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    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and 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.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) 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.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
    • I see they're trying to round up asylum seekers and lock them up for about three months so they can be put on planes to Rwanda. I'm a bit surprised that this is legal.  
    • thought for the day "Prime ministers need a big strategy that tells you where you’re going, you need a bunch of tactics that get you there, and you need the ability to take everybody else with you."   Now I know you are all thinking 'why is the  UKs destination Rwanda ???
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    • 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.

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Thompson v HSBC claim started


moggy1968
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well, here we go, hold on for a bumpy ride. HSBC returned a payment which would have put me just £28 overdrawn, the fees are more than the OD would have been, so now they have opened the floodgates and the whole claim for the last 6 years will be going in.

I'll keep you posted

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  • 3 weeks later...

Well, received my 6 years of statements today, in 35 envelopes! at £30 a letter I reckon thats cost them a few bob!:rolleyes:

 

have just finished totting up the total and its £3566 - holy moly, I was reckoning on about half that! The total was helped along by over 20 charges in one month totalling over £500, now thats just silly!!

will check in the step by step guide tomorrow to see what letter I have to send next, then I shall go and put the deposit down on the ferrari (in my dreams, sadly this will all go on the managed loan I had to take out with HSBC after they cut my overdraft limit to £1500 below what my actual balance was, hence the 20 odd charges above:-| )

 

nil illigitimi carborundum

 

HSBC £3566

Lloyds TSB £1379.50

MBNA £TBA DP letter sent

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this is new to me, claiming, using computer and chatting to a screen. I want to reclaim bank charges from hsbc and halifax but am very worried that i may be the first person to lose. i am not a lucky person! any help from anybody with more experience than me would be very helpful.

carol wild

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Unlucky! don't talk to me abut unlucky! I'm like Midas, except everything I touch drops to bits!!:wink:

there is always the risk you could lose, but you won't be the first, that'll be me!!

Thing is though, all you stand to lose is a bit of time and maybe a hundred quid or so. they can't get legal expenses off you. Given the probability of wining it is well worthwhile. It is a lot of work, but then, how long would you have to work to earn £3500!

good luck with your claim, make sure you read the FAQs and the step by step guide as well as as many posts as possible. Following the formula gives you a much better chance of winning.

Andy

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  • 2 weeks later...

talking of unlucky - my computer blew it's hardrive last week and none of the data could be recovered, fortunately an unexpected side product of this site is that I have posted all my comms on this on here so can get the dates from it, also because I used the standard letters I know what the wording is. needless to say HSBC haven't responded so the LBA goes off today.:p

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Ha, got a letter from HSBC on saturday, the day after I posted my LBA offering me £2000. I did debate whether to take it, it's a lot of money and it would come in handy right now, but have decided to tough it out for the full amount. :p Looking at other peoples posts it is only about 3-4 weeks before the full amount is sent anyway:o

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  • 3 weeks later...

NO word from HSBC so I have filed on Moneyclaim today, which means I also get to claim a big wad of interest too, whoopee!!

 

If anyone is any doubt as to whether to claim the interest, it is a lot of hassle after all for 8% then look at how much difference it has made to my claims, I was gobsmacked! Using the template in the library it is actually very easy and I would advise doing it initially for your scale of charges, even though you don't need interest calculations at that stage, as it saves re-entering the data later.

 

MBNA £999.00 + £708.15 interest @24% LBA sent 11.08.06.

Lloyds TSB £1409.50 + £194.03 interest @8% LBA sent 11.08.06.

HSBC £3602.50 + £727.88 interest @8% Moneyclaim completed 11.08.06.

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Quick question 4 you moggy, did you reply to the offer you got after the LBA or did you got straight to MCOL...

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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Hi there,

I sent them a letter saying it wasn't acceptable, although you don't have to as it said in their letter that if they didn't hear anything they would assume you weren't going to accept it.

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sounds like they wern't expecting you to accept then lol (I wonder why)

HTH (Hope This Helps) RDM2006

 

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Cheers, I think I will just go straight to MCOL today as I have received a response... Wish me luck..

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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  • 3 weeks later...

OH YES!!!!!!!!!!!!!!!!

letter from DG today waiting for me when I got home offering the full amount in settlement. I will sign the confidentiality agreement as I don't want to rock the boat or delay things, and I need the cash! but I haven't yet signed so I can post this!! when I finally get the money I shall just post that the dispute has been concluded.

 

I'm off to the pub!!

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it will not delay if you cross it out but congratulations

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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  • 2 weeks later...
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