Help Req Wednesday vs Hsbc

[wednesday1867]

Thanks for everything above

 

Just was hoping for this to be concluded soon, but looks like im still in for the long run

 

Auburn ive already sent 1 nudge letter, im gonna send another one end of this week

 

 

Future, i'll certainly look out for your thread, with the timeline being close, may or may not show how long we have left, or if DG start to change the way they are going thro the claims.

[pinkduchess]

its 28 days from the date deemed served

 

thefuture - thats 28 days from 21 April which takes you to 19 May, however both these days fall on a saturday so not sure if that makes a difference. my 28 days was up on a sunday but they defended 5 days early so I didnt find out.

[st24driver]

Dont hold your breath waiting for DG to write to you as stated in correspondance from HSBC because they seem to ignore everything untill it is time for them to make an offer

[thefuture]

its 28 days from the date deemed served

 

thefuture - thats 28 days from 21 April which takes you to 19 May, however both these days fall on a saturday so not sure if that makes a difference. my 28 days was up on a sunday but they defended 5 days early so I didnt find out.

 

Yes makes sence now, pinkdutchess, on the issue it said something like they have until 5th of may to defend, so then as they did defend i just add 14 days to the 5th making 19th. 2 weeks left then. i hope they defend early. thanks:)

[Audreygreeneyes]

Yes it does make a difference,mine was served on the 3rd April and the 28 days is up today, but as it is a sunday they get carried forward to the monday. as monday is a bank holiday they were being given till tuesday at midnight............ but submitted thier defence on tuesday.......am still waiting ot see it!!!!...

 

hope this helps those who have not quite reached this stage.............. Auburn...... :) :)

[wednesday1867]

No Update as yet

 

 

I do have a question tho.

 

 

A few years ago, i had a HSBC credit card, when i got into financial bother , the credit card debt was taken into a managed loan. When i went to Payplan, i defaulted on the managed loan. So now the bank account im currently claiming from is closed, but obviously i still know the deatails. Now i had forgotton all about the credit card, i dont have any details to do with this account though. So if i ring HSBC customer services up, will they or are they obliged to give me any kind of information regarding this account, i cant even remember if it was a mastercard or visa card.

 

Also would i be likely to go beyond the 6 years with the credit card?

 

Thanks

[lateralus]

all you can do is send an sar and see what they send back - ask for all information on those accounts and see how your go.

[wednesday1867]

Well i still dont really understand the date when they should have their defence in lol.

 

Thing is, its still showing as acknowledged, but today i can start judgement by default.

 

Is it recomended to start a default judgement? Will this make my wait even longer, or will it actually mean i get my refund?

 

Thanks

[lateralus]

you can try - but i'd bet that the courts will allow them an extra 7 days and they will get it in before then - but by all means - go ahead - there have been the odd times when they forget and just go ahead and pay once the paperwork starts rolling. go ahead and press for judgement.

[wednesday1867]

Lat, have you seen or heard of any benefit of sending dg a letter saying if they dont pay up within 7 days i will do the default judgement?

 

Its just want i saw on the noobie bit.

 

Obviously want a speedy end to this, so as always your input is invaluable.

 

Thanks

[wednesday1867]

Decided to press the button In for a penny in for a pound

 

 

On a side note about the managed loans, do we cca the leeds address for the agreement?

[wednesday1867]

Does asking for judgement incur a charge? it didnt ask me for any details?

 

Can a mod add to my thread title, judgement requested

 

Also what does the mod need to know for the litigation section?

[lateralus]

15 May 2007

HSBC

Address

Address

Post Code

Re: XXXXXXXXXXXXX(acct/no)

 

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00, which represents the fee payable under the Consumer Credit Act.

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I also understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act

 

I look forward to hearing from you.

Sincerely

Sent this to our branch last week - nothing back yet.

[wednesday1867]

Regarding the managed loan, i defaulted on it and now pat it through a dca via a dmp through payplan, that shouldnt affect it should it?

 

If the above is ok, ill use the above letter, may chuck in the odd managed loan reference.

 

Thanks again

[wednesday1867]

Litigation details for a mod

 

Bank: Hsbc

 

Ammount Claimed: £1418.50 + Interest + Court Costs, Current Total £1935.16

 

Claim Number: 7QZ54630

 

Filed: 19 April 2007

 

Acknowledged: 23 April 2007

 

Requested Default Judgement: 23 May 2007

[lateralus]

you do know you aren't finished yet don't you. as i said earlier - they will probably give them extra time to defend and default judgments are the best thing to get as dg can have them stayed, or stalled or whatever they call it - it can take awhile to get your money - but it's worth a try - my guess is they will file shortly and the courts will accept it.

[thefuture]

Hi Wednesday, just got in and straight on pc to see whats going on out there, and catch up on your progress. So You've started judgement? Seems no two cases are dealt with the same. looks like your claim is for about half mine so maybe that's the difference, I still haven't had anything from the court to confirm defence hence still in limbo and very very very bored now. Off on hols on Friday and busy packing caravan so wont be able follow anything for a week. Although it will be break from sitting here reading threads all evening, might chill out a bit, I'll be straight on here when I get back with loads of catching up to do. I'll probably take one last peek before I leave, and just hope my paperwork arrives tomorrow or I'll be wondering if anything gone wrong the whole time. Good luck hope evrything works out and you get your cash soon tf:)

[wednesday1867]

Lat: Yeah i kinda know the court will give them more time:rolleyes: , but might as well go for it,:grin: like i said in for a penny in for a pound. I've been a bit bored waiting for time to pass, i highlighted the cash for something, but can wait now, plus as im sure youve seen, im going after them for my old credit card and also for the managed loan i defaulted on, should i cca dca or HSBC? Also im going at it with MBNA too, so just gonna go full circle.

 

Future: Seems not, i rather be in your position, now they have defended, you will at least get a finish date, was hoping mine would be like yours, but hey ney mind eh Enjoy your hollibops :grin: cant see mine changing in a week, but hopefully youll have your court date either this week or definately when ya get back.

[lateralus]

don't know, i think hsbc

[wednesday1867]

I might be flush and send one to each

[wednesday1867]

Well my judgement request, was refused looks like they got a defence in today. MCOL said they have transferred it to my local court and posted the details out today, so hopefully whould know my date by this time next week

[freakyleaky]

Mine took 2 weeks from transfer to get date!

[jowalshy]

Mine took from the 12th April to 9th May to get a prelim hearing date of 25th July.

[wednesday1867]

My mistake, lady on phone said they have sent the papaers out, means i've got to wait for the court to give me a date and all ill receive next week, is the defence etc.

[wednesday1867]

Does MCOL normally say defended?

 

My MCOL still shows as ackowledged 23/04/07

 

Judgement Rejected 24/05/07

 

I spoke to customer services last week about the judgement and they said it had been transferred to my local court, i took this to mean, DG had put a defence in, so is it normal for MCOL not to change to Defended or anything else?