Hi, just wondered if someone might be able to help with something please. Contacted by former housemate who says that Eon are chasing after a very large bill relating to the period of 2005 to 2010 for the facility for using a pre-pay meter in a house we once lived in. We actually lived there from 2004 to 2005. And I don't think my housemate informed them that we moved, so as far as I am aware they kept us (or just him) on their books until someone 'took over' supply to the house. They have called and apparently seemed very eager to sort out the problem by clearing us from the account by asking us for proof of our tenancy agreements around that time. My ex-housemate does believe that they are interested in helping us and he says that we should cooperate to the most utmost by providing our tenancy agreements to clear our name. However, I mentioned whether it was worth asking them for proof of contract, as without it they could not chase us. I proposed this as they might use the tenancy agreements to support an argument for placing liability on us on the basis that the contract was a rolling contract (I assume it was - don't have a copy, not does the ex-housemate). But my ex-housemate said we shouldn't mess about by doing that, as they could employ investigators and still saddle us with the bill. He also thinks that historic acceptance to pay the meter charges in 2004 to 2005 demonstrates that a contract existed. Just wondered what the views were of others here, as I would like to take the course that ensures I don't have to pay a penny for when I wasn't living there. But don't want to make things easier for them to pin liability on us, if that is their real intention.

Hello, I had a claim against HSBC based upon the old arguments that were commonly made against the bank regarding the charges that they applied to my account. I had already made a claim against Lloyds TSB for charges and had them paid back in 2006 (I think).This later HSBC claim was stayed in the Courts about two and half years ago (if not a little more) whilst the Courts determine the outcome a decision of the House of Lords.I was told on here to hold on and wait until some Scottish cases are decided to see if I would need to change the Particulars of Claim.I think the decision turned out badly from looking on here.Do I need to call the Court and tell them to close the Case now given that the case was set up on the argument of Unfair Terms in Contract? ThanksSam

Bumped.

From reading around the forum of late I assume that there is no possibility of getting the bank charges back. I believe my case is still stayed with Salford Court but I have not heard from the Court or the solicitors in 2 years. What do I do now? Do I just leave things or put something in writing? (I will of course check with the Court to find out the current situation).

Hello, have the Scottish cases been heard yet? What was the verdict?My case is still stayed at Salford Courts, that's all. Thanks.

Hello, I am just posting to ask for an update on the situation for stayed cases in the Courts. Have there been any developments with the CAG test cases in the Courts, so that Particulars of Claim can be changed and things moved on? I expect not. I am just a little concerned about the stayed case. ThanksSam

I've e-mailed you this afternoon. Please let me know if you need further details. I've also just had another letter from Ruthbridge requesting a telephone call and stating they have had no contact, even though I spoke to them a week ago (seems to be a automated dispatch). Of course, I won't be contacting them again.

Hello Lee, I have sent a message to you via the website link. Thanks.

Thank you, but I don't really want to have any dialogue with anyone other than to make it clear that this debt would now be statute barred.

Unless I started making payments or acknowledge the debt. Is that not right? (Not that I would).

Hello,I have a quick query, if anyone could help please? In 2004 I had not paid the full amount on the vodafone bill. I owe £330. I moved out not long afterward, so the company might have continued to pursue for some time by letter, but I wouldn't have known. I have never responded to Vodafone in regard to the debt since defaulted on that amount in 2004. Ruthbridge has sent a letter to me. I did ring out of curiosity, but hid my number. I never acknowledgement the debt (and mentioned that it would be statute barred anyway). They said as I have not acknowledged that the debt is mine they will contact Vodafone. I wondered whether it was best to say I had no idea what the debt was. In any case, would it be statute barred if I gave no response to vodafone since 2004? I know it was not best calling them, but in having denied the debt was mine, was this wise? Thanks!

Hello, I am just posting to ask for an update on the situation for stayed cases in the Courts. Have there been any developments with the CAG test cases in the Courts, so that Particulars of Claim can be changed and things moved on? Thanks Sam

Hi, just a quick question. I have heard mention that the legal situation is potentially different whether you are claiming back on a current account charges or credit card charges. And this is in light of the House of Lords determination on what is a penalty. Is it credit cards where you can use the penalty argument, as has been done for past five or more years? I have in the past reclaimed charges and got them back. I have accrued even more over the past two years but am just about to pay the card account off and get rid of it. I am a just not as motivated as before, as it does appear that the process could be a lot more involved that what it was four or five years ago. Unless I am mistaken.

I didn't notice this had been posted until now. I presume it is wise then to drop cases against the bank on the basis of the charges being unfair, i.e. there is no point in amending the particulars unless we really know exactly what we're doing?

Can anyone please reply to my previous queries that all relate to knowing what to do about my claim now? It is stayed at a UK Court but I don't know whether the chances are slim of winning a case, what would now be required to try and win (compared with how simple it was three years ago), and whether I need to change the Particulars of Claim. If I drop the case, will it simply be a matter of writing to the courts? Or do you need a special form?

Hi, just posting again to ask if anyone can let me know what the latest situation is with bank charges and stayed cases. My claim has been stayed and has been stayed for almost a year. Can I move things along now with new Particulars? Thank you Sam

Any news on the latest progress with the test cases started by people on here? And have any particulars of claim been re-written? Just waiting to move on from having my claim stayed. Thanks Sam

That's the strange thing, because I had a letter sent to my old address asking me to get in touch if I wanted to kept the case 'stayed'. I found this out some weeks after moving address. I had sent the letters to the solicitors (with a copy to the courts) telling that I would be changing my particulars of claim soon, as copied from Castlebest's letter. I assume this has sufficed, but I haven't heard anything back from the Courts. I have given them my new address.

Hello, as you can see from reading above, my case is stayed at the courts. I just wanted to ask if any further progress has been made in the 'tests' cases on the basis of changed particulars of claim. Not sure what I am to do at the moment. Is everyone still advised to wait until things progress further? Or do I need to get something sorted now? Thanks

Hello, have the new particulars of claim been drawn up, in respect of having taken into account the changed legal situation?

JohnnyMitch, has there been any insight into how claims are to now proceed on the basis of the cases which came to Court?

The banks seems to be funny about sending me old terms and conditions from 2008 and 2009. Do I have any rights to requestand be supplied with this information or is it really just a case of hoping they still have copies?

Ah, ok. So I won't bother requesting a removal of a stay until these other cases have progressed through the courts.

Ok, a little confused though. The letter I sent to the Courts simply stated that I intend to change the Particulars of Claims and did NOT mention anything about the removal of a stay (as I had changed the content of Castlebest's letter). Therefore, in respect of what you were saying about asking for the courts to disregard the letter, I am asking them to disregard any mention of changing Particulars of Claims (and the removal of the stay, if I HAD made such a request for removal)? Would I also need to write to HSBC's Solicitors to ask that they disregard, as the letter was really addressed to them and just sent a copy to the Courts? I have read the links you have sent. How would they fit in the current course of things with the Courts,i.e. do I need to somehow find evidence from HSBC to show them saying the charges are fair and reasonable? I don't have any T&Cs from 2008. Is it possible to get historic (2008) T&Cs from the bank? And...until the two court cases involving Abbey and Lloyds get sorted, shall I just sit back and wait? After asking for a disregard of my last letter?

Hi, I could really do with someone taking a look at my query listed above and providing some information if they know what I could sorry. Sorry to pester. But I think I'd need to get back to the Courts soon. Thanks