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    • We received a copy of the completed Directions Questionnaire (N181) from the solicitors along with a draft copy of their directions. I am on a course today so can upload over the weekend if needed. By 4pm on 16th May both parties must each give standard disclosure of documents by way of list by category. By 4pm on 30th May any request for inspection or copies of docs must be made and compiled 14 days thereafter. I will provide more over the weekend.
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    • I told them that it was an accident and that I used the oyster card as my debit card was lost. However, they did an investigation and realised it was not a one off. I have told them how remorseful I feel and how a criminal conviction would result in expulsion from my degree but they still want to take me to court. I have received the court summons letter
    • 20 million quid on just the brokering fee for a crappy deal with the UK public hocked to pay more for PPE - which was probably useless with better and cheaper per item with no 20 million quid fee - available from alibaba Stinks of corruption to me.  
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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
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Sarah v HSBC Bank - ***SETTLED***


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sarah - don't let the nerves get to ya!!

 

you can reject the offers as many times as you like unless they are offering the full amount you are claiming! Assuming of course that they don't have a valid dispute for any part of your claim which they would have pointed out if they did I am sure. They are doing this to everyone, stand your ground! And get it paid on your terms - ie. without confidentiality if thats what you want.

 

Not so sure though about the latest charges. You can only try something along the lines of "please obtain your clients instructions to refund the latest set of charges at the same time, in order to avoid the unnecessary business and wasted court costs of having to go through this whole procedure again to get them back."

 

all the best

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Is there a template Bong for asking them to remove the Confidentiality? Ive not had an offer yet but when I do I want to shout it from the roof tops

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Is there a template Bong for asking them to remove the Confidentiality? Ive not had an offer yet but when I do I want to shout it from the roof tops

 

there isn't a template but when accepting the offer or negotiating for a full offer I'd write something like "Please note I will not sign any confidentiality agreement."

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sarah - don't let the nerves get to ya!!

 

you can reject the offers as many times as you like unless they are offering the full amount you are claiming! Assuming of course that they don't have a valid dispute for any part of your claim which they would have pointed out if they did I am sure. They are doing this to everyone, stand your ground! And get it paid on your terms - ie. without confidentiality if thats what you want.

 

Not so sure though about the latest charges. You can only try something along the lines of "please obtain your clients instructions to refund the latest set of charges at the same time, in order to avoid the unnecessary business and wasted court costs of having to go through this whole procedure again to get them back."

 

all the best

 

 

Hi Bong - good to hear from you again. Thanks for the response, I was hoping that it would be along those lines :D . I'll keep you posted.

 

Sarah x

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the Spreadsheets in the Templates section do it for you

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Hi Sarah

 

Can you let me know how you're getting on? Due to send my MCOL on Wed!!!I haven't heard a thing from HSBC re: both letters.:-| Trying to get my head around the interest calculation....arghhh!!!:confused:

 

Amanda

 

Hi Amanda - one message would have sufficed ;-) . Only kidding, sometimes PCs have a mind of their own!!

 

There is a spreadsheet in the template section that has two worksheets - one is the one that you fill in with the charges etc and this data is automatically linked to the other sheet that works out the 8% interest. It;s quite straightforward, but if you get stuck, PM me and I'll help you out.

 

Sarah x

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Hi Sarah

 

Thanks for the prompt reply.....yeah not sure what happened there, my printer has gone nuts too!!! OK just going through some threads and the templates, will be in touch if I get stuck.....which I probably will.....dumb blonde!!!;)

 

Amanda

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Hi Sarah

 

Thanks for the prompt reply.....yeah not sure what happened there, my printer has gone nuts too!!! OK just going through some threads and the templates, will be in touch if I get stuck.....which I probably will.....dumb blonde!!!;)

 

Amanda

 

LOL:D . It can be quite confusing with all the different letters, templates and other stuff. You will probably find that it will suddenly all fall into place!!

 

Have fun.

 

Sarah

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Hi....below is my draft response to DG Solicitors - how does it look??

 

Thank you for your letter dated 9th November 2006 in response to the above claim.

 

I respectfully request that you return to me all charges imposed on this account, totalling £1681.40, plus 8% interest per year as per S.69 of the County Courts Act 1984, plus Court costs. The total amount claimed is £2194.89.

 

I will accept the sum of £XXXX offered only as part settlement of the above Court Claim.

 

I would be grateful if you would also obtain your client’s instructions to refund the latest set of charges (£100 on the 5th October 2006 and £75 on the 4th November 2006, total £175) in order to avoid the unnecessary business and wasted Court costs of having to go through the whole procedure again to get them back

 

Thanks!!

 

SarahX

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Hi....below is my draft response to DG Solicitors - how does it look??

 

Thank you for your letter dated 9th November 2006 in response to the above claim.

 

In order to conclude this matter I require a cheque for £2,194.89, with no conditions attached. This is to include county court interest claimed and my court fees.

 

I will accept the sum of £XXXX offered only as part settlement of the above Court Claim.

 

I would be grateful if you would also obtain your client’s instructions to refund the latest set of charges (£100 on the 5th October 2006 and £75 on the 4th November 2006, total £175) in order to avoid the unnecessary business and further wasted Court costs of having to go through this whole procedure again.

 

Thanks!!

 

SarahX

 

Just my thoughts - you don't have to use it. I think it makes it sound a bit more authoritative.

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Hi sarah

 

Im just about to start my claim against HSBC, seeing how far you come really helps.

 

Just wondering if you could give me a hand with my claim, im not to sure how to work out the first amount of interest, not the 8% you can add on before it goes to court, but the interest i can claim from the start.

 

If you could relpy in my thread GiveMeMyCash vs HSBC or send me a PM, i would be most gratefull.

 

Good luck with the rest of your claim, nearly there!!

 

Jimmy

HSBC CLAIM

Won £1473

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Hi sarah

 

Im just about to start my claim against HSBC, seeing how far you come really helps.

 

Just wondering if you could give me a hand with my claim, im not to sure how to work out the first amount of interest, not the 8% you can add on before it goes to court, but the interest i can claim from the start.

 

If you could relpy in my thread GiveMeMyCash vs HSBC or send me a PM, i would be most gratefull.

 

Good luck with the rest of your claim, nearly there!!

 

Jimmy

 

Hi Jimmy,

 

I have replied to your thread.....

 

Kind regards

 

Sarah

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Hi All.

 

HSBC have now submitted a defence, despite making me an offer of settlement. I now have an Allocation Questionnaire to complete..... I am tempted to tick the box postponing the hearing for another month to sort this out - would this be advisable?? I will now bw another £100 out of pocket because of fees, I assume I will be able to claim this back??

Any other assistance would be gratefully received...

 

Many thanks.

 

Sarah

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Hi All.

 

HSBC have now submitted a defence, despite making me an offer of settlement. I now have an Allocation Questionnaire to complete..... I am tempted to tick the box postponing the hearing for another month to sort this out - would this be advisable?? I will now bw another £100 out of pocket because of fees, I assume I will be able to claim this back??

Any other assistance would be gratefully received...

 

Many thanks.

 

Sarah

 

Yes you can claim it back and tick no to postponing for a month. They have had plenty of time to settle do not give them anymore time.

Here is the link to complete the AQ.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

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Just to clarify - if they haven't responded with a new offer before you are due to send in the AQ then send it in - don't miss the deadline.

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Sarah you are i am sure aware there is a time limit to returning your AQ. when did you recieve it? I understand Bongs thought as it might save you the AQ fee however i would send the AQ straight away. Anything could happen so it is best in my opinion to submit the AQ.

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Hi guys,

 

Thanks for your replies, but now I'm confused!! Should I send it now or wait? I received it on Saturday and it has to be returned by the 5th December. I'm away from the 24th Nov and fly back on the 4th Dec, so the latest I'll be able to send it would be Saturday - should I hang on until then?? Just one other question, do I have to take it to the Court, or can I post it (recorded delivery)?

 

Thanks.

 

Sarah

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As you're going to be away from 24th there is no chance that you'll get a reply to your letter from DG by then, and so you will have to submit your AQ to the court before you go, unless you can hand deliver it on 4th or 5th.

 

If you submit it before you go, I would suggest you change your letter to say that you have submitted the allocation questionnaire and require the £100 allocation fee included in your refund. If the letter has already gone, send another one to state this.

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Hi Bong,

 

Thanks for that. I have already sent my letter, but I'll send another one. I'll get the letter and AQ done and sent recorded delivery on Friday. Should I let the court/HSBC know that I'll be away for a week in case they need to contact me?

 

Thanks.

 

Sarah

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