ? Card was Midland card originally. Any thoughts? hank You

Link to post
Share on other sites

I would send them 1 final letter stating as the information supplied purporting to be copies of statements,T&Cs and application are all incorrect you do not expect to receive any more communications with false information.

 

How far away from being SB?

 

FS

Link to post
Share on other sites

When was the last payment or acknowledgement

of the debt.

Miland was swallowed up by HSBC.

Before sending ANYTHING you need to check your

credit files and see the status of the account, it's

pointless sending any ''final'' letter until you are

sure,as the information is not false it reflects

the take over of the card issuer.

Were any payments or acknowledgments made

after the date 0n the statements you have received?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Was the ''application form'' signed?

Do the statements show traceable

use of the account, name, address

etc.,

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

No, application form not signed and even made out at previous address not where card was originally issued

just OH name & address. Card statements show a few items bought and old credit limit

Should have said all this saga is in OH single name prior to us getting married

Link to post
Share on other sites

Ok, now you need to put the account into

dispute as the CCA information does not

comply, use the template letter in the CAG

library and tell them that no further correspondence

can be entered into until the compliant signed

and properly executed agreement is supplied, send

this letter recorded delivery addressed to THE COMPLIANCE

MANAGER at Lowells, check delivery on line.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

No they have not complied with

your lawful request by sending an

unsigned app form this is the account

now in dispute letter no fee needed,

it now puts them to proof of the debt

and their right to collect.

Have a read through the templates

I think there may be a couple to suit.

 

Brig.

 

Let me know if you need help

with it and I'll put something together

which you can amend.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thank You Brig

I need help because I sent Lowells the " serious dispute" letter - their response before was that HSBC stated they had closed complaint and sent final response letter but amount was still owed. this sent them away last year so when they wrote recently I sent same letter, but this time received above info and statements

Link to post
Share on other sites

OK, what you are telling the now is that

the documents they have supplied do not

comply with a request under CCA 1973 sections 77/78,

and until they comply you will not correspond further,

this is Lowlife attempting the BULL SH*TE baffles

brains approach by sending meaningless bog paper.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks Brig Will send tomorrow, and allow them 10 days + 2 to respond with copy of SIGNED agreement or they are also in serious breach. You've been great Will let you know result. Weight off my mind & OH Thank you once again

bb

Link to post
Share on other sites

bb, The time limit is not relevant on this

letter as it is a complaint of non compliance

under the CCA 1974 just state you expect

a reply within 14 days as the final sentence

of the letter.

Brig.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...