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    • Yes, I understand that but I thought, given that's a strong point, they might decide to discontinue and it might not go any further. Not that I'm bothered about going to court, it's just that I don't get anything out of it if I do. I propose a new rule. If the defendant wins, the claimant should have to award the defendant the sum of costs they were seeking. Which in my case is £140 thank you very much. Then it would be worthwhile and they might think twice about pursuing through the courts, lol!    😃
    • The Tories election campaign is basically whatever the Daily Mail and Express write about as concerns of the 'British people'.  The latest speech by Sunak about sick note Britain is the latest. Perhaps there needs to be a discussion on the mental health crisis that is stopping a large number of people from working.  When people are having to wait for months for a Mental Health assessment and then a very long time for any therapy treatment, then that is not going to help. The problem with many politicians speeches is that they identify problems, but when it comes to solutions that are going to cost billions, plus take many years to put into place, they shy away from the practical actions that would be required. Instead they will come up with some slight tinkering actions at a cheaper cost, that won't make much difference.  There are probably  hundreds of thousands of disabled people who would like to work, but many employers won't offer them employment as they are not willing to make the reasonable adjustments to make it happen. If the Government pledged to support employers financially with the costs that would be incurred, then I am sure we would see many more disabled people in workplaces.
    • yeah the outstanding balance is correct as I was already in a payment plan with hmrc up till about a year ago when they suddenly stopped taking payments from my bank so me being naive I just left it assuming they would get back in contact to resume payments but instead I got this letter.. I am just glad it won’t show on my credit file as I have only just got it to excellent   
    • I've had a look on their site to see if there is a way to download photos, but haven't found anything. The best thing is to send them a SAR on Monday.  Invest in a 2nd class stamp and get a free Certificate of Posting from the post office. That way they will have to produce the original invoice, a windscreen ticket if it exists, photos, etc.  
    • So today I’ve recieved a letter from J&P after a long time this time with forms attached to respond back about how much I can repay etc and that if I do not respond within 30 days court proceedings will apply   I had wrote to NBD bank to inform them of my new address and to resolve this matter last month, but I haven’t had any confirmation or heard back from them. Should I write to them again?
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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bank charges


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hi just received letter this morning offering me 1010.00 from the HSBC that was the letter from the 4 sept since that i have sent MY LBA with interest on my LBA it was 1550.00 what should i do they say in brief in the cirunstances where you have a authorised payment which leads to your account going over a agreed overdraft limit we have to consider a payment and so on//if you claim for a refund proceeded to court we therefore beleive we would successfully resist any legal challenge to these fees and then gos on // the HSBCis prepered to make a payment to you of 1110.00 as a final settlement have to replay with in 7 days they have sent me a form to sign and send back . what should i do accept or not i sent my LBA on the 20 sept and due to do my ni form 4 oct regards veronica when i got the leter this morning they sent a booklet with some adresses in it hope the can be of use THE MANAGER //SERVICE QUALITY TEAM //HSBC BANK PLC //ARLINGTON BUSINESS CENTRE // MILLSHAW PARK LANE// LEEDS //LS11 0PP AND THE FINANCIAL OMBUDSMAN SERVICE //SOUTH QUAY PLAZA// LONDON E14 9SR REGARDS VERONICA

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thats a standard part-offer. just remember this, they dont want to give you your money back so they are saying this to make u take this money and run.

 

this is their standard response, i got one and hundreds of others get them too. they are lying about being confident they would win. they know they wont and that why they keep settling out of court.

 

If i were you i would keep going and stick to your timetable. you have told them they have 14 to repay in full or you will take them to court so if i were you i would stick to that. anything and everything else they say is just stalling tactics. once it goes to court you will get an extra 8% too.

 

Regardless of what they say in their letter suggesting you are a bad spender and they are doing you a favour by providing this "service" the fact is, they are unlawful charges and they have stolen your money. dont be guilted into thinking u dont deserve it. its yours!!!

 

good luck in whatever u decide!

xx

Kaz :)

 

 

HSBC

claiming £2749 (£3400 with court cost & 8%)

mcol acknowledge 25/09/06

DG requested breakdown 5/10/06

Breakdown sent to DG 12/10/06

 

Yes Car Credit/Direct Auto Finance

CCA request sent 18/10/06

 

Whilst my aim is to be helpful, its reasonable to assume I am not a professional and am (dare I say) not always right. Seek professional help if in doubt

:-D

 

:lol: If i have intentionally or accidently said something of relevance or use to you, please click the scales:lol:

 

"A bank is a place where they lend you an umbrella in fair weather and ask for it back when it begins to rain". - Robert Frost

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