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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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County court claim help please


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Hi I am starting a new thread in here as its probably more appropriate than the other forum sections....although I started one regarding this issue.

 

Anyway, I recieved a claim form dated 30th January 2009 from Northhampton CC. It's for nearly £8K and its from Mortimer Clarke solicitors. They are claiming its for an overdraft but its not we never had an overdraft for the amount claimed (£4500 plus interest!!!!) and they say its a current account with HSBC but its not, the account they refer to was first direct. Also, I have kept everything to do with this account, ie statements etc (from 1997) and the closing balance on this account was 3p in credit so where they get an overdraft from I dunno!!!

 

I responded online, saying I was giong to dispute the whole debt and in defence I put that I dispute and deny alledged amount because of the aforementioned facts.

 

I heard back from court to say they had passed this defence onto claiment and he has 28 days to respond.

 

What do I do next? I am in the process of copying all statements and other evidence (letters, returned £1 fee from request for CCA) Will the court tell me when to present this defence? Or do I just wait for a further responce?? I have already sent him the letter requesting info that her has to provide with in 14 days (thats up monday)

 

What next?

 

Thanks for reading and any advice would be great!!

 

Fedup

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They will have to prove you owe the money and if you have copies of statements that prove you don’t then they are going to run into problems.

Wait and see what response you get from the defence you submitted – if you don’t here anything within the next 4 weeks then phone the court for an update.

You could also write to the solicitors stating that you don’t recognise the account and request copies of statements to validate the claim under civil procedure rules.

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Hi I did do that, and sent it recorded delivery, the 14 days is up monday. Will I be able to show in court that I have evidence of said account?

 

Also, having read other threads, I was worried that the defence I submitted was not correct but then I understand at this first stage that it was enough.

 

thanks

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Hi I did do that, and sent it recorded delivery, the 14 days is up monday. Will I be able to show in court that I have evidence of said account?

Yes – if it goes to trial you will have to disclose any documents you intend to rely on and so will they.

Also, having read other threads, I was worried that the defence I submitted was not correct but then I understand at this first stage that it was enough.

As long as you disputed the amount and said prove (or words to that affect) it then that is what will have to happen.

thanks

 

Give the sols a call on Monday and ask them if they intend to send the info you requested - if not then ask them to confirm why not in writing.

 

You can't do a lot now until they decide to continue or not - they would be pretty silly to continue without being able to prove how the sum claimed was reached.

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A Bit more info....

 

We had a loan with first direct and we defauleted in 1998. it was passed to MCS and we have been paying them between £10/£15/£20 per month up untill 2007 when I asked them for a CCA. Sent letter recorded delivery and kept proof of posting. we got a letter back from C&G solicitors with a £1 cheque. The letter said please find enclosed a cheque for £1 being the amount over paid on said account. I therefore stopped payments and never got a CCA. It was then in oct 2007 sold to Marlin, and I informed them account in dispute etc, but no responce. then in Jan 2009 I got letter from litigation dept saying we have been trying to telephone you (lie cos they have no number for us!!) and basically if we dont respond they would get a CCJ and go for charging order on property. I again reitterated account in dispute.

Imagine my surprise when Clqaim form came and in POC it states we had an overdraft of said amount and we had drawn it all out and refused to pay it back!!! Also it states HSBC current account when Its not. I have proof like I said, of all this.

 

I cannot believe they (mortimer clarke) have lied like this, but methinks its cos they know that HSBC (first direct) dont have copy of CCA for loan, but it clearly shows on statements the loan and also says personal loan insurence etc.

 

How do I stand do you think???

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Well the first thing is they need to be claiming for the correct account/agreement – so if they’ve got all this wrong then they will need to amend their claim – they could discontinue and make a new correct claim stating the proper facts or they could apply to change the PoC with your permission.

There really isn’t a lot more you can do until they decide to continue or not. At some point they will have to produce the relevant info to justify the claim – they can’t just turn up and say so and so owes this without showing how the debt has been calculated.

If this claim is really to do with a loan rather than a current account then they will need to produce the agreement and a valid default notice – without those documents they will struggle with their case.

Maybe they have been silly and transferred the balance outstanding on your loan into your current account and are claiming on that basis. That would present a massive problem with their claim IMHO.

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Do I say its a loan in my proper defense or do I just let them prove said debt, and tie them in knots with the statements I have saying at close account in credit by 3p... I thought it might be best to just put them to the proof, seen as they have lied.....Also We have so far paid £1900 off said loan and it was, back in 1998, for just over £3K. (account was closed in July 1998 )

 

Thanks for your replies

 

fedup

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It seems very odd to me that for X amount of years its been a loan and when I ask for CCa they sell it on as an overdraft, after all, overdrafts are not covered by the CCA are they!!

They can't just convert a fixed sum credit agreement into an overdraft unless you agreed to it - that would be a complete breach of the Consumer Credit Act.

 

They will have to disclose what they intend to rely on as the case progresses - that's when you have to be on the ball with your defence - you can only counter the argument they put forward so let's see what they come up with.

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Ok thank you very much for taking time to reply to me I really appreciate it. No we never agreed to it, in fact we never knew anything about it, in fact when HSBC wrote to us to say they had sold debt onto marlin, it stated then "current account" and not loan, but its the same account number as our first direct account!!! I will come back as soon as I hear anything else. I'm sure that, even if the defence I submitted so far is not enough I can still appeal decision if it goes against me on grounds aforementioned.

 

Once again thanks

 

Fedup

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They can't just convert a fixed sum credit agreement into an overdraft unless you agreed to it - that would be a complete breach of the Consumer Credit Act.

 

It would also be a breach of your origonal contract. They would also have to prove that they haven't altered the interest rate, & Terms & Conditions.

 

Debs

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Hi just to update you here

 

The date on the claim is 30th jan

 

You acknowledged service, defending all of the claim?

 

You filed a defence?. we will need to see the defence.

 

Can you post up or type the Particulars of claim?

 

Remove anything which could identify you before posting

 

You have sent a CPR request to their solicitors?

 

Have you had

 

a Default notice?

 

a Notice of Assignment?

 

Sorry for all the questions, but we will need to know to help as things progress

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hi yes I acknowledged service and disputed whole amount.

 

The POC said that we had a current account with HSBC IN 1997,(by written agreement it says...not true its first direct but never any written agreement) and that we had taken £4K overdraft,(not true) withdrawn the funds(not true) and then HSBC terminated account and we had ignored requests for payment by HSBC (again not true as HSBC have NEVER approached us about ANYTHING to do with this) ..that Marlin/Pheonix took over the debt in Oct 2007. Therefore they claim the £4K "overdraft" plus interest....total £7500

 

I asked in my other thread in "debt collection" section for advice on a defence but sadly got no answers ( only on matter of what to put in defence, and have decided to post in here) so I put what I thought which was the truth basically...."We deny and dispute this claim because we did not have a current account with HSBC (it was First Direct) and we did not at any time have an overdraft facility for the alledged amount owed"

So basically am putting them to the proof of this amount.

 

I have had a letter back from court saying thats been served on claiment and he has 28 days to respond, if he does not then it will be stayed and he will have to then apply for that stay to be lifted.

 

I understand I will have to hand my evidence into court if this continues and NO There is NO default notice, as it was defaulted on in 1998.....but I have letter from HSBC and Marlin telling me its been sold to them. Even the HSBC letter states "HSBC current account" but no mention of either loan or overdraft. Same with marlin letter it states HSBC current account....NOT overdraft.

Edited by fedupwithdebt2009
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Basically, on the statements I have it clearly shows no such amount owing an it also shows my husbands wages paid in ( I dont work) and it was around £900 per month back in 1997/98 so there is NO WAY that we would have even been given an overdraft of £4K its just madness !!!!!

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Hi, in the next stage Allocation Questionnaire, (if they decide to continue with this), you will need to require them to provide,

 

1 the agreement

 

2 notice/deed of assignment

 

3 a full breakdown of how the sum claimed has been calculated,together with entries for all charges/fees applied etc.

 

If they provide all this, then it should show the full story, then you can file a fully particularised defence to their claim.

 

If they dont then their case should be struck out

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Just read your other thread – probably best to stick to this thread now and post a link to it from your other thread.

Just to reassure you – if it turns out that the HSBC have transferred the balance of a regulated loan into an unregulated overdraft then their case will be easily defended. In doing what they have done they will have terminated the regulated account incorrectly therefore losing any right to recover any outstanding monies.

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Hi and thankyou both very much for taking time to repy. The account in question was closed by First Direct in July 1998 because our overdraft was £250 and we kept going over the limit and it was only opened in sept 1997. We also had a visa card each with first direct. The loan, which , as they are a telephone bank, was offered to us over the phone, was used to pay the cards and the SMALL overdraft off. Cards and account closed. All this is in the statements I have so I can prove I am telling the truth here. We made several payments to loan from 1st direct account, again these are detailed in statements, and when we changed to our new bank, CCCS advised us to offer what we could afford as per their budget sheet. Hence we have continued to pay this debt right up to the point that I realised I needed proof of this and sent request for a copy of cca, which was duly ignored, therefore I withheld payment, which I am within my rights to do after no CCa was produced.....all of this I can proove.

 

Once again thanks

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Hi I sent a copy of following letter to mortimor clarke on 2nd feb, by recorded delivery. Today I got a letter from MC saying they have asked their client for doccuments requested and will forward them on if it is before the court makes an order of disclosure.

 

Should be interesting to see what they come up with!!!!!

 

LETTER SENT:-

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT

 

In the Northampton County Court

xxxxxxxxxxxxxx -v-xxxxxxxxxxxxxxxxx

Claim Number: xxxxxxxxxxxxxxxx

 

 

Dear Sir/Madam

 

REQUEST FOR INFORMATION CPR 18

 

I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below.

 

The information must be furnished within fourteen days of the receipt of this letter. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

 

 

1.1 If copies of any of the above documents are to be relied on in court rather than originals, a copy of the Notice of proposal to adduce hearsay evidence required under s2(1) of the Civil Evidence Act 1995 together with proof of the authenticity of the document(s) as required under s8(1)(b) of the Act, including but not limited to:

 

(a) a copy of the procedure(s) used for copying, storing and retrieving documents

(b) a copy of the relevant log entry showing the time and date of the scan or copy, the name of the member of staff making the copy, the method used for copying, storage and retrieval and time and date of destruction of the original document(s)

© copies of internal and external audit reports covering the entire period from the date of the copy to the present to demonstrate that the procedures have been complied with

(d) copies of Quality Assurance accreditation certificates covering the entire period from the date of the copy to the present to demonstrate that the procedure(s) and audit process(es) comply with the appropriate quality standards

 

2. All records you hold on me relevant to this case, including but not limited to:

 

a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

b. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with NatWest

c. .Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

d. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

e. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

f. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

g. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

h. Copies of statements for the entire duration of the credit agreement.

 

 

3. Any other documents you seek to rely on in court.

 

 

I will require this information within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

Yours sincerely,

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  • 3 weeks later...

Hi just an update here, it's obvious that Mortimer clarke are not going to provide me with anything to do with this alledged "overdraft" and I have not heard anything from the court yet, would it be advisable to ring court and ask them if its now stayed or will they write and let me know?

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Hi please help with this...:(

 

it's form N150

 

Basic back ground to this dispute is that we opened a bank account with first direct in 1997. In 1998 we took out a bank loan with them to pay off 2 visa cards and overdraft of £500. Account closed in 1998 (july) and balance at time was in credit by 3p.

 

Been paying nominal amounts off loan untill 2007 after defaulting in 1998. Asked for CCA for loan in 2007 and they ignored it and sent £1 cheque back saying it being amount overpaid on account. So account in dispute since 2007 because no cca for loan. No CCA = no payment. Have proof of payments made, have kept cheque and letter, and also have all bank statements relavent to said current account.

 

In January 2009 recieved county court claim for £7500, from pheonix/MCS and in POC it states that we had an over draft for £4000 and we refused to pay it back...also states current account was with HSBC, when it was First direct althought they have the right account number for my statements......that show the 3p credit when account closed. Have asked for info off solicitors MCS ( see above) but nothing, and today got Allocation Questionaire. Would be very gratefull of assistance to complete said form if you can 9 also with proper defence to be filed after AQ)

 

Thanks

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