Jump to content

info_maniac

Registered Users

Change your profile picture
  • Posts

    10
  • Joined

  • Last visited

Everything posted by info_maniac

  1. Thanks!! Yes, I am aware of that. But, I feel that there is no harm in trying. All I have to do is to send a letter/email.
  2. Back in 2008, I had a pretty bad experience at a local HSBC branch. The staff denied me recent statements for my account which I needed urgently and were overall quite rude. I wasted around an hour and a half asking them to help me but they did not listen. I had to eventually book half a days holiday as I was missing from work nearly the whole afternoon. I came out of the branch and immediately and called the HSBC 'Service Quality' team at HSBC who recorded my complaint in their system. However, the complaint was passed to the Branch Manager who was much more rude than his staff. Instead of properly answering the complaint in writing he aruged with me over the phone on two occasions and was unwilling to pay even a single penny of compensation. Eventually he agreed to pay-in £25 after two weeks. But all thorugh this process I did not receive anything in written and had to deal with some rude behivour from the branch manager. He eventually setteled for £25 although I asked for £75 for my half a days holiday wasted. At no point he wrote to me and neither did I get anything in writing from the service quality team. Now can I contact the service quality team and ask for the details of this issue and to know about the response of the branch manager. I know it has been some time, but can I ask them to reopen a complaint after such a long duration.
  3. Sure, I know that having money in my savings account will not offset against any overdraft (read unagreed overdraft) usage from my current account. But long back on this forum I came across a thread discussing a situation very similar to mine and the complainant mentioned that he had money in his other account and was successful in reclaiming the charges. There was a sample letter template attched as well. It was exactly the letter I needed, but am struggling to find it now. The main ground I will mention in my letter is that the 'charges were disproportionate' but wish to add to the letter that I had money in my other account at that time (with the same bank/branch).
  4. I need to send a letter to HSBC about refunding me the disproportionate charges taken from my HSBC current account in June/July 2005. Basically the charges were around £120 in total and were applied for using the 'unagreed overdraft'. Also, my account was in red only for a peroid of 2-3 days, then I deposited a cheque and my account was in credit again, the account went in red again next week for a couple of days. But, the overdraft used by me was only upto a max of £4-5 but I was charged a hefty amount - £120 over the three weeks this happened. All through this time I had money in my other account - around £3k in HSBC savings account. On this forum, I once came across a letter template which detailed a situation like mine - stating that I had money in my other account when my current account went in red. But, I can't find that letter template now. Could someone point me to that letter template if it still exists on this board. Many Thanks!!
  5. I made some mistakes (typos) in the previous post and cannot find out how to edit the original post, so am posting my query again after correcting the typos I need some help and advice regarding the eligibility conditions for contributions based JSA. The more I read about it on various websites and the more I get confused. My question is focussed on the NI contributions conditions and most importantly the relevant tax years which are looked at for these contributions if someone is submitting a claim for Contri based JSA now (July 2010). The Direct Gov website says: Now, I am confused that why the last two Relevant Income Tax Years are 07/08 and 08/09. As per my understanding, if I am making a claim in 2010 then the last two relevant tax years should be 08/09 and 09/10. Jobcenter plus have rejected one of my recent contributions based JSA claim by saying that: I submitted this claim a couple of weeks back (July 2010). I plan to write to them and ask that why the last two relevant tax years are 2007/2008 & 2008/2009 and not 2008/2009 & 2009/2010.
  6. I need some help and advice regarding the eligibility conditions for contributions based JSA. The more I read about it on various websites and the more I get confused. My question is focussed on the NI contributions conditions and most importantly the relevant tax years which are looked at for these contributions if someone is submitting a claim for Contri based JSA now (July 2010). The Direct Gov website says: No, I am confused that why the last two Relevant Income Tax Years are 07/08 and 08/09. As per my understanding, if I am making a claim in 2010 then the last two relevant tax years should be 08/09 and 09/10. Jobcenter plus have rejected one of my recent contributions based JSA claim by saying that: I submitted this claim a couple of weeks back (July 2010). There have been other problems (actually goofups) with my claim, like my previous surname mentioned in the paperwork with the jobcentre even though I think I filled in the correct surname in the online JSA application at Direct Gov.
  7. Hi there, Its that time of the year again for me. My tenancy contract is about to be renewed. This will be my third renewal. Each year, in the tenancy contract the notice period is two months (from either side), however I have noticed that most people have the notice period as One month only (both in the original/initial tenancy contract and the renewals). I want the notice period to be brought down to one month, so that I need to move I can find a new house/flat and move within a month. Two month notice is a very long time and it is difficult to find houses/flats which are available after two months of "let agreed" date. I have spoke to the landlord (who is very helpful), and they have spoken to the letting agents who say that the standard notice period is two months. So the landlords are sticking to what the agent is saying. I know that the agents are lying. A two months notice us unfair - Is there anything in the contract law (or any other law) which says that a two month notice period is unlawful? Also, the tenancy renewal fee has risen from the initial £40+VAT to £70+VAT which I think also is absurd and unfair. Can someone help me with this?
  8. Thanks for your response. yes, I referred to their fair fee policy, and the fee they are going to charge me is not an overdraft fee, they plan to charge £25 for the returned/unpaid direct debit - which they say is fairly standard and there is no fair fee clause related to a returned/unpaid direct debit. I checked my account just five minutes back and there is no mention of any returned/unpaid/reversed direct debit - which gives me a feeling that the DD has gone through. But, I won't feel 'safe' until I receive my monthly statement.
  9. Can I threaten them to close my accounts and move my banking elsewhere -if they charge me £25 for this issue. I may sound a bit naive on this, but is this possible?
  10. My current account with HSBC went into debit by £51 after two direct debits were 'taken' from my account this morning. It was ok after the first DD, but went into red after the second DD went out. I realised this 'very late' - around 16:15 hrs today. I had funds in my savings account and promply transferred £1000 to my current account. I called up HSBC then, they are saying that the direct debits which are showing as paid from my account MAY be reversed (or returned unpaid), if they are returned unpaid, then I will be charged £25 per DD. But, the customer service rep said that it is upto the 'System' to decide now whether the DDs will be paid out or returned. If they are paid out - then no charge, if not then £25 charge. Also, she said that I was a bit late in contacting them, if I could have contacted then by 15:30 today, they could have made sure that the DD goes out. If they end up charging me, is there a way of reversing this charge?
×
×
  • Create New...