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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Happygilmore

Happy v HSBC

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I dont know if i should print my statements off as i just browsed through each month online and totted up the charges , came to £2991 :x

Sent my prelim letter off yesterday so the clock is now ticking.

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i just did as you have, gone through them all online and put them into a spreadsheet, for possible future reference, sent mine of yesterday (£4115 :mad:)


HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Good luck with your claim maverick :)

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who did you send your preliminary to?


HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Just addressed it to the Branch Manager of my local branch.

Then sent it recorded delivery.

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Hi Happy,

 

For calculating the charges online statements is fine. However, the DPA request asks for notes and evidence of manual intervention. If there has been evidence of this, the bank could justify their charges by saying they had to 'work' on your account.

 

My suggestion would be to make a DPA request ASAP, but start to calculate your charges anyway. It is unlikely you will get more than statements from HSBC anyway...

 

Once you are 12 days into the DPA request, you can issue your prelim, safe in the knowledge that if the bank does provide this evidence, you will be in a position to consider whether to raise a claim or not when the time comes.

 

Good luck and keep us posted.


Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Ive already sent my prelim letter off , do you think i should send a dpa request tomorrow then just delay my LBA by a few days?

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Yes - that sound about right. Don't forget - the option to raise a claim remains with you, so you could do letters one and two, and then wait until the DPA 40 day limit is up before raising your claim. Don't forget to allow a couple of days for the bank to receive the DPA letter, include the stautory maximum £10 fee, and send it recorded delivery to your local branch.

 

Good luck.


Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yes - that sound about right. Don't forget - the option to raise a claim remains with you, so you could do letters one and two, and then wait until the DPA 40 day limit is up before raising your claim. Don't forget to allow a couple of days for the bank to receive the DPA letter, include the stautory maximum £10 fee, and send it recorded delivery to your local branch.

 

Good luck.

 

Oh bugger! I didn't do that! Added up charges online and then went straight to Preliminary! Mentioned manual intervention aswell! Is this going to screw things up for me????


CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Oh bugger! I didn't do that! Added up charges online and then went straight to Preliminary! Mentioned manual intervention aswell! Is this going to screw things up for me????
Probably not - as I say, HSBC are not likely to send anything more than statements.

 

However, you could do as I suggested to Happy: send of a DPA request ASAP, but continue with the rest of your timetable. Just delay raising your claim until the 40 day deadline expires. That will prevent any nasty surprises after you have raised your claim...


Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I didnt get any kind of reply from my prelim letter and the 14 days will be up tomorrow.

Will be posting LBA tomorrow afternoon.

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Recieved letter from bank saying that they have stated their position in previous letter so starting claim with money claim although having a few problems with particulars of claim.

When clicking the reserve the right to claim interest tab i get pop saying

Do you want to reserve the right to claim interest?

Since you have indicated that you wish to claim interest on the money the defendant owes you, you must include the following text in the particulars of your claim:

The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from {date when the money became owed to you} to {the date you are issuing the claim} of £ {put the amount} and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}.

 

where it says {put the amount} is that the total amount of my claim including interest and also what do i put in {enter the daily rate of interest}?

Hope someone can help me out , thanks in advance.

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where it says {put the amount} is that the total amount of my claim including interest and also what do i put in {enter the daily rate of interest}?

Hope someone can help me out , thanks in advance.

 

No, this is the amount of interest at 8% on your total charges from the date of the first charge to the date you submit the claim

 

Daily interest is total charges times 8% divided by 365, which is added for every day between the date you submit claim and the date the claim is settled.

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Would my total charges be including the interest?

If so it works out to be 3753.85 x 8% /365 or if it doesnt it would be 3133.50 x 8% /365.

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No, it's the total of just your charges times 8% divided by 365

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The daily rate is the claim amount x 0.00022

Your claim is roughly the same as mine, so it's going to be about 75p per day.


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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That would make a daily rate of £9.27 , does that sound right?

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That would make a daily rate of £9.27 , does that sound right?

 

That's a great daily rate, if only it was true!!!

 

:D


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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works out to be 82p :) , £9.27 sounded a lot nicer though

 

One of my fav films karnevil :)

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Excellent!

Your money is very close now, about 15 to 20 days tops.

Can you smell that cash?

 

Crusher :-D


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Recieved a letter today from D G Solicitors reading :

Dear Sir

Re : Yourself v HSBC Bank plc

 

We have been instructed in relation to your claim you hvae recently issued against hsbc. To enable our client to consider your claim please supply a breakdown of the amount you are claiming.

 

 

 

 

What do i send them? A complete list of every individual charge or just what the charges total up to and then seperate list how much interest i am claiming?

 

Also recieved letter from moneyclaim saying that Acknowledgment of Service has been filed and then ive got a copy of the Acknowledment of Service.

D G solicitors

12 Calthorpe Road

Edgbastion

Birmingham

Are the solicitors involved and they have ticked the I intend to defend all of this claim box.

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They should have the full details of the amount claimed then shouldn't they? Hopefully a moderator will be along to advise you but if the same solx are acting then they should have received full details of the claim, they should have it?

 

x

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Absolutely positive it is stalling tactic Karnevil....

 

...this site makes me wonder if I am going into the right profession - I went in thinking I would be upholding law and seeking justice:?

 

Sorry to hijack your thread Happy and Good Luck though.

 

x

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 278 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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