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    • Good evening folks, i have my hearing tomorrow at 3pm. I have never been to court for a civil matter, what is likely to happen  and what do i need to do?  I plan on going straight from work, i finish at 2pm, it will take about half an hour to get there, does that sound ok? I called the court late this afternoon, sadly i was too late in the day and the office was closed.  
    • This is kind of related but does anyone know since I have this ban from entering UAE because of my loan, can I visit Qatar? 
    • Thank you for that i thought id just ask as i was unsure.  Just hope its returned to me and doesnt spend the rest of its life going back and forth to Singapore  
    • Thanks @lolerz. I've attached it to the post. What do you think? What's the organ grinder? NTK.pdf
    • I'm afraid that if the value of the item was under declared then that is probably the best that you can hope for. Also, because the item was incorrectly addressed – even by a single letter, if that because the issue relating to the delivery then that has probably compounded the problem. There is probably very little that can be done. If you are lucky you will get the item back and then you can start again and declare it properly. Undervaluing parcels which are sent by any means is always going to cause a problem if the item is lost or damaged. It may mean that the cost of delivery is slightly less – but at the end of the day the risk becomes yours. When you enter into any kind of contract, effectively you declare it a level of risk to your contracting partner – and they decide to enter into the contract with you based on that level of risk. You have declared a level of risk and £50 – and that's the deal.   Additionally, undervaluing an item which is an internationally has the effect also of evading customs and any VAT system which is in force in that country – and that makes the whole thing a little bit more serious
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Clare vs HSBC for £4,900- ** WON **


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Sure is!! Full offer recieved today!! £4957!!!

 

Yayyyyyyy!!!! :D :D

[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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WOO HOOOOO

 

Clare baby - you HAVE got it, told you, told you, told you

 

:D :D :D :D

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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I have read your post with interest, I have not come across many with large claims so close to the £5k threshold for small claims. I am about to start a claim for £4159 or £4984.85 with statutory interest - so your story has really spurred me on.

 

Well done

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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Hi Catherine,

 

Yep, go for it with confidence, you WILL get it back, typically it takes around 2 months from start to finish !!

 

Just bear in mind, if you think £5k is a lot, the UK banks reaped approx £3 BILLION in charges in 2005, so it really is a spit in the ocean !!

 

Have a great Christmas

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Im glad my story has spurred you on, definatley go for it ASAP!!

 

Thank you Lively lad!!

 

Mine took 4 week and 2 days from the MCOL, sent my first letter on the 6th of November with 14 days to pay up, no LBA sent so 6 + 2 days in total!

[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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YEP,

 

WELL DONE, and CONGRATULATIONS

xxXxx

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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and catherine - mine took 4 months - that was from first letter asking for statements to money in the bank. a lot of people think this is a quick fix - depends on your viewpoint i guess - but i think 4 months beginning to end is about the norm.

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I would be happy to wait as long as it takes if it means we can get our money back!

 

Clare - Have a VERY happy Xmas!!

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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Will do, thanks Catherine! And if you need any help or advice just PM me!! xxxxxxx Have a good one xxxxxxxxxxx

[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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And so say ALL of US !!!

 

xxxx

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Awww thanks guys, your the best xxxxxxxxx :D

[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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Hi Claire,

 

I've gone back and read your first posts again and note that you did not send an LBA. Im also considering skipping this, and just giving them 14 days from letter 1 before issuing proceedings. I spoke to HSBC today who basically said they have so many of these that I will not receive any acknowledgement or response to my letters.

 

My concern is that this issue is now getting so much publicity that something I'm sure will happen soon.

 

My only worry is that the not giving a further 14 days could go against me when is comes to court?

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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Go ahead and send the letter asap, the sooner you send it the quicker you can start your MCOL! Give them 14 days, that includes the date on the letter and any weekends (Im guessing bank holidays too)

 

But id definately skip the LBA, some people get a response from it but not usually the full amount!

[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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Guest Mumofthreeboys
My only worry is that the not giving a further 14 days could go against me when is comes to court?

 

You are right to worry. If you are the one that has to go to Court you won't be able to show you have given them 28 days. You also will have given no warning that you were going to sue.

 

LBA is exactly that - a letter BEFORE action - you will be going straight to action!

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I have seen template letters elsewhere, including on the BBC money programme site, that state you are giving 14 days to respond in the first letter otherwise you will take action against them with no further notice.

 

Surely as long as you stipulate in your first letter that you will be taking action after a given time scale it shouldn't matter if the timescale given is 7 days or 6 months? Or is there something stipulated somewhere that in complaints and claims of this nature, 28 days is deemed reasonable in the eyes of the law??

HSBC - Claiming £4159 19.12.06 requested statements 20.12.06 realised they are online!! 27.12.06 sent letter 1 recorded delivery 04.01.07 received standard acknowledgement

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The notice given is what would be deemed 'reasonible' by a court, the consumer credit act 1974 for instance stipulates 28 days minimum, the last thing that you would want, is that 'IF' you ended up in court opposite that 'nice' but very shrewd HSBC lawyer and the judge agreed with 'him' when saying you acted 'unreasonibly' by 'demanding' too little time to allow then to consider your claim properly !!

 

I know it's a pain playing the waiting game, but in my opinionit's simply not worth risking it!!

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Listen to Steve Catherine, hes very wise!! (And handsome too!!) Seriousy though, he knows alot more than I do, I only gave them 14 days and thinking back Im very lucky it didnt end up in court or this may have gone against me!

[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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Hi all!!

 

I have won my claim, signed and returned acceptance on Friday at 10am. just wondered how long it took other people to receive their money!! I didnt include a letter giving x amount of days neither did I ask for it to be put directly into my account (which is what we wanted) I rang Friday afternoon and left a message asking if they'd received the fax and also said that I would like the money to be paid directly into my account and asked how long this would take.... needless to say there was no call back!!

 

So what Im asking is how long was it for you and how many of you sent letter demanding the money with x amount of days?

 

Also those of you who didnt request a payment by cheque or payment into your account which did they end up doing?

[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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Hey Clare,

 

Your too kind, the cheque's in the post Babes :D

 

(not sure about the 'handsome' bit LOL :confused:

(looking on the web for an optician for Clare to go to) :D

Dec 2006 - Sucessfully recovered over £3k from HSBC with much help from CAG :-D

 

 

if you found this post helpful, please click my reputation, thank you

 

(The small print-my advice and opinions are my own, and are given freely and without predjudice or liability whatsoever)

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Ha ha ha!! My eyes are fine thank you very much!! Maybe you should get yours tested if you cant see that your devilishly handsome!! :)

 

Can someone tell me why my other 'thread' Won..... now how long till I get MY money?! Is on this page?!!

[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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