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    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Little old me V HSBC - Claim form now received


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Quick question LTP? i have posted off the UR letter back in April did the check online and said it was in system etc, looked today just to check that it had been signed for and i got "this letter being progressed through our network for delivery. " Now does that mean it's got lost? or simply that hsbc haven't signed for it? checked my mbna one and that's been signed delivered etc!! Seems that two more to hsbc are still showing like this. Does that mean i have to re-post the letter?

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Probably better to ask Royal Mail why it hasn't been delivered yet, I would think. the fact that there are 2 more makes it more relevant to find out what is going one because resending them could end up with the same result.

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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it shows they were, accepted at the local post office etc but then still says their in the system to be delivered, have read some threads elsewhere that says that hsbc don't sign for them for some reason etc!!! Or should i send that UR letter once again cos it went in April, does it mean that that the account isn't in dispute and i'm in the cr@p here?

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I send a SAR to them which they signed. As well as another letter responding to their fob off letter, but that went to a different part of them. There are probably more than one place that can accept letters?

 

Would harm (besides the £1.**) to resend it, mind you, I will have to check mine!! Will report back on that when done, if mine is the same as yours, then it could be a HSBC "policy", if they signed for it, then you could just resend it.

 

Remind me when I went into the branch the other day asking for the printouts:

 

"HSBC requires that a SAR application must have a signature"

 

I didn't use exactly these words but it was along these lines:

"These thinhs things are done according to UK Law, not HSBC Law" - seems they think there is a HSBC Law above all other laws!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Do i still remind them that i accept their UR from the 22/04/10 when i sent the first letter just to be sure? Will get onto the post office in a little while to find out if it has been delivered?

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  • 2 weeks later...

 

You could be cheeky and invite their comments/advice on where to go from here.. (given their waffle on the above link ........ ):rolleyes:

 

I did send them a letter asking their advice:razz::razz:

 

They responded with a letter stating that my account is on hold while they await a response from HSBC.

 

Just waiting for HSBC to come back with an amount including only the arrears and an offer of "forgetting" that amount beacsue they "hurt my feelings" by terminating the account on the back of a faulty DN;):razz:

 

will see what they dishe up....

 

should get my SAR results in a day or two ...

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi LTP have just got my letter from DG solicitors, saying that they're going to take me to court and 'may' etc etc.... i shall send that letter of yours and see where it goes from there......

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Do you have a link to that letter about the UR that i can send to them too, please?

 

Here is the letter I send but I included a photo copy of the letter that I have send to HSBC:

 

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

 

ACCOUNT IN DISPUTE

Your reference: The reference in their letter (not my account number)

Here is a copy I recently send to HSBC for you reference. I am also in the process of claiming back Payment Protection Insurance which I believe I have been mis-sold by your client on this account. Seeing that you seem to be taking the fact that accounts are in dispute seriously I will appreciate comments/advice.

 

Yours faithfully

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi LTP have just got my letter from DG solicitors, saying that they're going to take me to court and 'may' etc etc.... i shall send that letter of yours and see where it goes from there......

 

This is something that cerberusalert posted on another thread, maybe send this to them as well? I want to that after receiving any further response, especially seeing that they have a mix up with the account numbers:

 

Well since they has threatened court action you can now use CPR so send him this:

 

Their address

****NOTICE UNDER Civil Procedure RULES***

reference

Dear Sir/Madam,

This is in acknowledgement of your letter dated ................and also of .............The contents of which have been duly noted.

Further to you stressing that county court proceedings will be actioned by yourselves should I fail to make contact/stressing that proceedings are about to be commenced in regard to alleged sums outstanding and alleged owed by me on the above account, I remind you of Civil Procedure rules protocols. Nevertheless in my response to your letter please be advised of the following.

I put forward that you now have a requirement to provide me with;

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. Please note that a "true copy" as defined by the Consumer Credit Act will not be acceptable in this case, and a copy of the actual executed agreement, including signature, is required.

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

1. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations

3. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by me with........... is required.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of any proof of postage that you hold.

5. 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).

6. 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.

7. 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.

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

9. 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.

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

I make this request to ensure that each party has equal footings which can allow action to proceed speedily fairly and without undue costs or waste of courts time, as defined within Pre-action Practice Directions -Protocols 4.6 of the Civil Procedures Rules.

I will give you 14 days to respond with the above, failure to comply will result in a complaint being made to the Court./In addition to the fos for any breaches of OFT and CCA codes. This includes breaches as a result of initiating a Country Court claim where failing to provide or produce documents make litigation improper..

Specifically this relates to one or any number of the following;

* demand any payment on the account, nor am I obliged to offer any payment to you.

* add any further interest or charges to the account.

* pass/sell the account or outstanding balance to any third party.

* register any information in respect of the account with any of the credit reference agencies.

* issue a default notice related to the account.

Furthermore, I reserve my right to make a copy of this letter available for inspection to the Court and Financial/Consumer regulators should you fail to comply with this request.

I await your response, and should you need further clarification on any of the above points, then I suggest that you direct them to your legal department.

Yours Faithfully/Sincerely

......................... . (not to be signed) Print name

Dated..........

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Wow! Cheers for that! Hope that will hopefully put a bee in their smarmy bonnet!!!

Will certainly keep them busy, will probably take a week or 2 for them to figure out what it menas!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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Hi LTP

 

Make sure you change "Country Court" ......to " County Court " (para 10) ....... :D

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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Thanks chaps this is the rather lovely letter for you to ponder over can you let me know what you think please?

 

http://i980.photobucket.com/albums/ae289/tuvelpit69/dgsolic.jpg

 

Thanks for all your help so far!! It is really appreciated...

 

Hmm payment by credit card :-( (a no no according to OFT debt guidelines, as asking you to take out further lending to pay off a debt)

 

S.

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Hmmm i did think that? So what's my next move? Send off the letters on the previous page?

 

They're sending these letters out to everybody it seems bilious .... like confetti ...... full of "we mays" & " it coulds" ............. just huffing and puffing ....... however , if you send a CPR letter (as per #115) , IMHO you're calling their bluff and saying .... if you think you've got evidence .... you have to show it to me ...... or it won't stand up in court ..

 

Bet they back off for a bit ........ :)

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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