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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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My thread - total noob sorry


Adey_73
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so if you sent your lba on 19th march, you should have filed your claim in court on 2nd april. hsbc don't always respond to your prelims or lba's and it's best to stick to your own timetable. it's your claim, not theirs!!

 

read through as many threads and faq's as you can before you file your claim so you get a good idea of what's likely/not likely to happen adey... that way, you'll not be in for any surprises along the way.

If i've been helpful in any way....then tip my scales over there!

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Yep, as ever netty is right. Stick to your timetable and get your MCOL in now. HSBC have had more than enough time to respond.

 

Good luck!

Donation made 12/02/07 just cos being here is the best displacement activity I've had in years

 

 

The most useful post on the whole CAG site - find what you are looking for A-Z! http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

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adey, before you start you must do your homework. you are going to take a bank to court for your money back, so if you don't understand what you are trying to do from the outset, you'll be ripped to shreads. read the following links i'm sending you and get a better knowledge before you file in court. get it right and you'll be fine. make mistakes now and they'll be harder to correct (and costly)!

 

FAQs :::::::::::::::::::::::::- PLEASE READ THESE FIRST!!!

 

6. Interest calculation spreadsheets

 

Charges description on statements - Please Read

 

start with these for now... come back if you need any help ok

If i've been helpful in any way....then tip my scales over there!

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Guest ChloeJane

Hello newbee!

 

We talked in chat and spoke about the next step!

 

Adey - spreadsheet! Don't be too keen to jump ahead or it can cost you your claim.

 

Read this on interest!

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=4

 

Read the next one to get the spreadsheet. For now the simple version should be fine.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=5

 

THEN AND ONLY THEN - when you have worked out the fees....look at below..

 

 

P>S NO CHEATING!!!!!!! IT HAS TO BE RIGHT!!!

 

(comment made after speaking! - meant with a smile!)

 

 

The next step is the court process.

 

Options from here are!

 

You can apply for an exemption through the court when you file your claim so it is worth a read and if in hardship, worth applying.

 

http://www.hmcourts-service.gov.uk/H...fl ets_id=172

 

While it appears a daunting process from here, its not really. Its a series of steps that get you closer to your claim. Use the chat room and your new post here, to gain the support you need.

 

The links below take you directly to templates and all you need to start the process.

 

Make sure you read it through to be informed of choices and if you are stuck for answers, post back on your thread and someone will direct you with a right reply.

 

 

So your options are -

 

Money claim online - No fee remission

 

5. Money Claim On-Line (MCOL) Particulars of Claim

 

 

Preferred personal recommendation! IS N1!

 

N1 at your local court. - Fee remission

 

4. Particulars of claim - N1 - hard copy version

 

When you click on this link at the top of the page is the form you will need and linked to a pdf document. The template and example there can be copied and pasted.

 

That should keep you reading and informed for the next step after the letter.

 

Good luck and if you need help look me up in the chat room!

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well, after that chat i recalculated my charges and interest and completed my N1. Sent them off in the post yesterday. Just got back from work and have received an offer from HSBC.

 

The charges I calculated they owed me was £1180 charges and £292 interest on those charges. (Not overdraft interest but the 8% calc).

 

They have offered £1019....

 

What do you advise? Bear in mind if I act quickly I could stop the court action (£120).

 

They state that some of the charges are over 6 years old, thats only because its taken them so long to reply to my letter!

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that would all depend on your circumstances and how fast you needed the money!! it's up to you.

 

whatever you do, good luck/happy spending and well done!

 

(that was quite painless!):)

If i've been helpful in any way....then tip my scales over there!

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called HSBC service centre today to discuss their offer, took over 25 minutes to get through to someone! sent of my rejection letter shortly after, hopefully they will send me an increased offer before the 2 week deadline I set out..otherwise I'll resend my N1 - last one was returned because I forgot to name the defendant, simply putting HSBC will not do!

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  • 3 weeks later...

Well, I received an offer of my bank charges only, £1160, which i accepted. I was asking for £1450 in total so the offer wasnt far off and to be honest i wasn't looking forward to going to court. Checked my bank balance this morning and the Charges have been refunded. Took them about 5 working days to process.

 

Just like to say thanks to everyone who helped me. The advice I received from everyone here was brilliant, spreadsheets and sample letters were invaluable.

 

Thanks again peeps.

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