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    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
    • Which Court have you received the claim from ? Civil National Business Centre   Name of the Claimant ? JC INTERNATIONAL AQUISITION   How many defendant's  joint or self ? Self   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 22 May 2024   Particulars of Claim   What is the claim for – the reason they have issued the claim? The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. Debt was assigned to the claimant with notice given to the def. Despite formal demand the def has failed to pay the debt and the claimant claims £300  and further claims interest pursuant to s69 of the CCA 1984.   What is the total value of the claim? £385   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier    Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned to JC International   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably    Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Changed supplier   What was the date of your last payment? Never    Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No  
    • Their FAQs state - Cancellations and modifications If your booking has been cancelled, Booking.com refunds you immediately. The processing time may take 7 to 10 days and depends on your bank. If you have questions, contact your bank directly. I'm a regular Booking.com and AirBnB user.  The former have never cancelled.  The latter have and my money was refunded immediately (not that that helps you as we're not talking about AirBnB!) Best to check with your bank and see (a) if you did pay in advance and (b) if it has been refunded. Also, have you received a message from Booking.com officially stating the cancellation?
    • I'm not up to date with the Legal Aid rules but I'm not sure that many people qualify. HB
    • You question timescales a bit in thread - From my experience, defaulting everything and ignoring all non PAP letters, while making no payments: - 18 months to LOC - further 18 months to be at court Most are still silent 3 years in though!. If making token payments, court, if ever would be 4-5-6 years from now - Hope that helps. My debt is similar, I started it 2021 and wouldn't believe I'm already over half way through default period. You need to make the decisions but follow advice already given in this thread, and you will be fine. Best time to plant a tree was yesterday, second best time is today. Good luck BT  
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givememymoney V HSBC


givememymoney
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because no one has posted on it for the last 6075 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

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So £1 - £2 is about the actual cost for charging a customer over their limit etc. So stuff the OFT and any £12 suggestions we all carry on!! :D

 

I bet the Barclays forum is going to be busy tonight :lol:

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Can we quote that bloke from Barclays in our AQ's or Court Bundle - especially the bit where he said.

 

"To charge £30 or £40 is a bit harsh really."

 

Just goes to show what CAGers have been saying is based on fact rather than supposition.

 

Add something in to say "I respectfully draw the judges attention to...."

 

I wonder how many Barclays customers will be moving their accounts now? :lol:

Claim against First Direct - WON - 29th March 2007

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The problem is where to move your account too they all seem to be as bad as each other.

 

As for the charges being "a bit harsh" what doesn't come across on paper and you know that the judge would miss is the tones of understatement in the way in which it was said. :D

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Letter 2 from Rachel Tomlinson informing me that HSBC is confident that its charges are reasonable and would be successful in court. However to save management time and costs they are willing to offer me an ex gratia payment for the full amount I am claiming.

 

Bring it on!!!!!!

 

I have heard what the banker has to say and he has asked me the question.... my response ... Deal!!!! :D:lol::D

 

Strange thing is the offer is a bit more than I was expecting actually to the tune of the daily interest rate I was claiming. I wonder if they have been reading my posts!!!! Now to read up on accepting an offer!! :)

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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Wooooohooo!!!

 

Congratulations Givememymoney.

 

I love the two contracdictory letters from the same person. Sounds like Ms Tomlinson doesn't know her *rse from her elbow but at least you have got (the offer) your money.

 

Well Done :smile:

Claim against First Direct - WON - 29th March 2007

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Oh boy, this is sure fun when those offers come in!!!!

I'm very, very, very pleased for you.

Bet that headache is gone now.

If the avatars come back on - will you get rid of that headbanger now please!

CONGRATULATIONS!!!!

very happy:D

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use this as a starting point (and don't halt the claim until you see the money)

 

Date

Dear Whoever

Ref: Your Offer of Settlement

 

Account: xxxxxxxx

Sort Code xx-xx-xx

Claim No: XXXXX in XXXX County Court

 

I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX

 

I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge)

 

I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

 

I trust that you will find this arrangement acceptable.

 

Yours Sincerely

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Letter 2 from Rachel Tomlinson informing me that HSBC is confident that its charges are reasonable and would be successful in court. However to save management time and costs they are willing to offer me an ex gratia payment for the full amount I am claiming.

 

Bring it on!!!!!!

 

I have heard what the banker has to say and he has asked me the question.... my response ... Deal!!!! :D:lol::D

 

Strange thing is the offer is a bit more than I was expecting actually to the tune of the daily interest rate I was claiming. I wonder if they have been reading my posts!!!! Now to read up on accepting an offer!! :)

*****congratulations******

i got mine today but realised after all this time i made a cock up check my thread Themadcap vs HSBC feel ive gotta accept and start again for the rest

god i feel such a t**t!!!!!!!!

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YEEEEAAAAAHHHHHHH!!!!

CONGRATULATIONS GMMM - I'M SO HAPPY FOR YOU.... NOW YOU KNOW WHY I NEEDED SOMEONE TO BREAK INTO YOUR HOUSE AND READ YOUR GODDAMN POST!!!

WELL DONE:D :D :D

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

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Ok guys please let me know your thoughts on my letter?

xxxxxxxx –v- HSBC Bank plc

xxxxxxx County Court

Claim No: xxxxxxxxxx

Your Ref: xxxxxxxxxxxx

I acknowledge receipt of your letter dated xx/xx/xxxx and your settlement offer of £xxxxxx

I accept your offer as full and final settlement only for this claim of bank charges made on my accounts xxxxxxxx and xxxxxxxxx in the period xx/xx/xxxx to xx/xx/xxxx. I agree not to make any other claims relating to these charges.

 

I accept this offer without prejudice and reserve the right to make any further claims should they be brought to my attention and may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977.

 

I will be willing to withdraw my claim upon receipt of unconditional full settlement of this claim within 7 days. The settlement monies should be deposited in my account xxxxxxx. Failure to adhere to these conditions will result in me continuing my claim with the county court. I will also inform the judge regarding your actions and that consideration of your request for a one month stay as indicated in your allocation questionnaire should be ignored as an attempt to stall the court process. I will also request that the judge adopt my draft order of directions issued with my allocation questionnaire in order to bring a swift conclusion to this matter.

 

I am also not prepared to agree to any confidentially clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by me.

 

I trust that you will find these arrangements acceptable.

 

 

Notes: There are two things I am wanting to do with this. 1) Leave open the possibility of going after charges made before the 6 year limit. 2) Ensure that the settlement is paid in a timely manner!!

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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