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About lukebolger

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  1. Hey guys! I am once again being trodden on by rich people! So I shall post here to see if anyone has any advice for my plight! In november I moved into a rented house in our town, for me and my girlfriend, who is disabled by the way! The landlord was messing us around from the off, trying to let the property when they hadnt even bought it yet, so even though they gave me a start date for the move and I paid up the rent in advance I couldnt move in because she technically didnt own the property as it was awaiting some signing or some such nonsense! Anyway, when I final
  2. Ok, I have written a FOS complaint, can anyone suggest improvements p { margin-bottom: 0cm; direction: ltr; color: rgb(128, 128, 128); widows: 2; orphans: 2; }p.western { font-family: "Arial",sans-serif; font-size: 11pt; font-style: italic; }p.cjk { font-family: "Times New Roman",serif; font-size: 11pt; font-style: italic; }p.ctl { font-family: "Arial",sans-serif; font-size: 12pt; font-style: italic; }a:visited { color: rgb(128, 0, 128); }a.western:visited { }a.cjk:visited { }a.ctl:visited { }a:link { color: rgb(0, 0, 255); } Dear FOS, I am writing to you to complai
  3. Can you tell me what is the best way to go about making the claim in court? How do I start the process? Thanks!
  4. Would it be better to take HSBC to the county court? What is the likely success? Or would I end up loosing and having to pay HSBC legal fees?
  5. PLEASE help, HSBC are playing tricks on me, sent a letter to me in reply to my latest letter asking them to refund my charges as its unfair under the template i got here, the letter they have sent says basically, as you havent given us more information which we requested we are closing the complaint. They havent requested anything I have just received another letter this morning they are fining me £125 this month (again) for going overdrawn. I can't cope, I am unemployed and have medical problems. Please can you give me an idea of what to write to the ombudsman
  6. Further to our recent communication we confirm we are prepared to accept £100.00 in full and final settlement of the above reference number, dependant upon your payment being received at this office within 14 days. If you fail to comply with the settlement terms, the offer will be revoked and the full balance will become due immediately - payment methods are: * Credit/Debit Card - Call 0844 7016156 * Online via our Secure Website - www.collectd.co.uk * Cheque / Postal Orders * Directly into: Nat West - Sort
  7. Hi guys, I had a debt from a BT internet contract where I lost my job and couldnt pay it. It amounted to about £300 A debt collection agency got in touch so I offered them £100 as a full settlement. They agreed and I paid, but when I asked them when they will update my credit file as paid they said the following "n response to your recent email, sorry we do not deal with credit files as we are a collections company. Any information regarding this should be made to either Equifax, Experian or similar. With kind regards CDUK." Any ideas?
  8. Thanks so much! I will get this done on the weekend and let you know what they say!!!
  9. Hi guys, Thank you for editing out my personal information ( not that I care if anyone sees it, HSBC are the crooks! not me ) I arrived here by loosing my job in 2009, and having charges snowballing, I guestimate they have robbed me about 6 K to this point I sent them another letter asking for a more personal response other than just their form response and have not received a reply. I haven’t sent the SAR request yet as I font really want to give them any more money but I wrote in my latest letter that they have taken about 4 K in charges (being conservative) so I shall
  10. Hi friends, Can anyone tell me which template to use to get a list of all the charges they have applied to my account since I entered hardship? Please help! luke
  11. Hi guys, I sent a hardship letter to HSBC two weeks ago, using the template on this website, detailing how I am in hardship and my loss of job and all these charges making me unable to buy food etc - and they sent me a form response, Basically saying I have already sent a letter in in 2010 and they refer me back to that letter Please can you advise me what to do next??? Luke [ATTACH=CONFIG]53649[/ATTACH]
  12. Thanks again rebel, One thing that I worries me, wont I have more of a hope claiming just the last 9 months back - If I ask for six years wont they just claim that the court case was won by the banks and I can get lost? Is there any chance that they will call in my loan for upsetting them with this request? I still owe £5500 on the loan!
  13. Thanks Rebel! One more thing, I have only been unemployed for the last 9 months, am I claiming back the 9 months or the last 6 years? I have been unemployed in the past - should I just claim the last nine months? Or should I try my luck with the 12 months i was unemployed in 2009 - 2010? Thanks!!!
  14. Thank you so much rebel! I have tailored the letter you gave me, but I am not sure how much I have been charged - and what counts as evidence?P { margin-bottom: 0.21cm; } EVIDENCE OF INCOME/ OUTGOINGS - Such as? A COPY OF YOUR BANK CHARGES - Maybe I can print these online? EVIDENCE OF BENEFIT ENTITLEMENT - This one I have!
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