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    • I've received no response from Lord.   I've also received a letter in the post from the court stating that there will be a hearing on 12th October to set aside this statutory demand.    Why is this going to a hearing? I find it  ridiculous that I have to do so much work to make this malicious order go away.   What is going to happen here? What do I need to do? Is it possible that I can lose this?
    • I posted here in March to see if 25 years, or when I turned 50, was when my SLC student loan (taken out 1997) was written off, and it was confirmed to me then.   However, I did some googling about it and now they say loans from my time are written off after 30 years, as in (I assume) a change in government policy.   Is this true or not? I tried contacting Erudio, but no reply as yet.  
    • The elephant in Housing costs are Council Tax  and leasehold Service Charges.......
    • hi Andy how is that reading now. Can I post this on Mondays or does it have to be there on Monday just got home and my printer is now broken hear date 11/09/21.   In The county court AT XXXXX CLAIM NO: BETWEEN: XXXXXXXXXXXXXXXX Claimant - -and- XXXXXXXXXXXXXXXXX Defendant  WITNESS STATEMANT OF XXXXXXXXXX    I.XXXXXXXXX the defendant in this claim make the following statement believing it to be true will state as follows:-   1.It is admitted the defendant entering into a short term Pay Day Loan agreement for the sum of £400.00 plus 4 months interest totalling £600.48 from Moneyboat.co.uk.   2.It is denied that I defaulted on an “agreement”, as the Defendant has made a first payment of £150.13  towards the amount agreed to be repaid which was not been deducted or taken into consideration and the claimant continued to demand the full total amount from the agreement stated in #1. The claimant rejected email correspondence of a formal request for assistance during the ongoing Covid pandemic pursuant to the UK Government Legislation at which time I was placed on Furlough by my Employer and worried that it would be difficult to make a payment due to my financial situation.The claimant offered a confusing payment alternative that did not reflect the true status of my loan. exhibit 1    3. It is denied I failed to abide by the Terms and Conditions of the agreement as at no point did the claimant contact myself to offer assistance to make alternative payments to which I could repay.   4. It is admitted that the claimant was issued a CCA requestasking to supply me with a true copy of the alleged agreement they referred to. This is my right under their obligation to supply a copy of the agreement under the legislation contained within Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) in on the 25/11/2020   Namely to show how I entered into an agreement Show how the claimant quantified the amount claimed   a £1 postal order also attached to the CCA request to which the claimant informed me by email that the £1 postal order was then used as payment towards the loan amount. Exhibit 2   5.The Claimant has not served a Default Notice pursuant to sec87 of the CCA1974.   Need for default notice.   (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a) to terminate the agreement, or (b) to demand earlier payment of any sum   6. As per Civil Procedure Rule 16.5(4), the Claimant has failed to prove the allegation that the full correct amount of money is owed.   7. My defence stated that the claimant failed to serve notice and it is denied that the Claimant is entitled to the relief claimed or any relief entitled.   I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   Signed ……………….   Dated on the day ……………….   Thanks G
    • or   if thats from your useless solicitor ignore him. simply contact the sheriffs office yourself!! cost <£100.   Instruct us – The Sheriffs Office WWW.THESHERIFFSOFFICE.COM    
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traceyjsmith v HSBC ** WON **


traceyjsmith
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Hi there, I found your website today & have done lots of reading. I have now printed off the S.A.R letter & will post tomorrow to hsbc.

One question though, If eventually the bank offer the full amount how do you go about claiming the interest, as that can only be added when you file a court claim?

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If the bank offer the full amount before you file your moneyclaim then you can't claim the 8% interest. Once you have filed the claim the 8% interest becomes part of the claim and to settle you should insist they pay this too.

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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  • 2 weeks later...
  • 2 weeks later...

Hi Guys,

I have received my statements and calculated my fees and I am about to send my preliminary letter for repayment. It says that I need to include a schedule of charges, is this just a written list of dates and amounts and the wording on the statement?

 

All answers greatly received!

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yep, or a copy of the spreadsheet if you used it... you should really as it will calculate the interest for you.

 

Crusher :D

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Thanks for replying I have found the vampiress spreadsheets and filled one in but I can't get it to add the interest for me! Are these the best spreadsheets and if so how do you get it to calculate the interest for you? This is the bit I find really confusing, obviously I can calculate 8% of the total charges but I am really confused about the daily rate etc can you spread any light?

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Are you using the google ones?

The 8% appears on the following page, (tabs at bottom)

Anyway, the daily rate is for when you are adding on day by day when waiting for payout following court action.

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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  • 2 weeks later...

Hi Guys, I am about to send my LBA as have had no response to my prelim letter. If this gets no response (which I am assuming it won't) is it better to file at the court or online? And what do I do about adding court costs to my claim?

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tracey, the mcol is very simple and easy to use. spend a little time looking at the site and even open your account, and get as far along as the particulars - work on them to get them just right - look at others on this site, it's a very small space - but you only need to be very general in your claim. just play with it for the next little whicle and when your 14 days is up - you will be ready to pay the fee and submit. the fee becomes part of your claim at that point as does the 8%, so your claim at that point will have just gone up a good bit.

don't be surprised if you don't hear at all until you claim or possibly receive an offer from colin langdale just after you file your mcol. both are par for the course. just keep going - you are closer to your money with each passing day. as for your question - can only comment on mcol - very easy!

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  • 3 weeks later...

Hello!

 

Contact info here... you need the canada square one.

 

crusher

 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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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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Your biggest problem is that you have 5 threads for this claim please stick to one. Bong has given you the answer.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Good luck! 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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Moderated 4 threads merged ..please keep to the one thread when updating or asking questions as it is much easier if people can see at a glance what you have done so far before answering any questions you may have

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 3 weeks later...

Hi guys

the deadline for HSBC to enter a defence was yesterday, I phoned the court this morning and they have not entered one which is great I think?

The question I have is this, the clerk at the court said that I need to specify how I want the money collected i.e. send in the bailiff. Did anyone else have to do this & if so what did you put?

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