Jump to content


  • Tweets

  • Posts

    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
  • 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 
      • 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

Me V hsbc (£1700) - SETTLED IN FULL


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6556 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

Hello All,

 

I have finally got it together to send off preliminary letter to Phil Beaumont at HSBC today to ask for the £1750 they have charged over last 6 years. I'm using the standard Preliminary Letter from the Library.

 

Many thanks to you administrators & moderators for the massive amount of work and time you have put into this site... look out for your Amazon vouchers when I get my refund ;o)

Link to post
Share on other sites

Good luck with your claim- we will keep watching for updates.

 

By the way, the book token scheme has ended, but hopefully by the time you receive your money, we should have a DONATE button on the site...

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

  • 2 weeks later...

Hiya,

I need a bit of advice if anyone can help?

The 14 days since my preliminary letter is up tomorrow - and I haven't even had a standard response back. I'm a bit worried because I didn't send the letter recorded delivery so have no way of knowing whether they got it. And I don't want to phone them 'cos banks give me the fear!! :eek:

 

When I send the LBA (which I will send recorded delivery!) should I include a copy of the first letter I sent? Also, should I include a copy of the spreadsheet showing how the 8% interest is worked out?

 

cheers

Link to post
Share on other sites

Hi Sopsps

 

As I understand it (and I am still very much a novice in all this so someone tell me if I'm wrong) you don't add the 8% on until you file your claim with CC via Moneyclaim.

 

As for not having a response to your preliminary letter, I would have thought that without proof that they received it you probably can't progress to LBA. To potentially save yourself the time and hassle of re-sending your prelim it might be worth biting the bullet and phoning them.....just a thought, obviously its up to you.

 

Good luck

Lizzie

Link to post
Share on other sites

Hi Lizzie!

I thought that the preliminary letter was just being polite and wasn't essential? Because the LBA acts as formal notice that I intend to claim the money back through court... but it looks like I might have the wrong end of the stick.

Maybe I sohould just bite the bullet and call them to see.!! Yikes!!

Link to post
Share on other sites

No, no, no.

 

Does the bank send all letters to you recorded delivery? Do they listen or care if you say you haven't received a letter?

 

Forget the prelim, you posted it, as far as you are concerned they received it. Send the LBA recorded now, don't send them any spreadsheet. Just use the standard template from the library adjusted to suit.

 

In 14 days start moneyclaim!

 

I sent my LBA off 12 days ago btw and haven't heard a thing yet, never mind, i'm sure they will reply when they receive my claim through the court!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

Link to post
Share on other sites

thanks norvernrob!

you have a fair point which I was just mulling myself... they never use recorded delivery whe contacting us!

I will reference my preliminary letter dd 3rs May in the LBA to jog their memories.

Did you send your letter to Phil Beaumont?

Link to post
Share on other sites

Hi, yes I sent it to Phil Beaumont. I sent my prelim letter to my branch, to which I got a DPA request form in reply! All the prelim and LBA are for is to prove to the court you have been more than reasonable in giving them time to pay. Expect it to go all the way to moneyclaim, any settlement before it does is a bonus!

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

Link to post
Share on other sites

I stand corrected!

 

Thanks Novernrob for clarifying the exect position with the prelim and the LBA. I guess I'm still in the habit of allowing the bank to be in the driving seat - time for them to move over!

Lizzie

Link to post
Share on other sites

That's the only way, they will p*ss you about from here to eternity otherwise!

 

Good Luck (not that you'll need it!)

Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage

Sisters NatWest - Claiming £1056 - SETTLED at AQ stage

Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage

GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08

MBNA: Claiming £150 - SETTLED IN FULL at LBA stage

HSBC: £1014 - SETTLED at LBA stage + pending charges removed

Sisters HSBC - £300 - SETTLED IN FULL at prelim stage

Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.

Capital One - claiming £605.54 -SETTLED IN FULL

 

 

 

DON'T FORGET TO DONATE!

Link to post
Share on other sites

LBA being sent today (recorded delivery!) Wish me luck :rolleyes:

 

Dear Mr Beaumont,

 

ACCOUNT NUMBER: XXXXXXXX

 

Further to my letter to you dated 3rd May 2006 (copy enclosed), I am writing to ask that you refund to me the charges which you have levied from my account over the last 6 years.

 

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken XXXX

 

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Link to post
Share on other sites

You'll probably get a standard reply, so then after the 14 days just issue your claim. You've not mentioned how much the claim is for, but if it's for less than a £1000 you may get a letter offering you a partial refund. If you do just write back saying thank you, but no thanks and then when the 14 days from your LBA start the claim. This is want I did. Waiting for the claim process to go through now.

 

Neil.

Link to post
Share on other sites

OMG!!

I've just got back from work & found a letter from Alan Pretty waiting for me.... with an offer of £1450 for settlemt in full...

I want to hold out for the full amount though - but I'm not sure whether I should write to AP to request payment in full, or to just put the claim in through online claim thiingy. And if it's the latter, should I be waiting until next Weds when the 14 day from LBA expires?

Any help or advice would be great :rolleyes:

Link to post
Share on other sites

i think the general concensus is that you say thanks very much but i want the rest aswell , or you can take this as the bank saying as far as they are concerned this is the end, hence you cannot do any more so you can initiate your claim straight away

 

mods confirm please?

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

Link to post
Share on other sites

  • 2 weeks later...

Morning All!

Well, I contacted HSBC to decline their offer last week & their 14 days from LBA was up yesterday.

So, mcol filed this morning!

Does anyone know if I'm meant to record my claim no. somewhere? do I PM someone?? (sorry, can't remember who & it's not in the step-by-step!!)

Link to post
Share on other sites

Morning!

 

Just having a read of your claim.

I'm posting my prelim letter today so I'm hoping to have my refund by the end of the month! Or is that wishful thinking!? They owe me just over £1000!

 

If you go to 'the bank action group' heading, the 2nd subject down is 'litigation in process'. From what I can see you need to PM the mods to have yours included in the list, and record your case number and other bits and bobs.

 

Hope this helps and good luck, I'll keep watching for your outcome!

 

Sarahab7 :)

HSBC, DPA sent 21/04/2006 (due before 31/05/2006)

Prelim sent 01/06/2006, exp 14/06/2006, 14 days to comply

Barclaycard, DPA sent 01/06/2006, 40 days to comply

Link to post
Share on other sites

You can PM any of the moderators with your claim details to be added to the litigation in progress.

 

Also you must accept any offers they give you as long as they are not in full and final settlement or have conditions attatched ie: confidentiality .If they do then you accept the offer but reject the conditions .It must be made very clear that you are rejecting the conditions

  • Confused 1

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.

Link to post
Share on other sites

Thanks guys, have PM-ed bankfodder with details.... am a bit scared now though espec after reading that HSBC want to close fariba3's account following her successful claim against them! :o

Link to post
Share on other sites

Thanks guys, have PM-ed bankfodder with details.... am a bit scared now though espec after reading that HSBC want to close fariba3's account following her successful claim against them! :o
I would suggest opening a parachute account ASAP. I have had a biggie and two small claims refunded - and now HSBC have given me until June 24th to 'make alternative financial arrangements'

 

They don't do this usually, but I am a bit of an awkward so and so, so I imagine they just want to get rid of me...:)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

  • 2 weeks later...

Here's an update - my MCOL has now been acknowledged but I haven't heard from the bank yet.

Thing is, I have just checked my statement from last month & notice that they have taken another £50, despite asking them to remove pending charges in the letter I sent declining their first offer.

I wonder where I stand with this, I didn't add this onto my MCOL because it wasn't showing on my account at when I submitted it.

any ideas??

Link to post
Share on other sites

It would cost £35 to amend your existing claim, so just wait until it is resolved and then ask for any extra back at the end, or start over!!!

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

Link to post
Share on other sites

  • 2 weeks later...
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6556 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...