Jump to content


  • Tweets

  • Posts

    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
  • 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

givememymoney V HSBC


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

Thread Locked

because no one has posted on it for the last 6062 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

yep just a bit of business and then back to take on the bank. Heres one to throw out what if I just take my accounts overdrawn to the amount that I am owed and then close the accounts!!! I am sure they will send me a letter or two and I can respond that I will be investigating their claims and will come back to them in eight weeks time!!! :D

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

  • Replies 265
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

:( No offer in the post today. Just a letter from a different HSBC department asking what I think of their service and if I have any suggestions for improvement!!!! Makes me mad :mad: I have a few suggestions most of them involve them shoving various inanimate objects where the sun doesn't shine!!

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

My suggestion for improvement "Stop taking people's money by way of unlawful bank charges".

 

Go on, you know you want to!!!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

Link to post
Share on other sites

I finally answered one of the numerous "marketing" calls this afternoon from HSBC and ended up with a discussion about charges. The woman on the other end of the phone had the cheek to say that "it doesn't make the bank happy when they have to charge customers". Now you can imagine my reaction to that so I felt obliged to give her a 5 min lecture on how "happy" :) I think that HSBC is to apply charges to my account whenever they feel they can get away with it. Needless to say we didn't completely agree on all matters banking. But she was decent enough to wish me a "great weekend"!!!!

 

There is one thing that would have made my weekend great and that would be a cheque from HSBC!!!! :D

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

Hey I am back from India brought a bit of a dodgy tummy with me!!!! :eek:

 

Anyway my post had nothing in it very disappointing but this morning I have a letter from the court saying that HSBC/DG have until 21st March to submit their AQ or the defense and any counterclaim will be struck out without further order. So lets hope I get and offer in the next few days. I think a number of people have had this happen recently.

 

:)

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

Would there be any merit in writing a general letter to the courts making them aware of the abuse that banks like HSBC are making of the court system in purposely delaying the delivery of their AQ's wasting claimants and courts time. If so where would we send such a letter?

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

i've no idea - and besides - each court acts independently - but i guess there must be some central point - try looking on hmcourts,,,like where the mcol was. might be the home office.

have you seen all the publicity on here around the whistleblower program monday night at 9. might be interesting. there will be a power surge with everyone watching! and probably then another avalanche of enquiries and claims. get ready for the newbies!

Link to post
Share on other sites

I wonder whether a letter to the Patricia Scotland - Minister for Justice might be an idea?

 

The whistleblower program has moved to Wednesday night will definately be watching and I am sure you are right about a further influx of newbies!

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

Actually I did know about the change in days in India and even sent a text to my Sky + box to record it in case I forgot!!! :)

 

Business wise a good trip but my guts are bad now!! :eek:

 

What do you think about a letter to the Minister for Justice?

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

a little blurb from crusher:

 

Remember, its actually best to try not to get a win by default.

You are better trying to ring debbie and get them to put in a defense, (although this is something that goes against my intense will to get the bailiffs in on hsbc...:grin:) as a default judgement normally results in loads more delays. The judge WANTS to get this case heard, not won on a technicality.

 

take a look at this.....

 

default judgement

 

take a look at that link

i particularly like the letter in it............

 

:

Dear

 

Claim Number 7XX00000

 

You have not filed a defence for claim number 7XX00000 at (Town) County Court, and the time to file a defence has now passed and judgement in default has been/will be granted.

 

I am writing to give you one final opportunity to make full payment of £000.00

 

If I have not received payment in full by 4pm (date - 7 days from date of this letter) I will file for Judgment in Default/apply for a warrant of execution.

 

Yours sincerely

 

think it's time for a letter?

Link to post
Share on other sites

hey, while you were in india, you didn't by anychance do any 'moonlighting' for the hsbc call centre did you??? lol - drop a couple of new prompt cards in or anything? teach them to speak english? lol

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

Link to post
Share on other sites

I did offer to a few people on here to pop in and deliver their messages personally but no one took me up on the offer! :D

 

I did meet someone willing to sell me your personal data though!!!! :eek::lol:

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

AQ all filed and I have a reciept for my payment :D and HSBC have yet to file their AQ I will make another call to the court tomorrow.

givememymoney,

i filed my AQ on 6th march so i'm in exactly the same position as you, the judge gave them a seven day extension on 7th march but the court still hadnt sent it out last friday 16th said they have a backlog, so sitting and waiting DG phoned me and said they were looking at it about 10 days ago!! so still no further to closure

good luck we might both get a surprise tommorrow

Link to post
Share on other sites

I did offer to a few people on here to pop in and deliver their messages personally but no one took me up on the offer! :D

 

I did meet someone willing to sell me your personal data though!!!! :eek::lol:

 

haha did you buy it though??:grin:

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

Link to post
Share on other sites

givememymoney,

i filed my AQ on 6th march so i'm in exactly the same position as you, the judge gave them a seven day extension on 7th march but the court still hadnt sent it out last friday 16th said they have a backlog, so sitting and waiting DG phoned me and said they were looking at it about 10 days ago!! so still no further to closure

good luck we might both get a surprise tommorrow

 

I am not holding out too much hope. Want to join my competition??

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/75024-guess-when-will-i.html

 

:cool:

Guide to claiming back your bank charges

 

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

Link to post
Share on other sites

Yes and I am absolutely stunned all those transactions to that rubber factory!!!!! :grin:

 

we'll just keep that between us then shall we?? lol

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...