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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
    • Hi So on Friday I received a copy on email from the claimants solicitors with an attached relief from sanctions application - on the basis that the solicitor missed the deadline for the additional directions and it was an oversight on their part and that the claimant should therefore not suffer.   They then attached a copy of the deed of assignment and a new witness statement.  They stated that they would be happy to delay the court date by 28 days but that they believed both parties were ready for the court case on 7th June. My first question, is there anything I need to do or do I just sit and wait to see what is decided?  Secondly, is it likely the judge will be aware that the claimants solicitors did exactly the same in the set aside court case (ie they filed their court bundle late and applied for relief from sanctions on the morning of the court date, and my solicitors had no choice but to agree because they threatened to strike my case out because my solicitors had only filed their court bundle by email and not post).  This is a clear pattern of how these solicitors work rather than it being a one off oversight! 
    • I shall find the link later this evening. It was about couples not living together but being liable for council tax. I was never married or in an official civil partnership. We lived together for 18 months, I then left for 6 months for work but continued to pay my half of the bills and rent.   We then split up I gave up my tenancy she took it all in her name. She then decided to move in with me 5 months later. She then banned me from going back to my house eventually let me back in then called the police. Took over my house and is now only paying the rent not the bills so I will be landed with those to. So over the course of our relationship I have ended up paying her debts for 5 different addresses, personal loans and credit cards. If I refuse to pay them she makes more accusations.
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Amethyst1471 vs HSBC


amethyst1471
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Right, have now completed the charges spreadsheet (charges now total £1,760! I really am in shock)

 

Have just printed off my letter so....wish me luck!

 

Bring it on! lol!

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Hi! :)

 

Ooh, well done - where did you send your letter? I've put the address of the head of customer relations in London but wasn't sure if this was right? Did you send yours recorded?

 

L

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Hi! :)

 

Ooh, well done - where did you send your letter? I've put the address of the head of customer relations in London but wasn't sure if this was right? Did you send yours recorded?

 

L

 

Yep, I sent it to the same address - it's the HSBC head office in Canada Square. I also sent it recorded just to be sure it arrived safely - I thought that would be the prudent thing to do since it could be worth £1616!

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Yep, I sent it to the same address - it's the HSBC head office in Canada Square. I also sent it recorded just to be sure it arrived safely - I thought that would be the prudent thing to do since it could be worth £1616!

 

LOL! Definitely! Thank you!

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Hi there, I have sent my letter off today (charges = £2901 !) So I will keep you updated on how I get on. I sent mine recorded to the Canada Square address just to be sure. Keep us updated as to how you get on! Here's hoping for a lovely christmas prezzie!

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  • 2 weeks later...

Could someone answer a quick question for me please?

 

I've been reading through a few more posts today and now I'm worried! I sent off my prelim letter a week ago but, for the main, just used 'Total Charges' on my spreadsheet. Is this wrong? Should I have tried to break them down into exceeding overdraft etc?

 

Help!

 

Laura

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Using 'Total Charges' is fine - as long as they're dated so that the bank can reference them if required.

 

Thanks SD! Yes, they're all referenced with the correct dates etc. Phew!

 

One week and counting 'til my LBA! :D

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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'Total Charges' are different to other charges, and can be claimed for as well. Make sure you're not missing out on other charges, as 'Total Charges' are not the same thing as those others!

 

hth

Halifax: FULL REFUND

_________

Lloyds TSB: FULL REFUND

__________

HSBC Current Acct: FULL REFUND

__________

Capital One (three accounts); GE Money (Mothercare); GE Money (Burton):

Getting round to sending off first letters...!

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Hi Doryphor,

 

I'm pretty sure I haven't missed any (!) Mine seem to consist of returned DDs (£30) and then a Total Charge every month of £27.50 so this is how I've recorded them on the spreadsheet.

 

6 days and counting to LBA! :D

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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You seem to be at the same stage-ish as me. My LBA is being sent out on Thursday, if nothing heard. (It would be novel if I heard anything by the sounds of others' experiences!) I'm also amending my claim to include contractual compounded interest with the appropriate textual insertion explaining the amendment.

 

If you use mindzai's spreadsheet (from his signature) it calculates compounded interest once you input your own contractual interest. (15.9% or so for HSBC both auth and unauth od.)

 

If you use contractual interest, then the "fun" as folk say starts earlier, and a claim of £1011 becomes nearer £1900!

Halifax: FULL REFUND

_________

Lloyds TSB: FULL REFUND

__________

HSBC Current Acct: FULL REFUND

__________

Capital One (three accounts); GE Money (Mothercare); GE Money (Burton):

Getting round to sending off first letters...!

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  • 2 weeks later...

Right, I've heard absolutely nothing from HSBC so LBA went in the post today! 14 days and counting 'til MCOL :D

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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  • 3 weeks later...

Still nothing from HSBC, oh well! MCOL submitted today :)

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Ooh, bit of an update. Filed my MCOL 2 days ago (which has been acknowledged today) but this morning received a letter from Colin Langdale offering me £1,479 (am claiming £1,740 + 8% interest now)

 

Just a couple of questions:

 

1) As I've already filed my MCOL do I just ignore this letter? I have no intention of accepting his offer, am prepared to go to court if needed.

 

2) In his letter he says, "If your claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees." Is this just him trying to intimidate me or is he being serious?

 

Was stupidly excited to receive the letter though, thought they were just ignoring me! :D

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Ooh, bit of an update. Filed my MCOL 2 days ago (which has been acknowledged today) but this morning received a letter from Colin Langdale offering me £1,479 (am claiming £1,740 + 8% interest now)

 

Just a couple of questions:

 

1) As I've already filed my MCOL do I just ignore this letter? I have no intention of accepting his offer, am prepared to go to court if needed.

 

2) In his letter he says, "If your claim for a refund proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees." Is this just him trying to intimidate me or is he being serious?

 

Was stupidly excited to receive the letter though, thought they were just ignoring me! :D

 

Sorry to bounce but can anyone answer those questions for me?

 

Thanks!

 

Laura :)

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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  • 5 weeks later...

Just a quick update: HSBC filed the standard defence on Friday (3 days before I would have won by default :mad:) and I recevied a letter from DG on Saturday asking for a breakdown.

 

I'm just compiling a letter to them now to post off tomorrow enclosing a breakdown of my charges and reminding them that I have to file my AQ by 26th December so they'd better get a move on!

 

Just a quick question though - do I have to add into my letter the fact that they also owe me my £120 MCOL charge or does this go onto my breakdown?

 

TIA!

 

Laura :D

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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you are sending a cover letter with the breakdown so just put:

please note I will now require xxxx.xx for charges and interest as per my claim plus £120 for court costs making a total of: xxxx.xx. Upon receipt of this amount, I will halt my claim with the court.

you can put it on the breakdown if you like but they know what's up - put it in the letter and try to be firm but polite in your dealings with them.

still send it recorded. they seem to be doing a lot of this lately - where before you could count on an offer in the third week of the 28 days - now, i've read several where they don't even ask for a breakdown before the defense is filed. but, take heart, we are still seeing them settled before the aq has to be in in most cases. send your breakdown tomorrow and i'd say thurs or frid. call on the pretext of asking if they have received your breakdown. as the courts will obviously be closed 25 and 26, i think you need to check with the court to see if it needs to be in by the friday, the22 by close of office and that may even be earlier than normal - best check by calling the cust. serv. number on the mcol site and then tell dg in your letter - that due to the holidays you will need to file your aq, no later than thurs. 21st. fingers crossed for you. get that breakdown off asap.

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Thanks Lateralus, just sent letter recorded - will chase on Friday! :D

HSBC Prelim letter sent - 04.10.2006 - £1,740

HSBC LBA Sent - 23.10.2006

HSBC MCOL submitted - 08.11.2006

HSBC Breakdown sent to DG - 10.12.2006

A&L Credit Card S.A.R - (Subject Access Request) Sent - 23.10.2006

A&L Credit Card Prelim letter sent - 10.12.2006 - £1,697.90

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Good luck!! :)

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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