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    • Yes - Possibly as the access to the £16k of savings etc was restored after so long.  But its unlikely if HSBC can provide a letter of culpability for the issue. 
    • CEO Complaints / Customer Relations Complaints take between 4 & 12 weeks to resolve at present. This is why if you deal with Currys at the moment, you'd better pray that it goes well.  Exec complaints are normally dealt with in about  3 days normally.
    • This time you need to reply, as a Letter Before Claim is a formal notice of intent to commence legal proceedings.   It is also a fishing exercise by Minster Baywatch to try to find out who will just roll over and who would be bad news for them in court.  You need to be in the latter category.  Thus a snotty letter ridiculing their claim and showing you're genned up with the law.    Forum regular Ericsbrother has drafted loads of these "snotty letters" over the years, dx is suggesting to have a search of such letters, see what would be appropriate for you, and post a draft up here.
    • First of all, are you sure you have a ticket for doing 34mph? That would be most unusual as the guidelines issued by the National Police Chiefs’ Council suggest action is not taken below 35mph. All police forces in England & Wales usually comply with those guidelines. It doesn’t particularly matter. If you have five tickets you have five tickets. It’s just that I have heard a number of reports of drivers seeing action below 35mph but have never seen a substantiated case. So it’s only for my own interest.   The first of your offences should qualify for the offer of a speed awareness course (provided the offences were not in Scotland and you have not done one for an offence which occurred in the last three years). But you may not choose to take that (see below). For the next three you should be offered a fixed penalty (£100 and three points). After that it gets messy. With nine points you will not be offered a FP (or if you are you cannot accept it). Your matter will be dealt with in court and you will face a “totting up” ban of six months. In order to avoid a ban you will have to argue that “exceptional hardship” will follow for you or others if you are banned. Of course everybody can expect to suffer some hardship if they are disqualified. The clue is in the name – the hardship has to be exceptional. That is over and above that which most drivers might suffer.   From your brief description of your condition it seems you may have the making of a successful EH argument. It would certainly help your case if you could get some medical evidence of the difficulties you face if you are not able to drive. If you’re going to argue EH (and these are not “mitigating circumstances” – that is something different) you may find it beneficial to decline the offer of a course. If you’re going to face a ban for twelve points you might as well face a ban for fifteen and going to fifteen would leave you a course “in hand” in case of any future offences. If your EH argument is successful you will leave the court with 12 or 15 points; any further offence will see you face a totting up ban again and you cannot use an EH argument using the same reasons within three years.   First things first – you need to respond to the requests for drivers details that you have (failure to do so sees you commit a separate more serious offence). I would see what you are offered. The first decision will be whether to accept a course or not as I have explained above. Only when you have accepted three FPs need you worry about having any remaining charges heard together.   Let me know if I can help further.
    • There will be an overpayment of universal credit which will need to be paid back, it's unlilkely to result in a prosecution.
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jshtr3 v Lloyds TSB **WON** (no, really!)


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And I've removed the *WON* from the thread title!:(

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Cheers guys. Haven't had much time this weekendso haven't been able to do much but I'll ring [problem] (BAHH HUMBUG) in the morning and see what they have to say and start doing some reading on the way forward.

 

And I've removed the *WON* from the thread title

It appears that fate was very tempted Gary!!!!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi jsht,

 

you poor love come on lets have a cuddle :)

 

I had a cheque once from Lloyd's that was dishonoured it was the GWP for £750, it's not nice, don't you just feel like slapping them.:D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Cheers pen, There's nothing like a minute in the bosom of a friendly woman to make a man feel better. Can I get out now? It's dark in here!;) As for slapping them. Yes I am going to slap them, with a winding up petition. High court here I come:eek:

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi calm1. My records are in secure storage (smells like something to me) and will take up to 72 hours to retrieve. So in answer to your question, not very well. Have a feeling they'll start taking otice of me soon though!!!

How's you?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I must be honest, the fact that this is back on has really perked me up - winding up petition - what fun!!!!!:D

 

I am sorry that you have had to go through this, but b***** me, it is so interesting.;)

 

72 hours - my a***:rolleyes:

 

I guess I will have to wait a bit longer for my new bell.:(

 

I have just started a claim for a friend - she'll be peeved by what has happened today.

 

I'll bet you are chuffed to know you will get yours, whatever - I do feel for those in the pipeline (but very pleased for you). Can I come to the bank when they wind the B******* up please?

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Don't worry. I have a bell here for you already. Every one comes with a free ring ding!!! And yes, you can be there when I wind them up:)

 

Trust me, The highlights are more interesting than the reality. Look here for the sleep inducing stuff Dealing with Debt - How to Wind up a Company that owes you Money

 

I really am starting to wonder if I will get my money. It's like being on an escalator that goes into reverse just as you're stepping off. I know they have to pay in the end but this has been going on since christmas! Every time I think about it I'm reminded of a terrible DOLLAR song!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Tee hee!

 

I love the escalator!:D

 

Pleased to hear my bell comes with a free ring ding..........

 

Mr Sheen is waiting impaSHiently!

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You are close now, very close. They can raise no defence and this next bit is going to be fun...

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Lets hope I don't dissapoint anyone then. A bit aprehensive but looking forward to it all. By the time they've got my info out of the vault I may have left them a letter on a radiator (cos you can do that apparently:) )

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Thanks dolly, That means a lot;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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what dollar song, i'm not old enough to remember that one, how does it go. what about " I'm still waiting" by Diana Ross, I can remember that one

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen, Dollar song was "never ending story" but "I'm still waiting" also works.:) Maybe a thread in the bear garden should be "songs that remind you of your bank charges claim" and could include such gems as........

 

One hand in my pocket - Alanis Morissette

Took out a loan - Black Rebel Motorcycle Club

Wages Day - Deacon Blue

 

and my personal favourite.......

 

Money for Nothing - Dire Straits

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Morning all

They have finally settled. Paid the money into my account by bank transfer last wednesday, just been too busy to post on here. Thanks to everyone who helped out over the last few days, particularly Hagen. And thanks to CAG for all the support and advice. I'm off to donate now cos I know they can't bounce a bank transfer (or can they?)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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At last, CONGRATULATIONS :D

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Congrats!! (again!):D

 

I still think you should make a noise about this - to the press, etc. The way they have acted is shocking beyond belief, even by their standards!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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well done,

about time as well they took long enough.

 

pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Congratulations - AGAIN!!!! Saying that it's really p***** me off becuase I wanted to see you wind them up! They have acted appallingly, I am moving my account as soon as I have enough to pay off my loan. After 22 years with em - Bas-turds.....................

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Hi Calm,

just out of interest have you tried getting all your statements re 22 yrs from them. and if so what was the outcome??? I am in court on monday re SAR so i just hope the judge orders them to give me them, then it will be fun.

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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