Jump to content


  • Tweets

  • Posts

    • ive already CAREFULLY explained how it all works earlier. what you will have to pay is already preset and detailed on the court forms/TfL stuff you already have. you wont be asked any questions upon your financial means etc. thats not under debate . you wont be asked upon any mitigating circumstances, you have pleaded guity which you always SHOULD.  the ONLY 2 reasons you are attending is to: 1) after finding the TfL prosecutor... plead directly face to face before you go in to try and get an OOC (you can bring up or say anything/everything you like ...anything that might get them to agree) 2) if 1 fails...show your genuine remorse face to face to the magistrate, BRIEFLY mention how a criminal record would hinder your future then hope they take pity on you and dont also record this on your file.  PS its only declarable/shows there for one year anyway. regardless to what an employer might ask in job questionnaires past 1yrs you forget about it. they cannot see it even on enhanced DBS etc etc. you should not latterly ever appeal a criminal record for this type (1yrs)  of 'offence' its not worth it and if you lose said appeal it will cost your dear in terms of additional wages grabbing and court fees. and extends the time it shows if you lose too. dx  
    • hit letter of claim follow post 2 despite repeated requests, the claimant has failed to produce any enforceable paperwork.
    • FTMDave - your cold light of day suspicions are correct, alas. Just had this back... Thank you for your email. I was very sorry to learn that you recently received a parking charge notice after shopping at our Kearsley Manchester Rd Express store. I appreciate this is always frustrating, especially as you'd just nipped in for the one item. I've had a look, and I can confirm that in this case the car park at this store is entirely owned by a third party - it is not owned or operated by Tesco in any way. The parking charge issued is on behalf of that third party, although I appreciate it does state Tesco on the letter. Regrettably as the car park is owned and operated by a separate company we don't have any form of influence or control over the parking charges issued. In this case, I can only recommend that you follow the appeals process outlined on the letter directly to take the matter up with UKPPO directly. I'm sorry that I cannot offer further help in this case.  Please do not hesitate to contact me again should you require anything further.  Kind regards Ewan Kelly Customer Service Specialist On behalf of the Chief Executive’s Office
    • The IMF estimates Russia's economy will grow faster than the likes of the US, UK and Germany this year.View the full article
    • Ye thats fine. They should come back before the date of your defence BUT   IN ANY CASE YOU MUST FILE YOUR DEFENCE. DO NOT AWAIT THE PAPERWORK PAST YOUR FILING DATE.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
        • Like
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CatLover64 v HSBC


Catlover64
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4387 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

Need some advice re: HSBC. Have sent letter requesting charges to be refunded. Standard letter received saying they will look into the matter. LBA sent 2 weeks ago, no response to that, so will be issuing court proceedings shortly.

 

However, 10 days ago tried to withdraw funds via Link. The machine swallowed my card, which I found very strange considering I have been a lot more O/D in the past than I am now. The cynical side of me wonders if this was anything to do with the LBA I sent earlier that week? ;)

 

Anyway - after trying to call, and getting nowhere, have prepared a letter to be sent to my branch asking for their comments.

 

My question is: Will sending that letter prejudice my case or should I wait until proceedings are complete?

Link to post
Share on other sites

  • Replies 331
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

I don't think it will prejudice your case but I don't think you will get far with them that way. i would call into your local branch and ask whats going on. You should get an answer sraight away. Continue with your claim as advised on this site and just shout if you need help along the way.

Welcome to the forum and good luck:)

Link to post
Share on other sites

I don't think it will prejudice your case but I don't think you will get far with them that way. i would call into your local branch and ask whats going on. You should get an answer sraight away. Continue with your claim as advised on this site and just shout if you need help along the way.

Welcome to the forum and good luck:)

 

Thanks very much for the advice and encouragement. One other question I wanted to ask:

 

I saw on this website there is a template for asking for the defence to be struck out. Has anyone used it and has it been effective?

Link to post
Share on other sites

Hi,

If you read some of my thread you will see that when I sent in letters asking for a refund they completly ignored two letters, and on the final day of the deadline they try to bluff you saying they have 8 weeks to respond they try all tactics, did you send your letters in recorded delivery?

Go ahead with court proceddings as you will not get a response, let me also tell you when they know you have put a claim in they are tending to get nasty as I went overdrawn although I put a cheque in to cover I've never had any problems with this in the past and they are now threatning to withdraw cheque book overdraft etc...

 

I think there is some really good people here though that will help you through this so get that claim form!!!:-)

Link to post
Share on other sites

Hi,

If you read some of my thread you will see that when I sent in letters asking for a refund they completly ignored two letters, and on the final day of the deadline they try to bluff you saying they have 8 weeks to respond they try all tactics, did you send your letters in recorded delivery?

Go ahead with court proceddings as you will not get a response, let me also tell you when they know you have put a claim in they are tending to get nasty as I went overdrawn although I put a cheque in to cover I've never had any problems with this in the past and they are now threatning to withdraw cheque book overdraft etc...

 

I think there is some really good people here though that will help you through this so get that claim form!!!:-)

 

Thanks girl! :)

 

Yes - have already issued first letter asking for refund 12/4 followed by LBA on the 30th. All were sent by recorded delivery and I have the proof for both as well. The card was withdrawn on the 4th May. I am aware that they won't acknowledge my last letter far less pay out, so am gearing up to issue court proceedings shortly. This is why I've drafted the letter asking the bank for comments, which will also be sent by recorded delivery. In the latest letter, I did ask if withdrawal of the card might be termed as retaliation for the refund request? If it was, another complaint will be raised with the FO....:grin:

 

I have the parachute set up and ready to go, as suspected HSBC may well try to recall the overdraft.

 

Will keep you posted if you'd like? :)

Link to post
Share on other sites

I must say I think you have done the right thing writting this letter for the reasons behind withdrawing your card, I havn't heard of them going this far this may be because they are geting that p...ed off now with the amount of people putting claims in and as others say there stratagys are changing by the day just make sure youve got that new account open. I cant see them admitting to this being the reason if you get a reply at all you'll be lucky!

Link to post
Share on other sites

Hmmm - have now sent the letter to my branch asking why the card was withdrawn. Don't think I'll be getting a response, far less the card back, but it'll be interesting to see.

 

But - in view of the Lloyds TSB ruling earlier today, I see the judge has ruled that the 'fees' charged were lawful in his view. I appreciate this does not set a precedent, but have another question:

 

I note from the online statements I took down from the 'net, that from Dec last year, instead of 'Total Charges' as before, I see they're now listed as 'Notified Fees/Charges'. Although I've added these on to my claim, might the bank now be able to challenge these from now on as 'Fees'? All I did was simply go through the statements adding on everything shown as 'Charge'. It did not specify what the charge was for....

 

Any pointers or advice gratefully welcomed. Thanks!!:)

Link to post
Share on other sites

Hi,

I recall somebody asking the same question on a different thread.

I think the reply was this is another of there new tactics, as they are now calling a fee for going overdrawn a unarranged loan, the reply was it doesn't matter what they call or name it you can still a charge.

 

This is the first I have heard about Lloyds winning a case today now I am starting to get worried!

Link to post
Share on other sites

Hi - can anyone give me some advice? As I said on earlier posts, seems HSBC are now calling the Total Charges Notified Fees/Charges instead. I assume I can still claim these back?

 

Also - did anyone see the article in the Daily Mail today? Very good article which I shall cut out and keep. It was all about reclaiming charges, and FAQ's. Thanks in advance.

Link to post
Share on other sites

Hi - can anyone give me some advice? As I said on earlier posts, seems HSBC are now calling the Total Charges Notified Fees/Charges instead. I assume I can still claim these back?

 

Also - did anyone see the article in the Daily Mail today? Very good article which I shall cut out and keep. It was all about reclaiming charges, and FAQ's. Thanks in advance.

 

Anyone else able to shed some light on this? Thanks! :-D

Link to post
Share on other sites

Thanks Sharongina and pucc!

 

Another question now - I remember there is a template on this site (I think) which asks for the bank's defence to be struck out.

 

Where is it? Has anyone used this? And was it effective??

 

Thanks!

Link to post
Share on other sites

Thanks Sharongina and pucc!

 

Another question now - I remember there is a template on this site (I think) which asks for the bank's defence to be struck out.

 

Where is it? Has anyone used this? And was it effective??

 

Thanks!

 

Bump, bump....8)

Link to post
Share on other sites

Hi Catlover,

I am so concerned about this Lloyds win that I have sent in a letter followed up by an email to all people I am aware of at D&G, I kept sending the e-mails over and over until I have a reply, to 5 people in total im going to keep pushing them, heres what I sent totally of the back of my head with a few things picked up from threads on this forum.

xxxxxxxxxxxx

Oswestry

Shopshire

Sy11 xxxxxxxxxxx

 

(CLAIM NO. xxxxxxxxxxxx)

 

Dear Sir/Madam,

 

I am writing in respect of my claim which you have acknowledged the fact you intend to defend. As you will be aware I have sent into you again a list of charges and a offer of settlement. It is advised during the claim process both parties are encouraged to negotiate and try to settle before a claim will end up before a judge.

 

I have not received a response from you in respect to my full and final offer of settlement, I am well aware you have such a large amount of claims which may be back logged and you are working on strict dead-lines. My full offer of settlement is very reasonable as to the fact I will not need to include any more interest which has now accumulated since the original claim was filed back in April, and this would also benefit you as to the fact you have large backlogs of claims, this would be one less claim which needs addressing and would be finalized.

 

I would be most grateful if you would acknowledge my letter sent into you and this e-mail, most importantly whether you intend to accept my full and final offer of settlement which I have offered.

 

I would like to make it clear I reserve the right to my confidentiality and would ask for a speedy reply to my offer,

 

Yours sincerely

 

Sharon Gina Williams

________________________________________________________________________

 

 

AOL now offers free email to everyone. Find out more about what's free from AOL at AOL.com.

 

________________________________________________________________________

 

AOL now offers free email to everyone. Find out more about what's free from AOL at AOL.com.

=0

 

________________________________________________________________________

AOL now offers free email to everyone. Find out more about what's free from AOL at AOL.com.

=0

Link to post
Share on other sites

I cant believe my luck I just received an e-mail from Kate from D&G,

 

nothing to go mad about though just to say claims are being dealt with in strict dated order, but its a start and I am going to keep forwarding this e-mail until I log her e-mail inbox up (ha ha)

Link to post
Share on other sites

Hope she doesn't read that!!!!!!

 

:D!! At least you're further down the road than I am....

 

Will give HSBC another week or so before I file my claim. Nothing at all to do with the fact I'm skint until then of course ;)

 

Keep pushing - they'll eventually cave in under the onslaught! :cool:

Link to post
Share on other sites

I am just wondering have you managed to find out any info. on this template for the judge to strike the defence out?

 

Also does anyone know whether any old terms and conditions are floating about from HSBC, as this appears to have been part of the down fall regarding the Lloyds win, I need some!

 

Time to send some more e-mails into D&G!

it will take them an hour to delete mine on Monday morning, this has been one of the stratagys of someones thread I recall reading, Im sure it was netty who sent 100 e-mails a day in, but achieved a settlement!

 

Sharon

Link to post
Share on other sites

Hi Sharon, I think there is a strinking out thing on the "no AQ" thread. I will try and find it for you and post a link. As for t & c's. I phoned the printers of them this afternoon. The chap told me to call back Monday and ask someone in the office (he was a printer man). As the printer are not far from me I will pop along on Monday and ask for as many as I can get dating as far back as I can get.

[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

Link to post
Share on other sites

PEOPLE, PLEASE READ THIS IF YOU'VE BEEN FOLLOWING THE ABOVE EXCHANGE -

 

The advice to bombard DG with e-mails, faxes, letters and phone calls was deemed to be excessive and counter productive at least two months ago. Replacing it is the nudge letter to DG every 10-14 days after you have received a copy of their defence (after the 28 day period following the filing of the claim). PLEASE DO NOT DO THIS.

SG, I've told you what I think about this on castlebest's thread where i first saw what you were doing. I#m hoping you have seen this and will stop immediately - what you are doing is verging on harassment and you must not send them anything else, please. I'm sorry you picked up on an old thread.

And for anyone else thinking it is a good idea - it is not!!!!! please don't do this.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...