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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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    • 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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Kat v HSBC ****WON****


Katteh
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there's no set pattern to how long they make an offer!! some they offer just before the aq - some a few weeks after... .luck of the draw i guess!!

just sit back and chill now for a bit until you get your aq and stuff in the post ok

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

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Okay. :) I've given them a ring today as my summary of charges hadn't been received on Friday. Spoke to Andy who said he'll hand it over to Rachel and get her to ring me back. He originally told me he'd get her to ring back if they hadn't received it but I insisted that she rang me back to confirm if they had or hadn't.

 

The last day for them to defend is the 7th of March so I have just over a week of waiting left before they have to defend.

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7th March - If they acknowledged on 14th Feb then surely they have till 14th march to defend? or am I missing something here?

 

You are one day ahead of me and I was thinking they had till 15th March to defend mine which was acknowledged on 15th Feb. (they have 28 days right?)

 

Helen

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7th March - If they acknowledged on 14th Feb then surely they have till 14th march to defend? or am I missing something here?

 

You are one day ahead of me and I was thinking they had till 15th March to defend mine which was acknowledged on 15th Feb. (they have 28 days right?)

 

Helen

 

 

I was being dipsy sorry! :p You're right, they have until the 14th of March. :)

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Okay.. after getting very motivated by all your successes, I feel like I should be doing more to get DG solicitors so annoyed with me that they want to get me out of the way and my claim sorted.. :) So, at this point (waiting for them to defend) is there anything I can do to get myself on their radar, so to speak? Like pestering emails/calls, if so, what would I actually say? Or is that stuff best left until AQ time?

I've sent my summary of charges and they've confirmed they received it.

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Thanks - I already have the phone numbers listed, but looking for something semi-worthwhile to follow up with at the moment as I can't think of anything that won't make me sound stupid to call up / email and say to them. :rolleyes: Just want to pester them!

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my post was a bit abrupt earlier - keyboard wasn't working so i just used a cut and paste.

 

how about on monday a little (once you get through) "i was just thinking - you have so many claims that are much larger than this one - wouldn't it take the pressure off if some of the smaller ones were pushed through" (yours less than or just over 1k?)

or make it a little more porfessional looking and e-mail the same thought.

 

or, how about - is there anything i can do to help you to expedite my claim?

 

 

blah, blah, blah!

how about -

how is the weather in birmingham -give me my damn money!

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hehe good suggestions! :D Thanks, that's great - just the kind of idea I was looking for. I think I will start with the 'is there anything I can do to help you to expedite my claim' emails on Monday. It is only for £950 yes - so pennies really! :p

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Sent the following email off to Rachel this morning - will send the same off to the rest of them today/tomorrow. :)

 

Dear xx,

I am aware of the high volume of claims which you are dealing with at the moment, so is there anything I can do to help you to expedite my claim?

 

Kind Regards,

Me

 

Only 5 days left until they have to defend!

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Not heard anything back from them, surprise surprise. :)

 

Now.. My defence deadline is Friday, and I doubt they're going to file before that, so if they don't, what is the normal response. Am I right in thinking I should contact the courts? I'm assuming they'll give the standard +7 days or something similar. What should I be asking the courts if I contact them though?

 

Thanks. :)

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Hi Katteh

 

I am much in the same stage as you at the moment and I too want to speed things along and putting myself on the DG radar like you. So against everybody's advice (sorry Lattie/Netty/Crusher) which is to be PATIENT, PATIENT, PATIENT and not annoy poor over-worked DG, I will actually drop them an email tomorrow.

I am at the point where I just want it finished now cos it's been dragging on long enough so I will settle if they offer me something decent. So I got some advice from a lawyer friend of mine and have drafted a letter to DG, which I think is more than reasonable and not confrontational at all :

 

WITHOUT PREJUDICE, SAVE AS TO COSTS, SUBJECT TO CONTACT

 

To whom it may concern

 

Further to my email to Deborah D'Aubney on Tuesday 5th March, as I have not had a response I have sent this to all of you which I hope will reach the person dealing with my particular claim.

 

I have a claim that has been filed against HSBC for unfair charges to the amount of £***** inclusive of court costs of £120.00 and your defence is due next week on the 14th March.

 

I think we all know that HSBC are in the wrong and there has been much publicity about the banking practices in question. Indeed there are hundreds of claims going through each week which says a great deal about HSBC's case.

 

As I mentioned, your defence is due next week, following which we will need to complete an Allocation Questionnaire. These procedural steps mean further costs for both parties, and as set out in my claim I will be seeking to recover all my costs from HSBC. I am prepared to take this all the way as I strongly believe in my claim as do thousands of others also going through the same process. However, in the interests of saving us all time and money, if HSBC would like to revise their original offer and make me a new, more realistic offer closer to the figure claimed for then I would consider settling out of court before further costs are incurred.

 

I am aware of the high volumes of claims you are processing at the moment so I trust you will find this a welcome and reasonable proposal to conclude this matter as quickly as possible.

 

I look forward to hearing from somebody soon.

 

It wont do any harm I think. Though at the moment I hear that DG are not answering any calls or emails at the moment so I think we will both be getting on the with AQ stage soon. Good Luck!

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Thanks for that. The only problem is, my claim is for less than £1000 so I can't claim that I'll be saving them any money by not filing an AQ, as I don't have to pay for it. But I do think they should get my claim over and done with so they can deal with some of the bigger ones. :p

I wouldn't be happy with anything other than full payment though, that's what they want us to do, get tired of it dragging on then settle for less. :mad:

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katteh - then perhaps you'd like to send a similar letter and your idea would be - wouldn't they like to just pay out on yours - a smaller than average claim - just to get it off the books... one less claim to deal with.

and as stated a lot in the last 2 days - we are now thinking too much contact could be counter productive - and are advising much less contact - letting them get on with matters at hand - like offers. good luck.

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My advice would be to hold fire for a day or so, it is not uncommon for them to submit their defence at the very last minute. If this happens and you've entered judgement against them then this will be overuled and they will be able to apply for a set aside which will only delay proceedings further.

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

 

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