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Laddie18 vs HSBC


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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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