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    • I’ve just got the same letter today with a £25 cheque. Apparently the quality of service I received did not meet standards 🤷‍♀️ I’ve not had a HSBC bank for over 20 years!
    • For a number of years a girl has been evading rail fares and giving my name and address also my daughter’s name and address and my husband’s name and address changing his name from Eric to Erica. We have contacted the police before who said there Was nothing they could do. This has happened about eight times with different rail companies each time it involves making a number of calls sometimes having to reason with debt collection agency.  When letters started arriving again with my surname wrongly spelt I returned them with not known at this address. However I then received a letter from the Bailiff with my correct spelling of the name and now also correct date of birth (previously they had the wrong date of birth) and i now know that this has gone to a court and I was found guilty even though it was not me who made the train journey. I have had to apply to the court for the case to be reopened, and I can prove that at the time I was at the opposite end of the country. The date of birth given by the offender was 25 years younger than mine so she’s obviously a younger girl. However I am worried that this will affect my DBS. I work as a carer on minimum wage and cannot afford to lose my job. Apart from which the stress and anxiety this causes every time is immense. I often have to make phone calls using higher than normal cost  0300 numbers to try to resolve this.  Surely the train company Arriva north should have some responsibility for confirming the identity of a person invading a rail fare. It seems that you can just give any name taken from the electoral roll without having to show ID. Would I have a case against arriva for putting me in this situation? It’s also confounds me that when the matter goes to court they then check on a database for the correct spelling of my name and the correct date of birth, and so the first thing that was sent to me with my correct details was the fine from the court. Previous to that there were letters in effect addressed to a different person with a wrong spelling of my surname.I know it is illegal to open letters belonging to another person. Although I suppose I could reasonably expect it might of been for me because the name was out by one letter. I certainly don’t want to pay the £250 fine. This is been going on for some five years.  My daughter has a whole file of letters.  Sometimes train companies have responded by adding a password so that when the person gets stopped they have to give a secret word. But the offender is doing this all around the country and there are many different rail companies involved. However this is the first time I believe it has gone to court
    • Hi Guys.    In 2016 I had a PDL with The Money Shop.   Due to financial difficulty I stopped paying it in January 2017.   Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.   Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued.    A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.   Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.   Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.   So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?   Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 
    • These letters relate to very historic  collection/recovery "service failures" concerning current accounts, credit cards and loans   I have not had an account or debt with HSBC since 2008 My gut feeling is that it maybe connected to the use of their fake inhouse  collectors  Payment Sevices (PSB), Metropolitan and DG Solicitory but I will know more when they reply to my letter demanding details
    • Short update.Received an acknowledgement letter from PRA re SAR request. They say the will respond to my request by December 17th 2020.
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Natwest court date imminent...


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My date at York County Court is coming up soon (19/09/2007) and i'm starting to get nervous. But thanks to everyone on this site for all the help and instructions I have been able to get this far. I think i'd have given up a long time a go without it so... THANKS:D !

 

So to let you know whats happened so far:

 

I Got my court bundle together and handed in with plenty of time.

 

Contacted the court and apparently Natwest applied for a Stay but it hasn't been allowed as they didn't send the payment, however, it will be included in the file for the judge. That being the case i'll be taking a letter to object against a Stay should it be requested. Case will still be going to court.

 

Today was the last date for Natwest to supply me and the court with its own court bundle and neither of us have received it. So i've been down to the court and handed in a letter to ask for the defence to be thrown out as they have not complied with the courts directions of 29th July.

 

They also asked if I will be attending the hearing (which i will) so i can only presume that all is still going ahead for the 19th.

 

Any advice (and reassurance please) would be greatly appreciated

 

Thanks in advance

NatWest - Rejected partial offer. Ongoing:rolleyes:

MBNA - settled in full :D

Morgan Stanley - settled in full :D

Egg - Settled in full:D

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Hi Ad, sounds like you have got it all under control.

 

From what I have read from people who have attended court it will be fine once you are there but beware of any "tricks" the bank try to pull, if they try to sumbit anything on the day your havent seen before and are not sure about and the Judge is willing to allow it ask for an adjournment to consider their submission.

 

Good luck

 

pete

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Thanks Pete.

 

Well a week to go now until my court date and no settlement offer has been made by Natwest yet. I think they're probably presuming that the stay has been agreed.

 

Got a letter from the courts that my letter to have their defence thrown out as they have not sent supporting documents will be considered by the DJ at the hearing.

 

Starting to p#* myself now:???:

 

Can anyone offer any advice for the hearing. I've never been to one before and don't know what to expect.

 

Any advice on preparation before hand etc... would be helpful

 

Ad

NatWest - Rejected partial offer. Ongoing:rolleyes:

MBNA - settled in full :D

Morgan Stanley - settled in full :D

Egg - Settled in full:D

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I Ad,

 

These are great threads for helping you to prepare for court: http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html and http://www.consumeractiongroup.co.uk/forum/guidance-notes/

 

Don't forget to take three copies of the template opposing any application to stay your claim http://www.consumeractiongroup.co.uk/forum/bank-templates-library/17065-application-removal-stay-updated.html#post1046820 - and try to make it as personal as possible to your own situation.

 

During the hearing, make plenty of references to documents in your court bundle - as if Cobbetts do turn up, chances are they won't have a copy of it with them (if they've ever read it anyway!)

 

Best of luck :)

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Finally got the letter from Cobbetts with their stay application.

 

Will be ringing the courts later today to make sure we're still on for wednesday.

NatWest - Rejected partial offer. Ongoing:rolleyes:

MBNA - settled in full :D

Morgan Stanley - settled in full :D

Egg - Settled in full:D

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Could not get through to the courts on the phone but received a letter from them yesterday.

 

'The hearing of the defendant's application for the claim to be stayed will take place at...' (at what was supposed to be my full hearing)

 

Does anyone know if this will mean i won't now get a full hearing and that it has now turned into a hearing about the stay?

NatWest - Rejected partial offer. Ongoing:rolleyes:

MBNA - settled in full :D

Morgan Stanley - settled in full :D

Egg - Settled in full:D

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Continue to try and confirm it with the court, all the information required for both possibilities is contained in Hedgey's post above.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Cheers will do my best to get through but busy again this morning.

 

Have read through all advice and hedgeys reply above, think i'm prepared enough.

 

Hearing at 2pm.

 

Wish me luck!!!:o

NatWest - Rejected partial offer. Ongoing:rolleyes:

MBNA - settled in full :D

Morgan Stanley - settled in full :D

Egg - Settled in full:D

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Best of luck.

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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Best of luck. My Mrs is in court Friday.

Lloyds TSB (C.Acc) **WON - Fully Settled**

NatWest - £1367.96 - N1 Filed - AQ Compl

Lloyds TSB - Select Loan PPI - £4629.52 - N1 Filed - Settlement rejected

Lloyds TSB Credit Card - £373.48 - N1 Filed

MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

Paragon Personal Finance - S.A.R 15/12/2006

Littlewoods - £834.43 - N1 Filed

Barclaycard - £1145.00 - N1 Filed

My Wife:

Natwest Current Account - £1197.98 - N1 Filed at Court

Capital One - £1150.94 - N1 Filed - **Settlement offer rejected **

Littlewoods - £1405.48 - N1 Filed

8-) PROUD TO BE DEALING WITH MY DEBTS! 8-)

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Bugger, they turned up. There were 5 other people in and we all got the same result.

 

They were all (including mine) stayed.

 

B*****ks!!!

NatWest - Rejected partial offer. Ongoing:rolleyes:

MBNA - settled in full :D

Morgan Stanley - settled in full :D

Egg - Settled in full:D

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