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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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HSBC have defended...!


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My partner has sent her mcol for £500 and had until Friday to win by default. She's just checked on the mcol website and hsbc have entered a defence...what happens now?

 

I sent my mcol which has just been acknowledged for £2440...waiting to hear from them...

 

bit worried now for my partner...

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you will now probably get a letter from dg asking for a list of charges from you then a week after that you will get an offer, maybe for half, refuse that then you will get another offer for the full amount.

oh the games we play!

x

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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Hows this for scary then chaps. DG is just a few doors away from my branch of HSBC :eek:

Wonder how much of my correspondence will get lost in the post!!?? Thank the lawd for recorded delivery - well the post office anyways lol

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

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from what I have read, everyones gets defended - they are trying to scare you into either giving up, or excepting there first offer.

they have just offered me half, and I would have excepted it but its gone too far now and I hae added interest :-D ..

 

All I got to do now s sit back and wait!

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if your friend claimed 3000 and got it straight away - he was either very, very lucky, not dealing with hsbc, months ago before they had refined the process or some other explanation. i'd say at least 2 months from beginning to end is a more realistic target.

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If you watched the money programme the other day, no banks have yet gone to court, instead they play the game, find out how serious you are, if you know what you are talking about, and at the last minute settle. I think it was HSBC who admitted that they settle on all claims, try the bbc website in the money section i think that quote is there. Keep going with your action, HSBC wont want to go to court and try explain their charges.

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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I can vouch for that as well - simply put, the banks reap approx £3 BILLION a year in charges - if you were them - would you RISK a landslide court case that meant a change in law that made it actually illegal for them to collect charges ) - ( I know it actually is) but it is down to customers to ASK for a refund at the moment with no definitive legislation applying !!!

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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so, you filed your mcol on the 13th, i think you will have your notice of issue by now or in the next day or day - that give the service date.

next a few days later you will receive a notice of acknowledgment, on page 2 they will have ticked their intention to defend in full the charges, that is where you will find dg's address and possibly a name. send them a copy of your breakdown of charges, including the 8% interest and court fee with a little cover note referencing your claim number. you should also send the court 3 copies of your breakdown referencing your claim number.

the sending of the breakdown to dg has in some cases reduced the waiting time by about 2 weeks - not always but it is worth a try rather than waiting for them to ask for them.

good luck, you are in the home stretch.

(they often settle much smaller claims at an early stage, like your partners')

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  • 3 weeks later...

update....

 

hi guys....nice to see partner's money in the bank for xmas...i've just had the letter from mcol saying that hsbc have defended and that I've got to fill in the questionnaire and send £100 by the 16th...I was going to leave it till as late as possible as don't have the £100 till then...or shall I borrow it?

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Hi

Just had notice that HSBC has filed a defence against my claim for £750 I have till 15th Jan to complete an allocation questionnaire sent by the court, do I fill in or wait?

Many Thanks

Phil

I went through Small Claims court rather than MCOL don't know if this makes a difference?

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Hi I have just been on MCOL and HSBC have decided to defend my claim. I must admit I was a bit worried until I read of the threads from others that have had the same reply. Can someone tell me how I get on the page to add my case to the court case list. Jim

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