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    • a CCJ does not 'expire' thus does not need any application to a court to 'extend it'. if a CCJ has not been enforced within 6yrs, then it is very unlikely any court would grant such should the claimant return to court, of which the defendant would be advised -( unless they have moved and not informed the court & the claimant such) .  
    • I contacted them when it happened. The caretaker came over, looked at it, and walked off with the tree chunks of mortar. Next morning, they had a roofer come over and enter our garden to inspect it. Friday they were supposed to speak with a scaffolding company. I had to bring up liability and potentially calling the council to report 'an unsafe structure' before they even got moving. They know all about the wedding, the preparations, our patio contractors etc. but their attitude doesn't instill me with confidence. My fear is it will end up being a legal matter which is why I posted here to hopefully receive some advice. As far as I can see, the roof is in a state of disrepair, even if it's just the mortar breaking lose due to the size and weight of the chunks - and even from ground level it's visibly clear that multiple pieces have fallen over time (though never this size so we haven't been able to identify the issue till now - we thought it was rubble left in the garden by the previous owner). Currently, we can't use 25% of our garden due to the risk of more falling mortar which is more than just an inconvenience, we can't proceed with our contractors, and at worst, it will run up in several thousand of extra expenses for us, if we have to find a wedding venue. Even if they do have it fixed in time, and we have to settle for renting a marquee and floor for the marquee and furniture and whatnot it will be additional costs only due to the neighbour's roof.
    • please create your OWN topic by hitting create or + in the top red banner  
    • It will be years before Banks would sell to a debt buyer.  Sometimes Banks will use external debt collectors to try to collect, but generally Banks don't take Court action.  So you could be looking at 3 to 6 years, before any dca owning debt looks to take any Court action. And it is not definite that this would happen. So no need to feel pressured at this stage. In the event you found yourself unemployed, you have time to engage with Banks to advise of your situation and ask for time to deal with the situation, find new employment. As long as you inform the Banks they will offer assistance they can. E.g offer payment holiday or accept reduced payment for period. What you should not do, is not contact the Banks and simply default on payments. 
    • I'd get back to them tomorrow, and explain the circumstances, that you have a wedding reception, and just appeal to their better nature. Hopefully they will be able to move sooner rather than later, especially if you go in in person and speak to them, and show them the issue.
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Hello all, I need some help with a claim. I'm new to all of this, and have only been "researching" it from today. I want to claim back from HSBC - I've been with them for as long as I can remember. I need your help on this though. I don't want HSBC to delete my account or anything and to be honest I'm scared in doing this.

 

I need some templates, and an address for HSBC to send them too, and any other support you lot have give me on this forum.

 

I do really hope that there is somewhere out there willing to lend a hand.

 

Cheers.

Kieron

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Welcome.

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.c o....hat-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started are here:

FAQs

Example Step-By-Step Instructions

Guide To Reclaiming Bank Charges **##~~~~**##~~~~ Read This First !!

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

See here:

MIS-CLAIM TUTORIAL or HOW NOT TO GET YOUR MONEY BACK

 

 

Good luck

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Thanks alot for your reply. I have read alot about the process, and seen it on TV - just never though that I would ever do it. I only thought "I could do that" a few hours ago when I saw a post on it on Hotukdeals.

 

I'll read all the threads you mentioned above, and post back here when I've done so.

 

Thanks alot.

 

Edit: One other thing, how do I go about getting the records of charges from HSBC? Do I have to send the letter or is there an easier way?

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You can send the letter or do as I did and get your statements online if your account is still open. You will find all this information in the FAQ's. Just come back with any particular questions. Someone will always answer you!

Welcome to the forum!

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Thanks alot for the warm welcome.

 

I did read about the online banking retrieval, but do you have to copy every one of the statements for the past 6 years? I'd rather send them a letter.

 

Can you fax this letter? And do you have to include a £10 cheque??

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I think I'm going to do it with the online banking method I'm just wondering when I find something that I can reclaim where do I put it to calculate?

 

Do I have to go thru each of the 72 statements and manually retrieve the charges?

 

Cheers.

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi kiewee & welcome

 

getting your figures correct from the start is one less thing to deal with later on if a mistake is made.

 

take your time. yes you will need to go though each statement to pick out the charges. mark each one with a highlight pen or a cross so that you can identify them easily when youre transferring the info onto the spreadsheet.

 

good luck :)

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Thanks all for your replies. I'm going to send off my letter requesting them, because I don't have a printer and I don't have the time to print 75 pages... :p

 

If anyone can help me find a list of any charges that I can reclaim, I'll be forever in your debt. (No pun intended)

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Hello all. I've just calculated what HSBC owe me. £1,787.59 (£1,471.00 without 8% APR Interest). One strange thing though, over the past 6 years the only charges that were aplicable to be refunded upon, were "TOTAL CHARGES".

 

Anyway, I'm happy! Now, I'm going to choose a template letter, change the details to mine, then post it together with this excel printout.

 

One more thing. Should I ask for the money with the extra £316.59 interest on top? If I don't do I just delete the column with the interest in?

 

Thanks for all your help.

 

PS. For the letter, should I use this template? (http://www.moneysavingexpert.com/redir/d8af30af)

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Hi, Don't include the Interest until you file at court.

 

Regards.

 

Scott.

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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