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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway 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
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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CC v HSBC


cbrundle
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Hi guys pleased to say that I am doing this on behalf of the In-Laws.

 

right then a question if I may (I have searched the FAQs but couldn't find the answer!).

 

The statements were requested back in June, so obviously the statement dates are from June 2000 - June 2006, are we allowed to claim from then or should the claim be from November 2000 - November 2006?

 

The total is for £3060ish

 

that's it for now!

 

wish them luck

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

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thanks for the reply Sarah.

 

Here goes :)

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

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Share on other sites

another question if i may.

 

I have just found out that CC has a loan with HSBC for £20k with 7 years remaining, I appreciate they can close your account but they surely can't close down the loan and make you repay that straight away can they?

 

he doesn't mind them closing down his account and making him pay off his £400 overdraft, just worried that they will make him sort out the loan.

 

many thanks

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

anyone?

 

just need this last bit of info, before the prelim gets sent off.

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

hi cbrundle - the bank can't force early repayment of the loan because you are taking action to recover your charges. Its not the same as an overdraft which is repayable on demand. As long as CC sticks to the repayments they have no grounds for overturning the loan agreement.

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hi bong thanks very much for the reassurance!

 

i didn't think they'd be able to enforce such a thing, many thanks :)

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

  • 3 months later...

offer received and will be rejected

 

updated as per sig :)

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

can anyone tell me if the address for the bank I use on the MCOL is:

 

HSBC BANK PLC

8 CANADA SQUARE

LONDON

E14 5HQ

 

is this the correct address for the defendant?

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

cheers Netty

 

MCOL filed on 09/03/07

 

HSBC have acknowledged on 14/03/07

 

so is there anything I need to do now? or do i just sit it out?

 

do I send them the court bundle yet?

 

damn just realised am I'm supposed send an upated charges WITH interest letter to the bank as well?

 

if so would it be ok to send them something like this:

 

Further to my letter dated 03/03/07, please take note that a claim has been submitted to the courts for the full amount of £3,079.50 along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act (£626.04).

 

The interest in addition to the amount in charges equates to the total amount of my claim, namely £3705.54.

 

This claim was submitted on 09/03/07 (Case No: XXXXXXXX).

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

Your letter looks fine. You don't need to do anything else yet (your court bundle is a few steps down the road yet) The next thing is that you may get an offer or HSBC will defend. You will then be sent an AQ form to fill in so this is your next port of call for learning what to do next. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

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Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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  • 4 weeks later...

edit forgot to say thanks to givememymoney :)

 

right anyone help me out again?

 

they acknowledged on the 14th March, they got given 28 days which expired yesterday 11th April (if it's 28 days and not 28 WORKING days???).

 

the BANK have offered again 6 days ago for £3400, saying they don't agree with the first 4 items (these date back between june 06-dec 06) as we requested the statements back in june but only got round to starting the claim until Jan.

 

i thought the offer would've come from the solicitors, we have had no contact from them except for the details on the back of the acknowledgement, and it seems the bank have offered this new amount in response to my letter above.

 

so we're kind of unsure what to do?

do we ask for judgement as no defence has been put in (28 days is up), if so how long does it take, or can they extend it at this late stage?

 

many thanks

 

Chris

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

anyone?

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

hiya, sounds like the bank are responding to previous correspondence. as you have already filed your claim with the courts and incurred further costs, you may wish to write to them explaining this. you'll receive paperwork from the courts soon (notice of acknowledgement) and this will probably state that hsbc intend to defend. then another 28 day wait i'm afraid until they do so. i'll send a link for rejecting offers. hope this helps.

 

Rejecting Offers

If i've been helpful in any way....then tip my scales over there!

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cheers Netty, we've had the acknowledgement but nothing else at all from solicitors???

 

it's just a bit wierd that DG have acknowledged the claim, got given 28 days to do something, but have done nothing, then a week ago we got a 2nd offer from the BANK & not from the solicitors

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

you won't receive anything from the solicitors yet. did you send your breakdown of charges to the court (2 copies) and 1 to dg? if not, do that now, with a covering letter asking for them to be filed with your claim.

 

after a couple of days, ring dg and ask if they have received them.

 

DG Solicitors

12 Calthorpe Road

Edgbaston

Birmingham

B15 1QZ

0121 455 2111 (Debbie)

0121 455 2701 (Rachel)

0121 455 2196 (Kate)

0121 455 2206 (Alan)

Fax 0121 455 2150

0121 455 2111 (Debbie) [email protected]

0121 455 2701 (Rachel) [email protected]

0121 455 2196 (Kate) [email protected]

0121 455 2206 (Alan) [email protected]

Julie [email protected]

If i've been helpful in any way....then tip my scales over there!

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yep I faxed over all the charges to the solicitors as well as sent it via recorded delivery to them as well on 29/03 and was received.

 

edit just checked MCOL and it is now stating defence.

 

so no doubt we'll get the AQ through, etc.

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

DOUBLE EDIT

 

just realised royal mail have not delivered my SOC to the courts, so will send them in another copy today.

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

thanks very much for the help, my father-in-law is a bit gutted cos he's been trying to get through to HSBC for about a week trying to accept their offer of £3400 out of £3800 cos he needed the cash sooner rather than later.

 

now he's worried he won't be able to accept the offer even though he has until Tuesday next week to accept it according to their letter (10 working days to accept or they'll take it as him rejecting)

 

I've told him to try and wait if he can to get full amount, but he's worried something may go wrong (to be honest I am a bit too as this is the first claim, but I tell him everything's going to be fine! lol)

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

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Share on other sites

Did he not get a letter that he could return to accept the offer? You really don't need to worry about getting your full amount everyone who has hung in their to get it has succeeded including me :D

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/58533-givememymoney-hsbc.html

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Did he not get a letter that he could return to accept the offer? You really don't need to worry about getting your full amount everyone who has hung in their to get it has succeeded including me :D

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/58533-givememymoney-hsbc.html

 

thanks again (can't add to your rep, I "must spread out more reputation before giving anymore to you"! lol)

 

he got the letter, about 6 days ago and has been trying to phone them to discuss certain issues and to try and get them to write a cheque rather than straight into his account.

 

hasn't been able to get through, but the letter states he has 10 days from receipt (ends on Tuesday next week) but now the sols have filed defence online.

 

so the main question i suppose is, can he still accept this offer or is it now the long process of all the court malarky?

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

Link to post
Share on other sites

He can still accept the offer and write his own acceptance. This is what I did I wasn't happy with all the conditions in their letter so I wrote my own based on theirs and signed it saying that the money had to be paid within 7 days or no deal. ;)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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  • 2 weeks later...

cheers gmmm :)

 

decided to go to court in the end

 

received these in the post anyone know what we do next then?

 

courtnoticeyt8.th.jpg

 

does this mean we do or don't fillout an AQ?

 

courtdefenceph8.th.jpg

 

is their defence fine? in my particulars of claim I used the standard one in the templates section edited as per forum rules

 

I'll have another look tomorrow when I get more time, gotta leave in a min for home.

 

thanks in advanced

 

Chris

EH & SH v The Woolwich/Barclays

£3900 (+ £1500 interest)

offered received of £1000 - Rejected

MCOL filed 05/12/06 (messed up)

waiting on court

 

 

CC v HSBC

£3,628.94 FULL & FINAL SETTLEMENT!!! :)

 

BC v HALFIAX

£3841.27 FULL & FINAL SETTLEMENT!!! :)

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