Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

Sugaredhoney v HSBC


sugaredhoney
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6306 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

fool.co.uk ???

who might they be then...............

Welcome to the site.

To begin with grasp as much info as you can from the faqs and other threads.

All you need to start the process awaits you within the forums.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Hello Martin, thanks for your reply.

 

Fool.co.uk offer advice on anything financial, with similar discussion threads, great site!

 

Will get stuck in when i find where the best place to start is! Have just read the bigcol vs natwest (j/k i know its rbos!), very inspirational, any happy endings with hsbc?

 

I really need some kind of dummys guide to this, havnt got a clue!

 

Cheers,

 

Christy

Link to post
Share on other sites

Hi and welcome to the site,

:p

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

All the best in your claim!! :wink:

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

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

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

Link to post
Share on other sites

Hello Martin, thanks for your reply.

 

Fool.co.uk offer advice on anything financial, with similar discussion threads, great site!

 

Will get stuck in when i find where the best place to start is! Have just read the bigcol vs NatWest (j/k i know its rbos!), very inspirational, any happy endings with hsbc?

 

I really need some kind of dummys guide to this, havnt got a clue!

 

Cheers,

 

Christy

 

 

Christy you will soon pick things up don't worry.

A recent HSBC winner was HSBC claimer and his thread attracted almost 10,000 views have a look at it.

 

My first claim against HSBC - Settled

 

I know it can be a little puzzling in the early days so I am sorting you a thread out and posting it in HSBC for you.

There you can share progress and ask questions in the HSBC bank group and also get some ideas from the current claimers by following their progress too:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

welcome to the hsbc thread - i followed neil faulkner's case religiously when i was claiming back in august as he was on the same time line as i was. motley fool's site was very good reading.

but now you are here and lots of us have stuck around to help other's get there too.

just read the faqs and step by steps once, twice even three times then make your move. Newcomer? Here's A User Guide very well planned out and if you follow the system, barring anything way out of line - you will get your money back.

as for simplified stuff - i had no spreadsheet experience at all and i did it - so anyone can - when you get to that part - i'll post my very simplified instructions of how to do that part - laying out the charges and claiming for overdraft interest (versus the 8% interest you put on the claim when your file) sound daunting - it's not - just start with the step by steps and ask questions when you need to. good luck, good way to start the new year. (i'd point out the hsbc success thread but at the moment the top story is someone with a sour taste in his mouth - but go ahead and have a look at all the others:

HSBC, FD and HFC successes

Link to post
Share on other sites

Brilliant, firstly thanks for moving thread hopefully will easily get some responses now, and thank you all for your advice so far has all been taken on board :D Have been looking through guides and various success stories, first of all though,

 

1. do i send the letter to hsbc's registered add (canada sq)?

2.I have looked at how to work out overdraft interest but the whole thing still confuses me:confused: I worked out my charges come to just over £1500 for about 14 months worth (I take it I just say these charges have been incurred over the last 2 years).

 

Thanks in advance :D

 

Christy

Link to post
Share on other sites

christy, don't think it really matters, where, - some of us started with letters to the branch to begin with and others went straight to the head office, there is also a cust. serv. group in leeds who will probably be involved at some point - i think the initial letter is just as well going to your branch. they all get where they need to in the end - but as we always say - send everything registered post (costs £1 and you can check delivery on your computer).

as you have honey in your name - i will point you in the direction of my super simple instructions for the interest question - lots of confusion between the o/d interest which you can claim back from the start and the court interest which you only add when you are filing a claim. i wrote a lengthy piece and it involves how to conquer the spreadsheet if, like me, you aren't into this sort of thing - several people have used it successfully (sometimes the instructions are geared to people who know what they are doing already and i didn't - so i've written this little helper) you can find it on another honey's thread - it's post number 9. take a look, try it and get back if you have any questions, here's the link:HONEYGIE sees you HSBC! (multipage.gif1 2 3)

Link to post
Share on other sites

Thank you lateralus, sorry should have updated the post but was a little impatient to get this started so amended the prelim letter and sorted out the schedule of charges, all sent at midday to hsbc london via recorded delivery, would have updated this but by the time I finished last night it was well past my bedtime!

SO, prelim and schedule of charges sent today, LBA in two weeks time keep your fingers crossed for me and thanks for all your help again!

 

Christy x :D

Link to post
Share on other sites

I just put my basic charges in on the one i sent out, janquinny(sorry if wrong!) helped me with a spreasheet yesterday, and added interest in and then hid the columns so i can unhide them at a later stage, i think thats right?

x

Link to post
Share on other sites

hi sugar, just subscribing!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Great un1boy look foward to your posts!

 

Just a quick silly q, HSBC recieved today (checked recorded delivery online) after I delivered yesterday, do I send out the LBA 2 weeks after I sent it or 2 weeks after they received it? I've got on my calendar to send out the LBA on tues 16th or is this too early?

 

Thanks xx

Link to post
Share on other sites

hello sugaredhoney:) . i was advised by lateralus to stick to the timeline.. so, 16th it is for you. that is irregardless of when they received it.. if lba sent 16th then you get to file mcol on 30th. goodluck. and am subscribing too.. hpe you dont mind..

[FONT=Comic Sans MS][SIZE=1][COLOR=purple]S.A.R. sent 30 October-reply received 10 november[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]Prelim letter sent 28 november- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]LBA sent 13 december- no reply[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=purple]MCOL filed 30 december- issued 02/01/07[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]loveletter from colin received 02/01/07-saying will get in touch on feb 9[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]acknowledged claim on 4 jan- has until 1 feb to defend.[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]defence entered 31 jan 2007[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]offer received 1-2-2007... still waiting for the moolah though:cool: ...[/COLOR][/SIZE][/FONT] [FONT=Comic Sans MS][SIZE=1][COLOR=#800080]and moolah arrives 1-march 2007!!! Praise the Lord!!!![/COLOR][/SIZE][/FONT]

Link to post
Share on other sites

Lovely thanks michael&honeygie, course I don't mind appreciate watchers lol, 16th it is!Already excited and they've only just received prelim! Like others I'm not holding out for a response anytime soon but we shall see! Have many other people ever had phone calls from hsbc after prelim or lba? If so what did they say? I've had a couple of witheld numbers call (not from them so far but you never know for the future?) what did they say and what was the response?

 

Cheers x

Link to post
Share on other sites

Hi Sugar.

 

Make sure you stick to the timelines = so, get the lba ready to send for 30th!

 

I didn't get any calls from them at all during my claim. However, if I had done, I would have told them that I want all correspondence in writing and that I am not discussing anything regarding the claim over the phone (that way they can't back you into a corner and make you say things!).

 

Hope this helps!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Thanks un1boy, you've confused me now though! Do you mean lba=16th and mcol filed on the 30th?and thanks I'll remember that if they call :)

 

Sugar, I am very very sorry for confusing you - it's no excuse, but I am doing a million things at once.

 

you are correct tho - issue LBA 16th and MCOL 30th

 

My apologese again! :-/

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Sugar, I am very very sorry for confusing you - it's no excuse, but I am doing a million things at once.

 

you are correct tho - issue LBA 16th and MCOL 30th

 

My apologese again! :-/

 

Nooo don't be silly I just wanted to clarify thats all appreciate any posts even the slightly confusing ones hehe thanks for replying

Link to post
Share on other sites

Hehe, no probs! ;)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Well today I received a letter from the lovely colin langdale telling me they are investigating my charges and will contact me as soon as they have completed them (err no I think Ill just send my LBA on monday still I havnt got til 2010!)I received two of these aswell,

must be special eh!

Link to post
Share on other sites

Good on you - keep to YOUR timetable!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Of course, and I meant tuesday by the way, so much to sticking to timetables!Oh and the fact that they sent two copies of the same letter just shows their lack of efficiency...something that will be used against them if its needed!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...