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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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KPS_UK v HSBC


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bit crap the PDF (N1) doesn't leave enough rrom to copy the claim details in, guess I'll have to hand write it now!

 

So I send this to my local courts not the bulk claim place in Nottingham (where ever)?

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Should have thought of that (Friday night syndrome!).:)

 

Couple of question with the N1 sheet

 

The last section on page 1 says VALUE does this literally mean the value of the claim? Just wondering because there's the bit in the bottom right corner for the amount of the claim too.

 

And at the top there's a box that says In the then a blank space, is this for me or Court use?

 

As for the Brief details of claim section, I managed to fit the details in. I just used the basic details from the template page

 

1. The Claimant has an account XXXXXXXX with the Defendant.

2. Since DD MM YYYY the Defendant debited charges & interest in respect of purported breaches of contract.

3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent.

4. Claimant contends:

(a) The charges exceed the Defendant's losses caused by the breaches.

(b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999 and at Common Law.

5. Claimant claims:

(a) Return of the amounts debited of £X,XXX.XX.

(b) Interest per S.69 County Courts Act 1984 of 8% (£XXX.XX).

6. Costs allowed by the Court.

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Where should I send this N1 small claims letter to?

 

is it the same address as the covering letter and summary of charges

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Or is it the local County Council (Chester).

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Or is it the local County Council (Chester).

 

:p you might have more luck if you send it to the court!!

 

seriously now - you only need to send that if youve filed online so they can attach details to your claim.

 

If your doing the N1 route everything goes in at once either by post or hand to your county court.

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Oh gawd my humour is spreading,,,

 

Send it or take it to your local county court, its quite fun to take it cuz you can chat to the staff a bit, they tend to be very helpfull when you go see them in person, they can tell you how the land lies with bank claims at yout local court and they generaly will have a read of your N1 to make sure nothing is missed.

 

pete

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:p you might have more luck if you send it to the court!!

 

seriously now - you only need to send that if youve filed online so they can attach details to your claim.

 

If your doing the N1 route everything goes in at once either by post or hand to your county court.

 

 

Oh yes County Court :roll:

 

Cool I might just take it in by hand, at least I know I git everthing done for them

 

Cheers Pink/Castlebest

 

By the way, have you still got HSBC accounts? Just wondering because as I said earlier, I've been £85 & £100 over the past 2 months but recieved no fines for either! Normally I'd be hit with the maximumk £120 for that! Wondering if this is ralated to my letter or a change in HSBC charging policy?

 

Seems a bit odd.

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Final question (I think)...

 

The 8% interest, is that on the charges as a whole? The reason I ask, is because I believe it in an annual rate chare, so I was just wondering if I have to add up the 8% per year or just on the charges as a while?

 

PS: Despite my previous claim of no longer being charged, I have just recieved a whopping £150 charge which they will take off me on the 12th July, which will mean I'll finish the month about £200 over!!!!

 

So guess I'll add it to the list.

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you cant add it on if youve filed your claim. (unless you do an amendment at a cost of £35)

yes it is 8% of the whiole charge and is worked out on the spreadsheet from the date of the charge to the date you file your claim. Then you work out the daily interest & add that on as you go from the filing date to the date of settlement

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  • 2 weeks later...

Simple question,

 

Does anyone here know where I have to send my claim in the Chester area?

 

I have looked and looked and looked but I can't for the life of me find an address to send my claim to.

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I think that this is the address for the court in Chester.

 

Trident House

Little St John Street

Chester Cheshire

England

CH1 1SN

[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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The civil court does all of these:-

 

  • Civil
  • Divorce
  • Family Work
  • Adoption
  • Appeals
  • District Registry
  • Mercantile
  • Chancery
  • Technology and Construction
  • Civil Partnerhship Dissolution
  • Bankruptcy

But there's nothing on Small Claims.

 

but reading this site [http://www.netlawman.co.uk/crown-courts.php], i suggests that there is no such thing as Small Claims anymore and .

gives me Chester Crown Court as the address

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  • 2 weeks later...

OK I have a very vague question to ask people about their claims.

 

I have missed my day for my claim to goto court (by a few weeks actually as I've been soooo busy) so I got it all rpinted off and was ready to send it over the weekend, when I receieved this letter today.

 

All it says is:

 

"Further to our letter dated 28th Junewe have recieved no response from you

 

If you do not response within 7 days we will consider the matter closed

 

Your sencerely

 

Mark loker

Service Manager"

 

Now this letter might in no way be related to the claim, but I have never recieved a leter like it before from HSBC. The only snag is, I don't remember recieving any letter on the 28th (or since my initial letter stating they were looking into it), so I don't actually know what they're on about. The thing that makes me suspiious is that it's strangley vauge "further to our letter dated" no mention of what is was about or anything.

 

The obvious answer is to call them, but that will have to wait until Monday, until then I was just wondering if anyone has erecieved anything similar.

 

Guess I'm jumping the gun, but I hope it was (the 28th June letter) an offer. I already decided I'd accept anything from 75% upwards of my claim if they made an offer.

 

Anyways, if knowone does know what it's about, doesn't matter. Guess I will just have to find out on Monday.

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Yes pink, just been into my branch. It was an offer and it sounds like it was for the full amount!

 

Funny how I recieved the original "we're looking into it" letter and the "7 days to respond" letter but never the actual offer.

 

I done some digging around and seems others have not recieved the actual offer (is this HSBCs new tatic?)

 

Well I've been on the Tel Banking and they said they will send it again (whether I believe them I don't know), also gonna email them for it, and send a message through I-Banking. Then gonna phone them AGAIN on Monday. Also think I'll send them a written offer quoting the reference number too.

 

Full belts and braces approach, so there's no way they can say I didn't respond.

 

Would be great to get this finished without having to goto SCC.

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Just to add to this, the 08456 028006 number at the bottom of the letter I recieved is useless, spent around 20 minutes on hold through out the day and probably about £7 of credit on my hone waitiung to get through to someone!!!!

 

So think I will just hassle the Telephone banking repeatedly for the nbext few days until I get my offer letter again.

 

PS sent my own written acceptance to them today, so at least they have that.

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Well I finally got a result out of HSBC, but it's a bit of a weird one!

 

Friday I finally got though to Customer Services (good luck with that one!) but was told that my letter sent accepting their offer was not enough and that I had to sign the offer letter sent 28th June or the letter sent last Tuesday, remember NEITHER OF WHICH I HAD RECEIVED!!!

 

Then suddenly about 10am after that call Friday morning I had a call back which I missed about a minute later another call which I again missed! Then a 3rd about 10mins after that which I answered, and the conversation went something like this:-

 

HSBC - "Hello, It's Charlotte from HSBC, I spoke to you earlier about your claim for refund of charges."

KPS_UK - "Oh, hello"

 

HSBC - "Hi, I just phoned to let you know that literally moments after we spoke, the system UPDATED ITSELF and I see we have now RECEIVED YOUR ACCEPTANCE FORM" (the form I myself have NEVER received!)

KPS_UK "OK"

 

HSBC - "Yes so we have received your acceptance so there's no need to send you another copy, the money will be in your account within 14 days"

 

KPS_UK - "Excellent, thanks a lot"

 

Amazing, so basically 10 minutes after asking for a 3rd opy of HSBC's offer to be sent, because I haven't received the previous 2, HSBC phone me back (3 times in about 15 minutes) to tell me they have received my acceptance form!

 

Anyway money's on it's way, so another result!!!!! :-D

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