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    • Thanks for coming back and letting us know. Obviously we totally disagree with their decision.  Their remortgaging could only have gone wrong if they had ended up with a CCJ.  And how do you get a CCJ?  If you lose in court and then defy the court and don't pay.  Even if you lose in court, you don't get a CCJ as long as you pay within the 30 days ordered by the court.  Even had they lost in court the judge would have disallowed the interest and the £70 Unicorn Food Tax that PE made up.  There was no advantage whatsoever for giving in and paying now. But thanks to you for letting us know - a hell of a lot of users don't.
    • Hi everyone.   Before I say anything, TFL finally responded to the email I sent last week:   Thank you for your email, we acknowledge the signed documents you have returned in preparation for your hearing.   We note that this matter is causing you some stress and anxiety, however this is not a reason for TfL to discontinue proceedings. It is not unusual for passengers that have been summonsed to court to experience these symptoms, and we do have some empathy with your concerns.   However, as previously stated, TfL do not accept out of court settlements, and you will have the opportunity at your hearing, to provide your mitigation to the court prior to a decision being reached by them on how they intend to deal with this matter (usually a fine).   I am sorry that this decision is not more favourable.   Yours sincerely   James Vallis     At least he sounds more sympathetic in this email…   Only one week to go until the court hearing and I am so so nervous. I’ve prepared some questions and answers in preparation for what to say to the magistrate. It will help calm me down if I know roughly what to expect. If you could give feedback on it that would be great. If you have anything to add please do let me know.   As far as I know the court hearing will happen in these stages: Introduction and statement of facts Pleading guilty for the journeys I made with my mother’s card Penalty sentencing Appeal (if charged with a criminal record)   Am I guilty? Yes.   Why did I not pay the fare legally? Last year there was a lot going on in my life and I was struggling financially so to relieve some of this I used my mother’s Oyster card. I know it’s not an excuse and it’s still wrong.   Why do I not accept a criminal record? I really don’t want it to affect my chances of finding a job in the future. I will be the one earning money in my family so I am doing my best and studying hard to be able to get a good job. A criminal record would mean that regardless of how hard I’m working I won’t get the job I want after I graduate. This fills me with so much regret, sadness and disappointment in myself. I just want to be a good daughter for my mother because she’s already had to deal with many hardships in her life and I don’t want to make it any harder for her.
    • HI all, This is done now. My daughter and her fella are currently in the process of remortgaging so they just paid it out of panic. Thank you anyway DX
    • MCOL will tell you once they've filed it with the courts so just check there. I'm sure the courts are massive fans of DCBL using official documents to harass and scare people (Not! ) Remember that the courts call the shots now, not the claimant.  
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Bizarre.Moogle Vs HSBC


Bizarre.Moogle
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Got my S.A.R. typed up and will be posted out tomorrow 27th Feb 2007.

 

TTFN

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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thanks netty, just been reading your thread, theres a lot of info there and might be calling on your help if it goes a similar route as yours :) (thats if you dont mind).

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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Must say I'm impressed with Royalmail, sent my S.A.R. via £1 Signed for on the 27-02-07 and they received it on the 28-02-07. So 40 days from there to respond :) That should make it till the 09-04-07 if my calculations are correct.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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  • 1 month later...

I have used the template for Data Protection Act - Non-Compliance as I have not received anything from them. Expiry for the 40 days was on 9th April, I have given two days grace due to the Easter Bank holidays but still nothing so this will be posted out tomorrow morning.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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HSBC received my letter on the 16-04-07. As always will update once I got anything from them.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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I assume you can't use online banking to view your statements? :-)

 

Can't I'm afraid. The account has been shut for a few years now. So not able to view online as no longer bank with them at all.

 

Its not only HSBC that has failed to give me a list of charges/copy statements, Barclays has failed as well.

 

netty, I've sent my non-compliance already and that is what they have received on the 16-04-07.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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Just got all my statements today covering from March 2001 till I closed the account in March 2006.

 

Just had a highlighting session and worked out they have taken a nice round figure of £800.

 

Looking to do my prelim this evening.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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good luck Bizarre.Moogle. Use the spreadsheets in the bank template library. (Don't forget to hide the 8% interest column as you don't need this until claim time with the courts).

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Thanks jowalshy.

This seems similar to the one Ive done against RBoS recently and won. Hopefully will go as smooth as that one.

 

Only problem I have is currently with Barclaycard not backing down from their offer.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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Nope. Just had there sod off letter from my LBA so unsure do I file now or wait till my LBA deadline has passed.

http://www.consumeractiongroup.co.uk/forum/barclaycard/62145-bizarre-moogle-barclaycard.html

Thats a link to my Barclaycard thread.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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BM, you have told them what you are going to do so stick to it. Wait until your 14 days have elapsed then file your claim.

If you want you could do a little "very disappointed by your negative response... etc... and I will be filing my claim with the county court on XX/XX/XX" type letter but I doubt they will have time to respond to that now.

pete

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The expiry date for the LBA for Barclaycad will be 03-05-07 so is time to send a letter to them, but do you think will be worth it?

 

I know I could add lines that, will be filing due to response, and from this day will be entitled to claim back 8% interest, cort costs and also personal time costs, ie claiming back for each letter sent to them, from what I recall can charge them £6.95 per letter I have sent (difference from there £30!!).

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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Damn, we can charge them for that????????

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Apparently yes, not sure which thread I read it in. But something in the County Courst system that allows you to claim like an hourly wage, and for letter writing.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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damn

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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Response from HSBC today.

Dear Bizarre.Moogle

 

Your reference: xxxxxxxxxx xxxxxx xxxxxxxx

 

 

Thank you for your letter dated 20 April 2007 concerning bank charges.

 

I am looking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations.

 

In the meantime, I enclose a copy of our leaflet which explains how these matters are dealt with. If you do need to contact us, please qute reference xxxxxxxxxx.

 

Yours sincerely

Colin Langdale

Senior Service Quality Officer

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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Hiya BM, you are now the proud owner of Uncle Colin's standard sit there and let me waste your time for a few months letter.

All your interested in from Uncle Colin is a decent offer and even then if you accept a percentage offer at this stage you have to weigh up receiving your cash early against receiving a full offer including your statutory interest at a later stage.

Stick to your timetable, send your letters on the due dates and wait to see if you get an offer.

pete

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  • 3 weeks later...

Ive got a little behind. Should have done my LBA on May 4th. Will have to type one up tomorrow and post Tuesday. At least I can add to my LBA that I have been generous and allowed extra time.

RBoS

Settled At LBA £798

 

Barclaycard

Defence Filed, Waiting For Court Date

 

HSBC

LBA Sent 15-05-07, Still No Reply

 

Barclays

LBA Received 14-05-07, 2nd Holding Letter Sent To Me Stating Should Have Answer By 09-07-07

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