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    • you need the particulars of claim ring northants bulk and ask them to send it by email pdf or get them to read it out ...RECORD YOUR CALL>   the sb date does not run from defaulted date.   there are numerous threads here on these backdoor erudio CCJ's when the loans had never eben deferred with erudio so must be sb'd.        
    • Hello Everyone   I would like some advice of when I should submit my defence to the court. The Claim form I received was dated 23/09/2021, however it didn't actually arrive with me until the 27/09/2021. I haven't received any response from LC Asset as of yet to my CCA Request and only what I would call stalling letter from Kearns as mentioned above on the 07/10/2021 to the CPR31:14 request.   I have also listed below a 1st draft of my defence and would appreciate any help and advice or suggested inclusions or amendments.   1, Paragraph 1 is noted. I have had in the past a contractual relationship with Barclaycard. The Defendant does not recognise the reference number provided by the claimant within its particulars therefore I am unable to admit or deny the alleged debt claimed. I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2. Paragraph 2 is noted. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by Barclays Bank and received by the Defendant.   3. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or Barclays Bank. 4. On the 05/10/2021 I requested information pertaining to this claim by way of a CPR 31.14 request and CCA1974 Section 78 request. The claimant as yet to respond to this request. Kearns as yet to respond in relation to the CPR 31.14 request. To date, 21/10/2021, no documentation has been received. The claimant remains in default of my section 78 request. 5,It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   Thank you in advance of any help offered    
    • Hello  Like most on here have got myself into a pickle and having been giving different advice by stepchange and payplan on which route to take am coming here for advice.   I work from home (Job is secure for now but with covid / brexit it could change in a years time), have around £14k of debt and bank with natwest (I have just opened a very basic account with another bank so I can get my wages paid into it).   Debts: Natwest Loan  / £3,407,03 left to pay / Currently paying £197pm (Have just missed 1 payment and now using breathing space for 30 days) Argos store card / £2,018.67 left to pay / Currently paying £86pm Capital One card 1 / £508 left to pay / Currently paying £50pm Capital One card 2 / £2,950 left to pay / Currently paying £212pm Aqua card / £3,600 left to pay / Currently paying £212pm Studio24 / £152 left to pay / Currently paying £40pm Very / £1,315 left to pay / Currently paying £100   Then I have other expenses (Rent 575, council tax £175, Utilities £175  etc) am just left with nothing and that is just by paying the bare minimum.    What would you advise ? my credit file is trashed now as have been gone over my balance on the credit cards and paying back the minimum to clear them.    
    • please stop using reported posts now.   only post here in this thread in a new msg box.   i think you will find it matters little what evidence you have , you have too sadly wait a week or 2 for them to release the account.   i see you have read numerous like  threads by other people, so you should know this by now.  
    • Hey! I think I just got some good news. So letters were sent out yesterday morning special delivery to both home address and office. It must have arrived today. He phoned me up and wants to make a payment. Apologized that it has taken this long and it wasn't resolved sooner.  I am sure he would have paid, but as I understand their accounts team is horrible. Well, the letter of action definitely has moved this forward fast enough!   I will keep you updated once I receive the payment!   Thank you all ever so much once again! 
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HSBC no response..


sophalaval
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Hi all,

 

I'm a newbie! :)

 

I sent my letter dated the 15th March stating all the charges and how much I think they owe me and still haven't heard anything back!! I sent it to here:

HSBC Bank

FAO Data Protection Controller

8 Canada Square

London

E14 5HQ

 

 

Does anyone have a phone number that I can ring? Or shall I just wait a few days and send the next letter?

 

Thanks

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Hi and welcome sophalaval

 

I have moved this request for help into the HSBC forum where I'm sure there will be someone to help you.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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But don't send it FAO the Data Controller - that's just for when you are making a subject access request. You seem to have all your statements, and a schedule of what they owe so, as Gez says, carry on with your LBA.

 

You won't get a reply to that either, but at least when you go to court it will look as if you've tried to resolve things.

 

Make sure you send the LBA recorded delivery so you can check it's been delivered.

 

Good luck!

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Hiya Soph, welcome to the HSBC forum

If you do get a response from HSBC it will be a standard delaying letter that will tell you they are looking into your claim and they will get back to you when your grandchildren get their pensions. Its much better to stick to the well tried formula of prelim letter, wait 14 days, letter before action, wait 14 days submit your claim to the court.

Here's the guide http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38807-newcomer-heres-user-guide.html

 

If you have any questions don't hesitate to ask, someone will be along to give you an answer.

 

pete

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Soph, if you read the guide Castlebest has recommended you will see that at step 3 is the preliminary letter (which you have already sent) and at step 4 is the Letter Before Action (LBA). Have a read and make sure that the letter you have already send is similar to the preliminary letter recommended, and that the schedule of charges you attached contains the same info as HSBC will need (date of charge, name of charge, cost, and then a total).

 

Then you can do the LBA!!!!

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Hi all,

 

I have just re-read the first letter that I sent out detailing the charges and interest and have realised that instead of writing that I need a response within 14 days, I have written 40 days!! Shall I still send the LBA or shut up because I did actually write 40 days?

 

I am such an idiot!

 

Thanks

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I would still send the LBA anyway. I am not sure that they truely read the letters we send and as it is your money and your claim you are perfectly within your rights to change the timescales!!! :D :D

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

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