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    • (Almost) absolutely (to your first point) HB, and partial agreement with your second point.   It isn’t now low vaccination rate though, it is low vaccination rate in the immunocompromised (and the whole host of other pressures that come with sociopath-economic challenges in the developing world) . Virus mutation is expected for the coronaviridae. Add to that prolonged replication / shedding in the immunocompromised, increased risk of transmission in those environments (poorer housing / access to healthcare / lower vaccination rates / inability to self-isolate when unwell), and emergence of variants can be expected. (If you are in a marginalised group and living hand to mouth at best, when unwell you can’t self-isolate / stop doing whatever gives you some income, let alone arrange for food deliveries ……)   vaccines? Production in the developing world needed, as well as vaccines from the developed world. At what point should the focus switch from “vaccinate our population at most risk” to “vaccinate the developing world’s population at most risk” to protect OUR population (from the emergence of new variants that have greater escape from current vaccine).   Whilst travel bans appeal to those who want to blame “Johnny Foreigner”: a) Omicron is already here. b) “Punishing” South Africa (or anywhere with a robust sequencing / surveillance system!) is counter-productive. We don’t seem to learn the lessons of history (1918 H1N1 ‘Spanish Flu’ didn’t originate in Spain ……)
    • I wonder if this variant is anything to do with the low vaccine rate in southern Africa, leading to more mutation of the virus than in Europe.   I think the manufacturers should have released the formulation of their vaccines so that poorer countries could make their own, rather than waiting until rich countries had vaccines to spare.
    • That's a great speech, UB. Points well made.
    • very informative speech on migration by Lord Kerr in House of Lords.    
    • Hi I haven't signed anything I did it on line .  It's a biasi combe  boiler  it's about 8 to 9 years old .  I'm looking in to buying  the parts and getting it fixed but I need to wait to get my pips but then I need to pay Bill's and what's left see about the parts .I'm looking in to getting a grant /loan .. As your repair has cancelled the policy . What it would cost me to argue with them then they turn round and say still not fixing it . As they done excuse after excuse  If you look at there bad reviews   you see they done this load and loads Times  it's all the same BS they say to ppl and I dont have any paper work which shows me terms and conditions so they can make up the crap as they go along  Like one excuse I only have £400 cover . Yet on the policy when I joined  !! We cant fix it we replace it !!   One the questions was how old is your boiler  answered 8 to 9 years   excuse it too old   the boiler is still for sale in B&Q now same model   £1.100  they just cheap knock off  if they can fix your boiler for less than £50 but you pay them £700 over 3 years then there in profit  so cheap repairs they will do expensive ones   uneconomical to repair we not fixing it .terms and conditions.....
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Clare vs HSBC for £4,900- ** WON **


Clare1981
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Thanks Mike, I hope everything goes smoothly for you too! When did you get your offer and when did you fax it back? Your prob right about being in the same boat. When I rang she said 'the requests for payments' were being sent over that afternoon and she would put mine at the top of the pile so guess their were quite a few being sent over, chances are yours was in the same pile!! xxxxx

[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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i sent the fax baxk on the 27th, but i dont think anyone it bacn till the 3dr now anyway, so will call then and see what happens.

HSBC Prelim letter sent 3/10/06 1st class recorded, a BIT scared!

HSBC LBA letter sent 18/10/06 1st class recorded. Bit more scared now!

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Think the bloke said they were back on the 2nd, not that a day would make much difference! I bet yours was in the same pile as mine, they prob wait till they've got at least a few then they send them to the bank.

 

Mine was sent back on the Friday the 22nd and then came the weekend, xmas and boxing day so would have been no different to sending it on the 27th to be honest!!

 

Anyway, Im hoping for Tuesday or Wednesday so good luck for then!

[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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This is amazing !!

 

I have been considering doing this for a while, but your story has completely inspired me to get started.

 

My only concern is they will try to close my bank account, any advice ?

 

Thanks

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and, so we can all jump in and help you along the way, perhaps start your own thread. that way, you can keep track of what you've done, like a diary and we will know where to find you when you need us.

first and foremost read the faqs and step by step instructions until you are very familiar with them. they will guide your every step: Newcomer? Here's A User Guide

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Think the bloke said they were back on the 2nd, not that a day would make much difference! I bet yours was in the same pile as mine, they prob wait till they've got at least a few then they send them to the bank.

 

Mine was sent back on the Friday the 22nd and then came the weekend, xmas and boxing day so would have been no different to sending it on the 27th to be honest!!

 

Anyway, Im hoping for Tuesday or Wednesday so good luck for then!

 

You are on EXACTLY the same time frame as me then. mine was sent 22nd and delivered 27th. I am desperate for my money, you tried calling them? i can never get hold of anyone!

23rd oct - sent data protection letter to halifax

08th jan - mcol issued.

13th jan - halifax served.

29th jan - halifax acknowledged claim.

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No money today either... if its not there by tomorow ill be ringing the bank!

[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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Just rang HSBC, she said there were no 'pending' payments going into my account at the moment but the system can still update... this is unnbearable now... I NEED that money, I cannot go another day without a car!! LOL

 

If I want to speak to someone at HSBC regarding the payment who should I phone?!!

[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 It's Kathryn again, I have just read your reply, the court paperwork says that they put in their defence on the 28th November although it only appeared on line on the 28th December, the post was not there this morning when I left so I have got my fingers crossed that something will be there when I get home, like you I am really impatient, I could really do with this money at the moment. Do I need to send tham a copy of my statement of charges, will this help?

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Money in the bank today!! Wooo hooo!! New car here I come!!!!!! :D

 

Kathryn, hang tight, your soooo close now!! have you already sent DG the breakdown of charges? Im not sure how it works with the courts as I never got further than them entering a defence! But I think ive heard of people sending the BOC to the courts, hopefully someone else can answer this? Good luck for todays post!! xx

[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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clare, i'm so glad you finally got your money - had visions of you walking or bussing everywhere with kids in tow and all. now, spend wisely girl and buy that cute kid a little treat! got there in the end.....a bit of a rocky road at times but you are there now. have a very healthy, happy 2007!

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WELL DONE YOU!! i faxed back my acceptance on the 27th, so hopefully i might get mine soon too. How long did it take for u?

HSBC Prelim letter sent 3/10/06 1st class recorded, a BIT scared!

HSBC LBA letter sent 18/10/06 1st class recorded. Bit more scared now!

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that's why a lot of people want a cheque, so they can determine where it goes. i don't think they would call in the overdraft - not without notice - but it might be a good idea to get it down to a manageable level or else you might find yourself in the same boat again?! hope it comes tomorrow.

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Thanks Lats! The treat is that we now have a car and get to go out!! Woo hoo!!! ;)

 

Thank you EVERYONE for your help and support (and laughs!) Esp Lats and Steve who sadly isnt here to accept my huge thank you's!!

 

And good luck all!! Ill be around to see how your going!! xxx

[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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Sorry boxxer, mine took from the 22nd so wont be long for you now I doubt!! xx

[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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This my first post, and well done.

 

Started on the long road to get my money back about 2 weeks ago. Don't know what im gonna claim for yet because im still waiting for the 2nd batch of staments covering the first 3 years of the 6 that you can claim for. But im guessing the total amount will around £1000. Is it worth it?

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Yes definitely do it!! On top of your charges when you get to the court claim bit you can add 8% interest, it all adds up! You may be surprised to see how much your charges total, I was looking at about 3 grand and it was over 5 in the end!

[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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