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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

hollysmum

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Everything posted by hollysmum

  1. hollysmum
    I shall check out the BCOBS information, Bank Fodder, thank you for that.
  2. hollysmum
    Eeek! They did confirm to him that they will retain the documents for two months, Bank Fodder, and he said that he would be back at some point. I'm hoping he'll go back again tomorrow if he's happy that nothing bad will happen if he signs the receipt!
  3. hollysmum
    I'd certainly like to think we had at least made them squirm and I believe that we are more than entitled to our costs and a little more for all the worry this has caused us. As the claim was made against my husband, I'll let him decide if he wants to counter claim. His health is, as I've mentioned, not the best.
  4. hollysmum
    No counter claim filed, Bank Fodder. I fear I'm now making your eyes roll towards the skies! Are we too late to do so, or is this something that can be done once this has been sorted?
  5. hollysmum
    Hi, Bank Fodder - thank you for that. Yes, I think that he should just go for it, sign and get the stuff. I think I've become far too worked up about this case, as has my poor husband! It's hard not to, though, especially when you're getting absolutely sweet FA from your requests for information etc from Howard Cohen! Rational thinking is what is required!
  6. hollysmum
    I think the fog in my brain is clearing, Andy! Yes, I see what you're saying. Either way, he must get hold of the envelope - if he's happier putting "under protest" then that's totally up to him, and I'm sure he can ask for a copy of the receipt in any case.
  7. hollysmum
    Hi, Andy - if he's never had any sort of account with HSBC, how can he sign the receipt to say that he is confirming that he's closed all current/savings accounts with them? This was his point - he never OPENED any accounts with them in the first place. Old Cogger and Bank Fodder have suggested that he sign "under protest" and also that we speak to the ICO, and also that HSBC can't actually withhold the information that was requested. When I get home to speak to him, I'm going to suggest that he does the "under protest" signature and just gets the documentation.
  8. hollysmum
    Live Chat is down today!!! Phone is fine, though.
  9. hollysmum
    Thank you, Old Cogger - checking out their number right now.
  10. hollysmum
    Good morning! The latest news on this - my husband received a letter from HSBC this past Friday, 16th December, advising that they had sent the SAR information to their Fareham, Hampshire branch for him to collect in person. All fine so far. He has just phoned me from that branch, telling me that they require him to sign a receipt for the information, but that the receipt states something like "I confirm that I have closed all current and savings accounts with HSBC". Of course, he feels that he can't do this, because he has never had any sort of account with them, and that it would be stating a falsehood. He asked the staff if there was an alternative receipt for him to sign, or if he could write something on the receipt to state that he's never had an account, then sign it, but no, they can't accept this. he has left the stuff there for now - we still have a few weeks in which to collect it, obviously. Part of me is tempted to say do it and just get him to sign it anyway, but then, a larger part of me absolutely agrees with him. Nonetheless, we've still paid £10 to have this information sent, and of course we want to see the confirmation, in black and white, that Hoist and Howard Cohen can go and do the other thing, with knobs on. I'm wondering if it might be reasonable to arrange to see the branch manager at some point, or at least someone in slightly higher authority than the general branch staff - my husband apologised to the lady he saw this morning for seeming frustrated, and did explain a little of why he'd requested the information.
  11. hollysmum
    Good morning, dx - thank you very much for your enquiry! We've heard not a sausage since the letter from Howard Cohen telling us that Hoist are going for mediation. Our letter to them, which crossed over with theirs, told them that we had sent an SAR to HSBC, so we imagine that they are reconsidering the mediation for the time being. HSBC's last date for responding to the SAR is 1st January. Nothing else has come from the Court, so we are just going to wait out the remaining time for the SAR. I'm thinking, though, that if HSBC had found anything, we might have had notification from them by now - as my husband has stated to everyone repeatedly that he's never had any sort of account with them or Midland Bank we're thinking it's highly unlikely! If anything does crop up, I will, of course post it - I really appreciate you asking. Catherine.
  12. hollysmum
    I like to think exactly the same, BankFodder, that they didn't bet on some enraged, 50-something woman fighting her husband's corner! If you don't mind, I would like to use your exact words if and when I need to: "Howard Cohen have not done anything to win our confidence because of their failure to address the issues raised in correspondence".
  13. hollysmum
    Thank you, BankFodder - I was certainly going to say to Howard Cohen that I would suggest that mediation, if indeed they insist upon using that service, only goes ahead once the SAR enquiry has been decided, but I will also say this to the mediation service if they do get in touch before HSBC's SAR deadline. I was most definitely going to be pointing out that we have received zilch response to our requests for proof of the debt and it being statute-barred, to both HC and mediation.
  14. hollysmum
    I, too, have wondered, BankFodder, what on earth they think we would say to the mediators - "Oh, actually, even though it isn't his debt, my husband will pay you £XX just to get rid of you". That won't be happening, of course, but yes, I really think that they're desperate for this enormous £307 plus costs!!
  15. hollysmum
    Thank you, unclebulgaria, that's really helpful. I'll put a note in my diary to prod HC if I don't hear anything by, say, 12th December. I wasn't too sure what to expect from a mediation telephone call! Hopefully, my husband will be able to deal with that himself, but if not, I'm prepared now!
  16. hollysmum
    I just knew it was too good to be true! On Friday, a letter from Howard Cohen (the first contact my husband has had from them) with a copy of Hoist's DQ attached.......I shall upload the letter later this morning, but briefly, it says that they are going to arrange a telephone mediation appointment - oh, good. The above clearly crossed with our letter containing the information that dx100UK found out, so I plan on emailing HC later today to point that out - you never know, it might prompt reconsideration.... HSBC acknowledged our SAR letter, too, telling us that they have to respond by, I think, 7th January, and that any information they find will be sent to the HSBC branch of my husband's choice. We have still had absolutely no evidence shown to us that proves that the debt is my husband's, or that it is not statute-barred, so I will continue to point this out to HC as well. Just another day at the office.................!
  17. hollysmum
    Hello everyone, and thank you all yet again for your responses here. I am most definitely not assuming that it is now all over - I'm far too cynical for that! I had assumed that Hoist have seven days from the day on which they receive the Notice, and if it was the same as my husband, that was yesterday, so therefore 1st December would be the deadline? I have contacted Howard Cohen with the information that dx so kindly gave me, and what HSBC told me on the phone. Yet again, I'm waiting for a response from them! If, indeed, Hoist do not present a DQ by the 1st December, I will write, as suggested to put them "on notice", because I, too, cannot believe that this debt will not be passed on to the next willing purchaser and come back to haunt us at some point. At least we will be far better prepared if that does happen. I would still like to know how on earth my husband's name got wound up in this in the first place, but for now, I'm just going to hope that Hoist can't be a*sed to carry on their pursuit of him, and that it just grinds to a halt.
  18. hollysmum
    I'm guessing that the attached is probably good news. Scan CR7.pdf
  19. hollysmum
    Yep, will do, dx.
  20. hollysmum
    The Lowell thing shows as a "Closed" account, martin2006.
  21. hollysmum
    Got onto Clearscore - it shows that he has "at least one account in default or repossession (Lowell Portfolio 1 Ltd)". I have no idea what this might be. It does say, though, that he has no court or insolvency data.
  22. hollysmum
    That's the next job, BankFodder - obviously, he'll need to do this for himself.
  23. hollysmum
    Roger and wilco, unclebulgaria.
  24. hollysmum
    Cheers, unclebulgaria - I was wondering if I should do just that. I presume that I should do this via the solicitors, Howard Cohen? When I have sent items Signed For to Hoist, when I look them up on the Post Office tracker, it just shows a blank box, and the word "DELIVERED" underneath. I find myself imagining a whole floor of empty offices and tumbleweed blowing through!!
  25. hollysmum
    Good morning! I telephoned HSBC. I used the Customer Service number, and was asked to enter the sort code followed by the account number, which was no problem of course. It then asked me to enter "my" date of birth, so I entered my husband's - if this account were his, of course, this should have been acceptable to their system. It told me that it could not provide any information on this account, I was being passed to an agent. I spoke to a woman, who confirmed that the account does exist, and at the branch that I looked up yesterday. However, because I could have been anyone, obviously, she was unable to tell me in whose name the account is set up, I would need to go to the branch itself. I did explain a little as to why I was phoning - legal action being taken against my husband in respect of this bank account, which is not his. She apologised profusely! I think the non-acceptance of my husband's date of birth is quite a sound piece of evidence, should we ever need to use it.

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