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    • See what you think of the attached. I have to do some proofreading of an English grammar book for an Italian publisher this weekend - for money! - so I'm afraid corrections and suggestions will come in dribs & drabs.  I've totally knackered the layout, the numbering and the order of your Exhibits but there will be several versions done so don't worry about that ATM. Your arguments are superb. What is less superb is the way you jump from one to the other and back again, so I haven't changed your words, but I have moved the paragraphs around and given each section a heading. New bits are shown in red. Crossed out crossed out in black is something you've quoted from the government Code of Practice, but that has since been withdrawn so unfortunately that argument has to go. Your paras 7 & 8 don't harm your case but to me are waffle and can go.  Keeping the arguments clear & concise will always impress a judge. IMPORTANT - did you ever send Simple Simon a CPR request? Defendant's WS - version 2.pdf
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    • Hi Schipoo and thanks for the update. This is a brilliant result as rergards your fight with HMRC. If you can manage a Donation to the site, it would be greatly appreciated. Let us know how it goes as regards the fees being sought by Independant Tax.
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    • Worth noting that all of these firms - either the alleged EIS investment, the rebate company themselves or the payee were all registered to the same address. Clavering House is 3 miles away from HMRC Benton Park view offices.   Wardrop - unfortunately unsuccessful due to late appeal - assessments opened by HMRC in March 2019. Scammed by Richard Hall (Capital allowances consultants ltd - Clavering House) investments into Cryoblast Limited 15/16 (Paul Huggins - Clavering House) and Eco Cooling solutions 16/17 (Anthony Fitches - Clavering House).    Mccuminsky - scammed by Capital Allowances after providing his details to Stefan Brown Alpha Tax Consultants (Clavering House) payment made to Eco Cooling Solutions.    Robson - scammed by Capital Allowances - 15/16 paid to Cryoblast 16/17 paid to Eco Cooling.    Myself - scammed by Allan Maxwell - MaxTax (other business Maxwell electronics) registered to Clavering House.   Cryoblast Solutions and Fast Tax - Alan O’Hara    Please note there are two Cryoblasts involved - Cryoblast limited (Paul Huggins and Clavering House) and Cryoblast Solutions Limited (Alan O’Hara also director of Fast Tax).    My return simply said “Cryoblast” another thing that should have been clarified as part of HMRC guidelines before paying out the claim.    Cryoblast limited was already suspected to be involved in fraudulent claims before my investment as Huntly had open assessments issued in November 2018.    Cryoblast Solutions, the same company director as Fast Tax where my money was sent was dissolved before my claims were submitted. 
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Laddie18 vs HSBC


laddie18
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Just read the Lloyds TSB 'victory'!

i wonder if any of the mods could put what it means it laymens terms for us thickies if possible.

I am probably worried like most other people on here what this means to us.

 

Many

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Just read the Lloyds TSB 'victory'!

i wonder if any of the mods could put what it means it laymens terms for us thickies if possible.

I am probably worried like most other people on here what this means to us.

 

Many thanks in advance

 

John

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john - still thinking about that managed loan thing - apparently this is the very first step - if they can't provide a signed copy of the loan agreement then it may be unenforcable. here's the letter - and read around the thread a little you'll see a few are trying it...

 

Re:− Account Number Here

 

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. (Send with postal order for £1 by recorded delivery)

 

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.

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Thanks Lat,

 

Just cut and pasted will post tomorrow, anything is worth a try...

 

Again, the knowledge of the people on this site (especially you) amazes me

 

John

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Just been reading all the fallout out from the Lloyds case on the net.

 

Would be nice to hear from a qualified legal eagle on what their thoughts are on the case?

 

It is not going to put me off, i will be going through the paperwork and reading up more thoroughly as should everyone. it sounds to me like we should all be able to produce t&c of when we took put the accounts with the banks?

What do other people think>

 

John

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Hi Lat,

 

Just been thinking about the managed loan thing, i have not done anything about it yet.

I am going to ask them for an overdraft to cover the Overdrawn amount on my account and explain to them that this is going to be a hell of a lot cheaper then me taking out another managed loan.

I think that their reply may go along the lines of NO as i do not have a good credit score etc, but surely if they are prepared to offer me a LOAN they should be prepared to offer a temporary overdraft (temporary until i get my excess charges back from them (should i mention this?)).

 

Wonder if anyone else has any suggestions?

 

Cheers and the beers will be on me once all this has been sorted.

 

John

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why not say to them something like = i am expecting some money in within a couple of months, so were you able to extend to me an overdraft for a couple of months - i will be able to pay it back -

and if they ask where it's coming from - you might just say from DG Solicitors. you just know they wouldn't be that helpful - when they could get you onto a managed loan and be able to charge you 20%. i really, really get mad when i think of those damn loans.

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It has just been on the 10 o clock news on the BBC with a little piece about the Lloyds 'victory'. They basically turned round and said that this holds no precedence on everyone claiming their money back!

 

Any one heard how Stax got on, i believe today was the day for court?

 

John

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  • 2 weeks later...

The postman has just delivered 13 envelopes from HSBC for 2 accounts (2 years missing on 1 account!!)

 

1 account worth £624

1 account worth £388

 

Thought it was going to be a lot more.... but never mind!

Prelim letter goes off for 1 account tomorrow, will give them another couple of days to get the missing statements to me...

 

How is everyone? What has been happening as i have been away with work for 2 weeks nearly. Its amazing how you miss how other people are getting on!..

 

John

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Hi All,

 

Postman turned up this morning with the missing statements.

 

Prelim Letter going off today to Colin Langdale

 

Account 1: £1013.50

Account 2: £388.00

 

Heres hoping for a quick settlement!!!:)

 

John

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Just recd a settlement letter from Intelligent Finance, as it is a little quiet over there i wonder if someone would have a quick look at my no thank you letter before i post it.

Cheers

 

John

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where is your no thank you letter? Is it on another thread, if not, post it here or PM someone (or me) and we will take a look at it.

[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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Just click on my name and then click on send a personal message.

[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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