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    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
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how to take legal action against hsbc?


noddy997
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I have already mentioned your case Durkin and they replied that yours was in the Scottish law and went to the High court or something along them lines.

 

Shall I reply to them saying I have mentioned to your clients previously that my ability to obtain a mortgage was ruined.

 

Also guys I dont have any "rejected" mortgage applications as it only comes up on the brokers' system that mortgage refused due to credit record, is that sufficient enough? I do have copies of the default on the credit file and without it as well.

 

Also these idiots have made further amateur errors in round 1 of the defence they submitted in the summer before I amended my particulars - such as saying I was above my overdraft limit which was £500 when it was £1000 actually (I have prove of this) and other bits and bobs too!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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By the way, they can make as many mistakes as they like and it will be accepted as mistakes, straight from a D.Js mouth to me

 

Surely if that is the case, I can get a legal rep and go into higher court.

 

I am 99% sure when someone wins a court case the losing party pays for the costs. So if I do get a legal rep HSBC will be paying for the costs, am I right in saying this?

 

But obviously I will have to pay my legal rep money and it would be claimed back from HSBC?

 

I am goiing to ponder over night and write a letter back tommorow.

 

They took 29 days to reply to my letter!

 

Also I haven't heard anything back from Ken Clarke! :(

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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So if I do get a legal rep HSBC will be paying for the costs, am I right in saying this?

 

But obviously I will have to pay my legal rep money and it would be claimed back from HSBC?

 

 

Main problem with this, that the solicitors may not tell you at the start, is that it's unlikely, (due to some dodgy quirk in the law itself!) that you'll get all your expenses back.

 

Yes, you'll usually need to pay up front and because the bank would certainly drag things out, your own solicitor could end up bleeding you dry!

 

An own goal.

 

Personally, I'd avoid it. If you do go for it, make a minute of amendment for the full £8K.

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I have already mentioned your case Durkin and they replied that yours was in the Scottish law

Consumer credit act is UK law. London is in the UK.

 

Shall I reply to them saying I have mentioned to your clients previously that my ability to obtain a mortgage was ruined.

 

Also guys I dont have any "rejected" mortgage applications as it only comes up on the brokers' system that mortgage refused due to credit record, is that sufficient enough? I do have copies of the default on the credit file and without it as well.

 

You may have their admission that the default shouldn't be there or a standard letter recognising that defaults "cause difficulty in obtaining a mortgage"?

 

Anything along those lines is all that you need.

 

Also these idiots have made further amateur errors in round 1 of the defence they submitted in the summer before I amended my particulars - such as saying I was above my overdraft limit which was £500 when it was £1000 actually (I have prove of this) and other bits and bobs too!

 

I'd avoid mentioning this. It may make the judges brain hurt and take it off topic. Don't fall into their trap. Keep it (very) simple.

 

Richard.

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sted by noddy997

Also these idiots have made further amateur errors in round 1 of the defence they submitted in the summer before I amended my particulars - such as saying I was above my overdraft limit which was £500 when it was £1000 actually (I have prove of this) and other bits and bobs too!

 

Must be a template letter again used by them, the bells are ringing regarding the mentioned limits.

:mad2::-x:jaw::sad:
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Ken Clarke wrote to me today saying it isn't a political matter and cannot be my legal rep (when didnt ask him to do this)

 

@ Durkin Your right about the fees.

 

@ Mike what do you mean?

 

I still haven't heard back from the court and if I dont by this Friday I will write another letter and go into the court and first ask them why have I not received a reply for the previous letter which was handed into the court 2 weeks ago this Friday.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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I am stil to reply to DG, and havnt heard anything from the court still!

 

I think I will write another letter to the court and go hand it in tommorow and ask them as well whats happened so far.

 

Not looking good :(

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Hi Noddy,

 

Your evidence is the letter admitting fault and the copy of credit file stating the default. That is enough. It proves that your creditworthiness has been damaged. It's like a form of defamation.

 

Hopefully you'll still see Ken Clarke and educate him. As an ex justice minister he should know that it's the politicians who make the law.

 

The bankers are taking advantage of poor legislation because the politicians are refusing to improve it in favour of the consumer (despite their constituents wishes)

 

When this gets in front of the judge you'll win. Corruption will be the only thing that can prevent this.

 

I hope you get good feedback from the court soon. This whole process should only have taken 4 weeks.

 

I know in Scotland, corruption has reached the highest level but I think there are still a few good judges in England.

 

Stick at it but take a breather every so often to help reduce the stress levels

 

Richard.

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Ok, good news guys. The court wrote to me and basically said the letter from the defendants stated on the order from Northampton CC didnt specify dates and when the Claimant issued the amended particulars it wasn't put in the District Judges file/tray. After I wrote to the Judge he has ordered that:

 

1) The order of 11 October 2012 to be discharged (where HSBC was given til the end of Nov!)

2) Defendants to submited amended defence if needs be ny 16th Nov

3) Court to send out allocation questionnaires to both parties.

 

Now, I have received mine and they say its a £220 fee?!! Im sure Northampton CC wasnt that much?!

 

Also at number 2) above I have received a "notice of dence has been filed" and it says (copy attached) "you have already been sent a copy of a defence received from the defendants in this claims, the time for all the defendants to file their defences has now elapsed and I am enclosing an allocation questionnaire for you to complete, no further defences have been received".

 

Wont this be a loophole for HSBC? As on the order it says deadline for defence is 16th Nov?!

 

Also, I would need some help on the allocation quesstionnaire seems a bit tricky!

 

When can I submit my side to the court? And what is it called? Prosecution?! LOL :oops:

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Can someone find me the full case of Kpohraror v Woolwich Building Society please? As on Durkin's case Kpohraror is referred to and apparently the Judge said Lord Justice Evans said at page 124 "The credit rating of individuals is as important for their personal transactions, including mortgages and hire purchase as well as banking facilities, as it is for those who are engaged in trade, and it is notorious that central registers are now kept. I would have no hesitation in holding that what is in effect a presumption of some damage arises in every case in so far as this is a presumption of fact."

I think that would be good to mention in the reply to DG.

Durkin was you awarded for general damage as well?

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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I'm unfamiliar with an allocation questionaire. Hopefully someone else can clue you up on that.

 

WOW. So they admit that the judge heard evidence only from the defenders and without your knowledge. Pretty fishy.

 

It seems that the result is this AQ (I've no idea but perhaps it's a method for deciding on whether the case goes to a higher court? If so, that's a fairly lazy/dodgy judge you're dealing with as he should just have ruled in your favour without making you jump through this next "hoop".)

 

Sorry, I can't help much now. Ask the court though about the process and find out why you weren't invited to attend the original hearing. (Someone at the court knew what was going on but failed to inform you, seemingly).

 

£220 is enough to put many people off. Make sure you speak to Ken Clarke and find out what the hell is going on. (Check if the AQ is compulsory for example? - I've no idea). If you do end up paying this, make sure, obviously, that it will be reimbursed

 

Yes, the Aberdeen sheriff awarded me £8K just for general damages. The Supreme Court is expected to confirm this next year.

 

Googling Kpohraror v Woolwich should give you what you want.

 

Good luck. If I were you now, I'd be keen to find out more about "the process". It certainly seems different to what I've experienced here in Scotland.

 

Richard.

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The AQ simply means its proceeding and allocates the matter to track.The fee is subject to the amount claimed (sliding scale) I assume you have the N149 Noddy?

 

Regards

 

Andy

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No what I think they are doing is using the same defence which they did file to me in August/July before I amended my particulars.

 

No aq is procedure as there was one when I initally submitted my first particulars however this was waived as I was amending my particulars and Northampton CC said you would have to redo the aq if your particulars are approved and if they arent you still have to complete the aq for your first particulars.

 

But I am pretty sure it wasnt £220 the first time I am going to have to fiddle through some papers ring Northmampton (they might not want to speak to me but I will just ask the cost of aq) and visit Nottingham CC tommorow too.

 

Ken Clarke isn't willing to help me... so bit pointless going to him lol.

 

I cant seem to find the full case of Kpohraror v Woolwich - I think I am going to use it out of your case mate.

 

It is the final letter to DG probably anyway and I will tell them if I dont get a reply before 13/11/12 reconsidering the £5000 then oh well!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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The AQ simply means its proceeding and allocates the matter to track.The fee is subject to the amount claimed (sliding scale) I assume you have the N149 Noddy?

 

Regards

 

Andy

 

Noo... Whats this?!

 

Edit: Yes I do have the aq the court sent it me with the order/letters today.

 

Surely there mus tbe some sort of legal "bank" where you can find cases and case law etc as when I refered both cases they seem to have gone through and made up some crap and replied to me.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Yes Noddy I see you have the AQ I was checking which one you had recieved (N149) SCT and not the N150.

We could do with some help from you.

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Yes Nodded I see you have the AQ I was checking which one you had recieved (N149) SCT and not the N150.

 

Its the N150!! I just double checked!!

 

Am I screwed?! Just checked its the N149 for small claims track... N150 = normal?!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Its the N150!! I just double checked!!

 

Am I screwed?! Just checked its the N149 for small claims track... N150 = normal?!

 

It may be Fast Track for its complexities..hence the N150...be careful of Costs.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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