County court business centre

[stevegsxr]

acc balance and statement

[Amethyst]

It sounds as though

7.The Defendant contends the alleged debt is statute barred by virtue of Section 5 of the Limitations Act 1980 in that no payment or acknowledgement has been made for over 6 years.

should cover things. See if they reply to your defence at all. Anything in the SAR from HSBC about your previous complaints about the account having been set up incorrectly ? What are the other pages of that sales acknowledgement document ?

[stevegsxr]

only recorded complaint was by me in 2014, complaints were made to account manager verbally previous but no proof of that.

[stevegsxr]

not sure if these are relevant but will post anyway

[Amethyst]

Hmmm - there wasn't an overdraft facility on the account, but there was a 'card' - a business credit card possibly? HSBC are quite known for amalgamating all other debts and calling it an overdraft so #I wonder if the £3k limit on the card was exceeded, defaulted and chucked onto the account as an overdraft - then charges etc applied to that - have they ever sent you copies of the statements to show how the debt accrued ?

2019-06-24 18_13_56-Microsoft Edge.png

[stevegsxr]

The overdraft (£5k) was put on in 2011, i have the same as above which i believe shows this. Yes i have statements (now, never appeared when i requested all this in 2014), debt went up quickly with cash withdrawals, 1st being £1ki believe, left all paperwork at work but did have a couple of reads through it all, the last year, maybe more was literally charges.

[stevegsxr]

just been having a look at the statements, seems they allowed nearly 5k to be withdrawn by cheques for cash within the first 2 months without even having an OD set up, can't even see the card being used.

[stevegsxr]

update - received this from the court, dated 11th June, not heard a thing since and no updates/changes on MCOL. Am i to assume it's stayed and they are not even going to notify me? I assume 28 days means 28 days! even allowing say 5 days after date i make that 44 odd.