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    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
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Claiming under Financial Hardship from HSBC


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I am willing to help a friend out in claiming back all charges under Financial Hardship from HSBC.

She has over £1200 in charges from 2007.

 

I have read lots of info from the forum but needed to clarify some things before sending the letter to the bank.

 

My friend just came off IVA in 2013 and she has a mortgage she is currently paying from her HSBC current account

and makes a high monthly payment leaving her to use up her overdraft every month.

 

Can I claim from 2009 (6yrs back) ?

Can I use the same spreadsheet used in calculating Credit card charges ?

Can she add interest at 29.9% to the charges?

Can she do her Income and Expenditure on a sheet of paper with a pen or is there a particular form ?

I would appreciate your prompt reply. Thank you

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I would really appreciate someone help out with this. Also my friend had just realised she has been charge £88 as overdraft usage fees this month and £25 last month. Can she claim these as part of the unlawful charges. Thank you

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Im flagging this thread for you

 

Regards

 

SS

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I think I'd be inclined to use BCOBS first here

rathe than a lengthy spreadsheet etc etc

 

 

point out or work out the charges yes.

 

 

see the RBS letter under BCOBS

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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int at their rate

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OD rate I would think

must be on the website

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Isn't it mentioned on the bank statements.

 

If there's a monthly rate, it can be converted to an APR.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 4 weeks later...
I am willing to help a friend out in claiming back all charges under Financial Hardship from HSBC.

She has over £1200 in charges from 2007.

 

I have read lots of info from the forum but needed to clarify some things before sending the letter to the bank.

 

My friend just came off IVA in 2013 and she has a mortgage she is currently paying from her HSBC current account

and makes a high monthly payment leaving her to use up her overdraft every month.

 

Can I claim from 2009 (6yrs back) ?

Can I use the same spreadsheet used in calculating Credit card charges ?

Can she add interest at 29.9% to the charges?

Can she do her Income and Expenditure on a sheet of paper with a pen or is there a particular form ?

I would appreciate your prompt reply. Thank you

 

 

 

 

 

 

Money Saving Expert website (Martin Lewis) has section on this. There are template letters for you to personalise and also an interest calculator. You enter all of the individual charges and it does the calculation for you - great. I have just tried to re-open a Hardship Claim with HSBC and wrote to them more than 40 days ago and filled in their 'Financial Hardship' booklet and sent that off too. No response whatsoever - I take this to be a guilty silence and am encouraged! Next stop the Financial Ombudsman.

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I have been waiting for 6+ years, under hardship, FSA then were useless, since the Supreme court HSBC and all the others have played ignorant to cases.

 

 

you can try but expect usual template if any rejection/excuses.

:mad2::-x:jaw::sad:
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forget the FOS

they never side with the punter on bank charges issues.

 

 

BCOBS or court+BCOBS is the only real route

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks guys. My friend has receive an acknowledgement ftom hsbc and still waiting for their reply though its been well over 14 days now. Want to give them till end of next week before sending in lba.

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  • 3 weeks later...

read the blue RBS link after clicking BCOBS

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can you confirm if its the N1 form for county court I would fill OR money claim online. Do I have to send the lba I sent to hsbc as the POC to court.

 

 

POC Below....

18/05/2015

HSBC BANK

CUSTOMER RELATIONS

8 CANADA SQUARE

LONDON

E14 5HQ

LETTER BEFORE ACTION

Dear Sir/Madam,

Request for Consideration as a Case in Financial Difficulty (Hardship)

 

Sort code:

Account number:

I am writing to reclaim all bank charges on my account since 15th Feb 2009, when I believe I entered financial hardship. I am unhappy that these charges have been applied to my account and in this letter I am registering my complaint. I request that you stop adding interest and default charges to the above account. The interest and charges serve only to add to the Financial Difficulties I am currently experiencing. In this connection, I draw your attention to paragraphs 224 - 227 in Section 9 of the Lending Code.

I need you to consider my case as a matter of urgency as I am in financial hardship. This is because I am unable to meet priority financial commitments including, but not limited to, council tax, food and utility bills. I have been struggling to pay credit card repayments. Payments regularly get returned unpaid as I don't have enough money in my account and frequently go over my overdraft limit. There has been substantial drop in income as I am a Zero hour contract worker and there has not been enough work for me in the last 6 months to cover my expenses. I have been on IVA in the last 6 years and came off IVA 2013. These charges have contributed to making my financial hardship situation materially worse. I am using regular cash withdrawals from credit card to make ends meet. I attach evidence to show my monthly income and outgoings.

I therefore request that you repay all my default charges since 15th Feb 2009 which total £2057.61.

Under the FSA guidelines, HSBC has 8 weeks to resolve my complaint. I trust that you will deal with my case within this period. If not, I will refer the matter to the Financial Services Ombudsman.

I look forward to receiving a full response to this letter within 14 days

Yours faithfully.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?437299-Excellent-interactive-guide-to-the-small-claims-process-from-Warrington-Trading-Standards

 

Tessy, have a read of the guide above before submitting any PoC.

 

As this is a money claim, it is probably best that you use the MCOL for submitting your PoC - they will then send a copy to to HSBC.

 

I will alert those on the team who help out in this forum, but meanwhile do have a read of the guide.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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As you are about to submit a claim, I have moved you to the Financial Legal Issues forums, where you will attract more attention. You need do nothing, it is purely an administrative move.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Righto, I have alerted others on the site team, I am sure someone will look in on you soon as they can.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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