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    • That explains it then. MET's fantasy is that it's a pay car park.  You're only let off paying if you are a Starbucks customer which you can't be when Starbucks is closed.  'Cos otherwise lots of people would abuse the car park facilities on the far edge of the Stansted Airport area in the middle of nowhere to ... admire the bushes?  Look at the cloudy sky? The important thing is that we have around 140 cases for this site, and MET have only tried court seven times.  Even then, they had no intention of getting as far as a hearing, they were attempting to intimidate the motorists into paying, when the Caggers defended the cases MET discontinued.
    • She's an only child and he as a brother and sister. He has no will and we have done a check on this to find out if he had left one and nothing has come up. He has savings of around 28k His sister and brother are well off so 28k is nothing to them and aren't interested in his money. This just leaves my wife/his daughter. Would this still need to go to probate there is no estate e.g house or business to sell and the amount left in his bank is just small? When his wife died they just closed her bank account and moved her money across to his account and we just assumed that once my wife has handed in the death certificate and shown evidence of who she is the same would apply to her? We don't know yet the council have only just written to us today with a guide of what to do next.  
    • Did your FiL leave a Will and if so who is the Executor? Strictly speaking banks could refuse to take instructions until Probate is granted but In practice I would expect the bank to take instructions to cancel the DD if the Executor presents the death certificate and a certified copy of the Will
    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
    • Yes, I believe the Starbucks was closed at the time the car was parked there 
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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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