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Everything posted by lukebolger

  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!
  15. Hi Rebel! I have no idea?! What is PPI? I am more interested in getting the bank charges which amount to about 8K over the last 6 years back!
  16. Hi I have been unemployed almost a year now, and have been getting hit with around £150 a month of charges from HSBC due to not having any income - Is there ANYTHING I can do to claim these back? I also have a loan with HSBC - so at the same time I dont want them to do anything like call in the full amount because I start hassling them to give me my money back Please advise! Luke
  17. Hi I have been unemployed almost a year now, and have been getting hit with around £150 a month of charges from HSBC due to not having any income - Is there ANYTHING I can do to claim these back? I also have a loan with HSBC - so at the same time I dont want them to do anything like call in the full amount because I start hassling them to give me my money back Please advise! Luke
  18. what is a PPoA/E or LLU and mine profile?
  19. yea I meant mbps not bits . I Have it plugged into the test soket already. They told me that crap about 10 days to stabalize on the phone I dont buy it - I have never had a speed change after time at any other house. Im not happy paying 46 a month for 60 kbps speed (speedtest says 1.15 mbps but in real ters i an only download at 60 or less KBps)
  20. So I recently moved house - called bt and they said sure we an oe the internet to new house - but you have to take out a new contract - which i did (18 months) They said I would get 3-6 bps but I getting less than 1 - Is there anything I can do?
  21. here is what i have come up with. Luke Bolger ADDRESS 26th of September 2012 Dear Sir/Madam, I am writing to HSBC to challenge your treatment of me as a customer. As you are aware, for the past three years, HSBC has been charging me an exuberant amount of money every month, HSBC calls these charges "unauthorized overdraft charges". Since the 11th of January this year, you have made #334 in "unauthorized overdraft charges" to my account. While you are quick to offer advice on how to "manage money" you have not once offered the service to DECLINE payme
  22. No sir, I read that people who send off hardship letters usually get a few months charges back, which in my case would get me out of my overdraft, I work 4 days a week
  23. Hi, Im really struggling here, i have at least 100 pounds bank charges every month and every month i get more in my overdraft and this increases bank charges and now im -600 on my overdraft limit of -400 Please can someone give me a template letter for a hardship case? Thanks
  24. But because its only me who works there, the manager sacked everyone else, so i have to pick up there work load. Shel know its me if the HSE shows up - and shel say its my fault.
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