Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
So, finally I got to speak to a human after nearly 3 months of nothing happening with my application!
Went through everything, person went off and came back and said "sorry, cant do anything to help as you arent in financial hardship".
Felt like a real kick in the guts!
And it was futire pointing out that the fos has instructed banks to make payments for those in hardship, her come back was that "yes, you are in financial difficulty, but you arent in financial hardship".
So people, how to I lodge a claim with the Ombudsman to complain?
Hey mailmanz, I have given you advice, i hope on MSE with regards to why they may have rejected the claim on financial hardship terms. If you do go to the fos please do not just argue that they didn't offer you anything because that is the wrong argument to use. You need to argue that their reasoning is wrong and the reason you are in financial hardship is based on the fsa waiver on Bank Charges.
What I also notice is that HSBC has now added a late payment mark to my credit file on the 3rd of November for my credit card! had the bastards NOT taken charges from my account then there wouldnt have been a problem!
These guys really are taking the p1ss arent they! Its just gut wrenching having to deal with an organisation that can pretty much do what ever it wants to you!
What I also notice is that HSBC has now added a late payment mark to my credit file on the 3rd of November for my credit card! had the b*****ds NOT taken charges from my account then there wouldnt have been a problem!
These guys really are taking the p1ss arent they! Its just gut wrenching having to deal with an organisation that can pretty much do what ever it wants to you!
Regards
Mailman
MSE is moneysavingexpert unless you now have a clone over there
Hardship claim rejected by HSBC
has instructed banks to make payments for those in hardship, her come back was that "yes, you are in financial difficulty, but you arent in financial hardship".
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Originally Posted by mailmannz
