Your responses are still not running with the claimants particulars paragraphs.
4.The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.
Your response :-
4. Paragraph 4 is noted although I have no record of ever receiving a Default Notice or Notice of intention to serve a Default Notice in this matter.
Great! I will be sending this on Saturday via 'signed for' postage.
One question I would love to know the answer to, though, is if the FOS do agree with me that HSBC are withholding my info, what can they do about it?
Almost spot on LTB
I have tweaked your 1 slightly...you may of had a contractual relationship in the past.
I have added after your intro re Pre Action Protocol....as you stated you never received a pack.
I have added you a new point 3 as you failed to refute the Notice of Assignment.
And Finally I have added you a new point 6.
All addition marked in Blue
You are a long way from getting a judgement, they may never even take you to court. Highly likely if it's defended, you will win anyway. Even in a worst case scenario, and you lost, a judge would look at your finances, and you would be able to get an affordable payment set by the court.
The Abu Dhabi Bank or Moriarty it's tough on them would have zero say in it. The chance of ever seeing bailiffs is about as high as me buying a new Rolls Royce. That's why it is illogical to be worrying about this.
Thank you so much for being so kind.
Are we saying then that they will more than likely go for a judgement?
This particular debt is approximately 13k. The other one looming over me that I have not yet recieved a PAP for is approx 32k. The reality is that in my financial position bankruptcy will be my only option @Andyorch
It seems that bankruptcy and international debt is a bit of a grey area. I have found/been given conflicting advice. Some seem to say it would protect me from judgements on these UAE debts and others that they could not be included unless a UK judgement has been made against me.
Whilst I really do not have any assets for anyone to come against I have small children, one of whom is autistic and I am petrified of the idea of baliffs coming to the door....
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!