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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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curlysteve
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My story started a few years ago when HSBC deposited several hundred pounds into my account by mistake. I foolishly spent it and then got a letter saying about the mistake and that I must repay it imediately. I couldnt, so they set up an overdraft for me. this went from bad to worst, so they set up a loan, which I couldnt afford to pay back. so then I had a loan and a overdraft that I couldnt repay. They closed my account and sent my debt to a collection agency. Recently I found out that I could reclaim the charges, so sent them the relevent requests, I didnt hear from them so I started the process of small claims, borrowed the money from my Mum for the court costs. my claim was for £1625.12 including interest, plus £120 costs. HSBC entered a defence and I have just received an offer of £1228.25, which is equal to the charges, minus a small mistaketaht I made of £35.25 for a card recovery fee which they are not willing to refund. They do not accept that the "interest" is appropriate and do not accept responsibility so will not pay the court costs. They have offered to send a cheque to the collection agency to reduce the loan, rather than pay a cheque to me. I have been paying off the debt with the collection agency. I need this money to straighten my spiralling debts and to pay my Mum back. The HMCS money claim online sent the case to wales by mistake, so I am now waiting for it to be sent to cornwall for the next stage. I really am unsure what happens next and how I should carry on...... Please help. I will be more than willing to make a donation to the cause if I finally win this case. I am also trying to get my finances together so I will not fall foul of anything like this in the future. Cheers, Curly Steve

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Hi Curly,

I would say carry on. If you have filed a claim, then you should be in a position to claim the interest and your court costs. Don't let them bully you into taking less than you are entitled to. I know it means more waiting around but it will be worth it. You should also be able to stipulate that the cheque should be sent to you (when they finally make the full settlement of course)

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Sorry, what I mean by carry on is await the court's instructions. Keep an eye on the transfer of your case from Wales to Cornwall and make sure it gets there in one piece. Then wait for the judge's instructions. Keep posting and reading in the mean time

:)

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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Thanks Russjo, its quite daunting, but comforting to know there's support out there in cyberland....! I've been skint for long enough, a while more wont matter........:)

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hi steve

 

the offer came from HSBC i presume rather than DG solicitors?

 

not sure if they have the right to pay the money straight to the collection agency - somebody else will know

 

if you want to press on & get the whole lot back then you need to do a rejection letter telling them youve now filed your claim with the court.

 

there will be lots of help offered for you here which will hopefully get you someway out of this situation.

 

good luck :)

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Hiya steve, try to get what you and HSBC are doing into perspective and ignore the whys and wherefor's.

 

HSBC charged you and took the money from your account, as it happens this was unlawful. This money is your money they should never have taken.

 

HSBC sold their debt (you) to a third party (who are probably HSBC under another name anyway) this was not your choice and HSBC have their money back from this sale.

 

Now... tell me HSBC have a right to give YOUR money to the said third party, they dont, its your money you want it in your back pocket. Stick to your guns and you will get it.

 

pete

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Thanks again.:) At the end of the offer letter, it suggests that if I do not respondwithin 10 days, they will take it that i have declined the offer. Do I need to write to them and what do I need to say...? Cheers, Curly

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Hi,

I would carry on. I claimed for 2566.41p their first offer was for about 1200 which i refused and they said they wouldnt pay any interest. But i received a letter from them this morning (only one week before court hearing) offering me 2823.81 which included statutory interest up until this date!! so now i can only encourage people to go all the way. !

Good Luck

 

P.s I would have spent it too, good way for the bank to make loads of extra cash out of someone, dangle some money in front of you and when you spend it hit you with interst on loans and overdrafts, let alone the impact on your credit rating. I'm suprised they dont do it all the time

 

Suzy

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Hi All,

I have just received a 'Standard order for stay for settlement with consent of all the parties'. I'm not sure what this means, but surely HSBC have been given plenty of chances to settle. Why should they get more time..?

The judge orders that the claim is stayed until 06 August 2007 to enable the parties to attempt settlement.

I'm confused.......:confused:

 

Anyway, hope you're all well and Thanks again....:)

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Hi steve, you need to write to your Judge and apply to have the stay set aside on the basis that you have been writing to DG on a regular basis (nudge letters) and have had absolutly no responce. here's the thread.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay.html

 

pete

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Thanks for that Pete, I have had a look and am sorry to say that I am still unsure what to actually write to the judge, and wont this **** him off...?

I'm not too clever with this sort of thing.

Thanks in anticipation

Steve:confused:

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the judges are getting hacked off with banks. The judge at my court didnt even bother with a Q&A form, and give the banks a few days to settle. They also ASKED D&G to provide any evidance to any case the have succesfully defended, as of today they have failed to do so. On monday I apply for a warrant of execution.

 

I was also offered a settlementm which I have turned down

good luck

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Thanks once again. So should I cut and paste the application for removal onto a letter to the Judge. Also, would I have to leave out the 'in the alternative', because non of these are relevent.

Cheers:)

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I found this on the HM court site:-

Applications

 

To apply on notice for judgment to be set aside £65

To apply to vary a judgment or suspend enforcement £35

To make an application on notice £65

To apply for a summons or order for a witness to attend £35

To apply by consent, or without notice, for a judgment or

order.

This does not include requests for judgment on

admission or in default for which no fee is payable£35

[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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you dont have to ask for the stay to be set aside but I think you should write to your judge anyway stating you have been trying to resolve this for x months and have had absolutly no response at all from DG, maybe listing the dates of your nudge letters..

 

pete

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  • 2 weeks later...

Hi, Now I am even more confused, I sent a letter to the judge asking for the stay to be removed and not heard anything.

I have just read about this test case witht the banks and the OFT. What does this mean in stupid persons langauge, will my case be heard or not.....? and if so, then when...

Much Thanks

Steve:confused:

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