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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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jailbird -v- HSBC


jailbird
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Some people never hear from HSBC and only hear from DG the solicitors. Others will get a number of letters. Most at some point get a letter from Colin Langdale saying that he is investigating matters. What you will find with all the communications, settlements and court processes is that HSBC/DG do not play to a set pattern that you can predict. So all you can do is be patient in the knowledge that at some point in the next few months you will get your money back. :D

Guide to claiming back your bank charges

 

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

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Hi Jailbird. I got a letter from Colin Langdale of HSBC 10 days after I sent my first letter asking for money back. I havent heard anything since and from all I have read on here I dont expect anything until I take court action. You sound like your at pretty much the same stage as me so keep in touch with your updates and I will do likewise. I sent my LBA on 12-4-07.

 

Chipper.

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Hiya JB, what stage are you at what do you want to hear?

We can tell you what to expect, how HSBC work and what to do, or at least point you in the right direction and tell you what to read but we need to know where you are in your claim.

pete

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Hi everyone,

 

May thanks for your replies. Chipper I sent my LBA 10/4/07. I have not had any correspondence at all from the start and from reading other threads I thought I should perhaps have had a letter saying they are looking at my request and will be in touch with me at a later stage..........or am I just so frightened of all this that I am looking into it too much ?? Now having sleepless nights about this. Would very much appreciate help

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There is nothing to be nervous about, its a straight forward procedure which is all detailed in the "sticky" threads at the top of the first page of the HSBC forum. Anything you don’t understand or aren’t sure of just ask here and we will help you.

Once you start your claim you will find there are long periods of time when you are just waiting to reach the next deadline, this gives you plenty of time to read up on the next step and make sure your ready for it. Just take one step at a time and with a little patience you will get your money back.

pete

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Can anyone tell me will the form for charges come up after I have completed the MCOL or do I have to go to a different site to complete this ? Sorry to sound stupid but cant seem to find link on MCOL site. Many thanks

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Hi JB. Once you have filed your MCOL you will need to send them a copy of your charges with a covering letter requesting them to attach it to your claim. I will dig out the letter for you and come back.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Here is a copy of the letter I sent:-

 

The Court Manager

Money Claim On Line

Northampton County Court

21-27 St.Katharine’s Street

Northampton

NN1 2LH

 

xx April, 2007

 

Dear Sir/Madam,

 

xxxxxx –v- HSBC Bank Plc

Claim Noxxxxxxxxxxxxxx

Date Issued: xx March 2007

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount in my claim, namely £xxxx.xx, plus the court fee of £xxx.xx.

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Thanks for that jowalshy but I wanted to know where I will find the form to complete for the Court Fee. Is it on the same site as MCOL ? or should I have completed that before I filled in the MCOL ? Many thanks once again

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When you file it with MCOL they'll add it on from within the site.

 

Have at look at post 3 in http://www.consumeractiongroup.co.uk/forum/hsbc-bank/83664-bubbles10vhsbc.html Gimmemymoney explains it beautifully as always :)

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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on MCOL you put the total value of your claim (charges + interest) in the total claim box and then press calculatre button next to the court fee box. This then calculates how much the fee will be.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Hi have checked everything ready to press send button tomorrow and find I now have other charges. Is there a template letter for adding the extra charges on to inform them. thanks

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