LARGO/phoenix/Legal & Receivables Claimform - old HSBC Credit Card debt ** WON - CASE DISMISSED **

[42man]

Interesting as Caseys and Largo are no longer in bed together, they have demerged.....

[pblackie]

what signature of yours is it I'm supposed to be using?

[MARTIN3030]

Its the one DCAs often use-written in invisible ink;)

[ODC]

pblackie said:

what signature of yours is it I'm supposed to be using?

 

I think Liam was referring to the scribble at the bottom of their claim:eek:

 

LMilthorpe said:

If I was you I would remove my signiture from the internet before I personally issue proceedings against you.

 

What is a SIGNITURE ????

[pblackie]

That's how Litigation executives spell it don't you know

[ScarletPimpernel]

That's how Litigation executives spell it don't you know

 

Apart from his bad manners, Milthorpe's execrable use of English indicates that his position is considerably beyond his abilities.

 

Still, this sort of grandiose posturing from pompous office boys always makes me smile. So, thanks, Liam.

[mr.ton]

If I was you I would remove my signiture from the internet before I personally issue proceedings against you.

 

[pblackie]

So, now got a court date of 5 Oct. Have received from Phoenix copies of my statements and a not particularly legible credit agreement which does not have a signature for the bank on it - oh yes and print outs of this thread

[ODC]

I wonder who gave them permission to use MY posts. They are in breach of copyright

[pblackie]

:grin: Case Dismissed !!!!

 

They could not prove they owned the debt, how the sum outstanding was made up or that the account had been defaulted in the prescribed manner.

[ODC]

Excellent. I wonder what their purpose was in printing out copies of this thread. Did you actually meet Liam the man who cannot spell signAture

[42man]

FANTASTIC news.....and great judge obviously !!! I do hope other Largo victims spot this....did you get your costs ?

[pblackie]

No they sent a local solicitor who had to admit Largo had lost ( allegedly ) all documentation when an employee left over 12 months ago and did not leave his password.

No didn't get my costs,

i got slated as well as i was referring to extracts of case history but had not printed out the whole cases for her to refer to.

She also wasn't happy that i was saying the CCA was incorrectly executed as it hadn't been signed by HSBC.

[DonkeyB]

Fantastic news - well done. Another CAG success against a slimeball company that can't be bothered to do things properly or legally.

 

Also, no documentation = no default. So they took you to court knowing they had no documents? Unbelievable... deserve everything they get.

[citizenB]

No they sent a local solicitor who had to admit Largo had lost ( allegedly ) all documentation when an employee left over 12 months ago and did not leave his password.

 

 

Hmmm, wonder who that was then ?.

 

Well done

[SL8R]

Hmmm, wonder who that was then ?.

 

Well done

 

 

Citizen B, i remember a remark you made in a previous post somewhere - wondered what you ment..... I think i know now. :grin:

 

Well done on the WIN

[cashins]

Hmmm, wonder who that was then ?.

 

 

Someone with an IQ of over 80.

 

David

[pblackie]

Just received this, any thoughts???? Looks to me like they have made a statemetn up so they can try and justify how the sum outstanding is allegedly made up :?

 

[/url]

 

And from the court

 

[ODC]

Surely they wouldnt be foolish enough to go back to court or try to get you to pay them

[pblackie]

Not sure but their figures don't add up, I sent £1 for the CCA on 2 accounts and they have taken that as a credit. the opening balance is allegedly £639.6, they have writtain off £540 and then re-debited it added 2 sets of fees and come up with a total of £133 and a closing balance of £854.64 even the opening balance plus £133 doesn't add up to £854.64 or is it my maths??????

[citizenB]

Surely they wouldnt be foolish enough to go back to court or try to get you to pay them

 

Who knows .. some of these companies do appear to be on suicide missions

 

Pblackie.. in respect of that £1.00 for the CCA request. A lot of creditors apply it to the aco****. You can prove it was for a CCA request and not intended to be credited to the account.. so wouldnt worry too much about that.

[pblackie]

Looks to me as though they are trying to say this is some form of agreement with them??

 

Any thoughts on action I should take?

Edited October 7, 2009 by pblackie

[DonkeyB]

I think (1) it's s bog standard print out of the (alleged) account and (2) they clearly expected to win as they'd added all the court fees to your (alleged) account!

 

It's meaningless given the judgment. Have you been getting these statements every month?

 

As they have absolutely no agreement, they have no right to process your data now, nor to post data with CRAs.

[pblackie]

No this is the first one I have received

[DonkeyB]

In which case you can either ignore it, issue a section 10 notice to stop processing your data, or complain to the OFT/TS on the grounds that sending this out is vexatious harassment given they lost the case. A**eholes!