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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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Dontcrosstheline VS HSBC


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Have received the letter from mcol telling me it has been moved to my county court. They have crossed out in biro the bottom line of the notice of transfer proceedings which basically says i should read it carefully and complete the allocation questionnaire to dewsbury court.

 

the second letter from Northampton county court says that the filing of an allocation questionaire be dispensed with in this case unless the district judge at the court of transfer orders otherwise.

 

What does this mean, they will send me an AQ or not ? :confused:

 

The last two letters are the Defence of HSBC stateing that they deny all of my slaims and that they are resonable and are propperly and fully disclosed. Further the charges are not default and accordingly cannot amount to a penalty. Each and every allegation made by the claimant is denied.

 

Scary words :(

 

what happens next i get a letter from my county court for a court date ?

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hiya dctl

 

yes this is the normal transfer of proceedings paperwork.

 

you need to wait & see what the directions the judge at dewsberry decides on . he may or may not require a AQ but you may still need to pay an allocation fee. I received a letter from my local court saying the judge did require the fee before he would give directions. I have paid this but I am still waiting to hear.

 

Note though that other people havent been informed about paying this fee & then found out it does need to be paid so it would be worth giving the court a call to see if it is payable.

 

read latties links again from her previous post & start nudging DG now.

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Yes and you can ring the court and ask them if you have to pay the fee, as the AQ is not required, they tell you yes it still needs to be paid, you send it and then they send Court cheque back saying that the fee is not required :confused:

 

All clear........................ as mud

 

CM

Templates Library

 

GE Capital Won

Capital 0ne Won

Northern rock Claim stayed working on negotiation

HSBC personal claim 1 ''WON''.

£1800 plus full stat interest plus costs.

Claim started 14/02/07 offer 3/07/07

 

Next:Coming soon to a thread near you! :)

HSBC personal Part 2 'return of the Celicaman'

HSBC business 1 ' my empire strikes back' N1 claim POC in progress after usual offensive offer from bank

HSBC business 2 'attack of the Celicaman'

HSBC business claim 3 'bank account menace'

HSBC business 4 'Revenge of the CAG Member' the final insult ....................... 'Maybe'

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clear as mud!! I like it CM :D

 

With each court having different procedures at this stage it seems they are not fully up to speed on it, confusing themselves, let alone us.

 

I think as long as he finds out what his court wants & then does what is asked he can do no more (on the court side of things)

 

but keep on nudging!

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  • 2 weeks later...

Hi DCTL:)

 

Am I right in thinking that your case has been transferred to Dewsbury ?

I actually issued mine in person at Dewsbury but am now considering transferring to Wakefield.

 

I was told that cases that go through Wakefield are all transferred to leeds for a bulk hearing so are dealt with much quicker.

Apparently all the cases listed at Dewsbury go before the DJ for a pre lim hearing.

 

I actually have first hand knowledge of the judge at dewsbury and dont relish being in front of him for my charges reclaim.

I kind of felt that he was sympathetic towards the banks IYKWIM.

Pm me if you want to know anything else.

 

Hope xx

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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  • 3 weeks later...

Right , i have finnaly received my AQ and have completed it up to section G which requires further information. I dont fulyl understand what i have to put here.

 

Here is what i have sofar

 

" I believe that this case will last no longer than an hour and is definitely more suited to the small claim track.

 

I also respectfully request a basic disclosure from the bank which will help to bring the case to a speedily clourse"

 

Thats as much as i have, i have read through the other stategys such as the one where i request an order for directions but i will be honest, i dont understand what they mean.Anyone have any advice ?

 

I have included the draft order for directions, do i send that with my AQ ? :)

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here you go - read it once - then a second time and you'll get it:

 

aq info:

Allocation Questionnaires - A guide to completion

this is your step by step completion guide -and here is:New strategy for Allocation Questionaires

and here is how to use it:

for section g of the n149 (section h on the n150), use the wording in blue on post #3 of new strategy link, and then attach draft order for directions - use wording on post #2 of new strategy link(the bit in blue) making sure to add your name and court claim number to all pages. simple as that. just follow the steps with these two minor additions. the draft order is just asking the judge to order both parties to lay out their wares within 14 days of him ordering it - so it shortens the length of the time to a court date - and as dg/hsbc/all banks don't want to do it - they will pay up by offer or just not file their aq in which case you also win.

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  • 1 month later...

Today was the final day HSBC had to file there AQ, also coincidently it is the day Dewsbury court have decided to stop all bank charge claims until the outcome of the big court case.

 

Marvelous, what a fine two finger gesture, after all this time.

 

I have read the other threads about this but cant help but feel disheartened. I did ask if i could appeal this but the lady was unsure.

 

well not long to wait now only another 7 more month. :evil:

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I received my ONLY piece of correspondence from DG today, again i got the impression the bank was taking the Micheal so to speak. The date on the letter from DG solicitors says 16th the date for last filing an the AQ on the first page of their AQ says 15th, funnily the date on the last page of their AQ says 16th.

 

 

How does that work ?

 

 

Does this mean i can file for judgment as they appear not to have complied with the AQ file date

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