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    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
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HSBC v Pipster - Court Tomorrow!! *****Discontinued*****


Pipster2797
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You would also be charging them for the cost of the application for putting it to the courts !!

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Didn't want to put too much on the forum but I have spoke to DG sols.

 

They wanted to haggle on my costs of £681.20. Offered me £196. Basically said get stuffed. I offered to reduce the amount down to £550 on the condition that she had an answer back for me by 3pm and this was resolved today, failing that the amount i wanted for costs would be £681.20. Just rang her back and she said she would be writing to me today or tomorrow. Simply put it to her that this wasn't the condition and that I would be putting my costs to the court now for £681.20.

 

So next step is putting my costs in to the court.

 

She tried to go over old ground during the call and said that I have to realise that there is a debt outstanding here. I just simply said "no there wasn't, nothing was ever signed for". At that point I stopped her dead in her tracks and said we are talking about costs and lets leave it at that!!

 

Spot on. These costs have absolutely nothing to do with any alleged debt –*for her to suggest otherwise is grossly misleading. If she is a solicitor, that is a breach of their code, to misrepresent the true legal situation.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?138357-HSBC-CCA-received-what-next/page7

 

Hi Pipster, if you are not still busy celebrating, could you please spare a few moments and look in on sam on the above link..

 

HSBC issued the claim in 2008 and have made an application (hearing on 26th of this month) to lift the stay. I think Sam could do with a bit of moral support.. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

Well done Pipster, directed here by CitizenB.

 

Currently having some fun and games with HSBC myself here: http://www.consumeractiongroup.co.uk/forum/showthread.php?312177-HSBC-no-CCA Would it be ok to contact you in the future if needed? HSBC have admitted from the off they have no CCA so a little different to yours.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer 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.:)

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Well done Pipster, directed here by CitizenB.

 

Currently having some fun and games with HSBC myself here: http://www.consumeractiongroup.co.uk/forum/showthread.php?312177-HSBC-no-CCA Would it be ok to contact you in the future if needed? HSBC have admitted from the off they have no CCA so a little different to yours.

 

Yeah course you can

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  • 1 month later...

Hi everyone..............Sorry for the lack of updates.

 

my health has took a turn for the worse and Ive been quite ill with Arthritis of the spine and knees. Had a feeling I had it for about a year ago because of other problems but had it confirmed in January because of flare ups that have been happening since October.

 

with regards to the costs its something that has took a backburner due to the problems I have had. Been in quite severe pain and currently off work at the moment and basically had bigger things to worry about. My main aim was to defeat them and I have. I did want costs after everything they had done but as I say other things have happened.

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