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Everything posted by Nao

  1. Nice little list of confessions in the letters they are sending out: http://i57.tinypic.com/ju8rif.jpg http://i61.tinypic.com/rwrsk5.jpg http://i57.tinypic.com/eim5qg.jpg http://i57.tinypic.com/ivbad5.jpg http://i62.tinypic.com/23uybk4.jpg
  2. Money arrived today, took 11 month in total, but at least they paid up unlike certain others who conveniently folded the second the fca bared its teeth.
  3. I finally got the letter today detailing how much money I will get back from wonga, they definitely delayed as much as they could as its been almost a year, now lets see if the money ever actually comes:lol:
  4. Problem with SOGA is that the burden of proof is only on the shop for the first 6 months, after that burden of proof moves to the buyer, so for the first 6 month SOGA is better yes, but then for months 7 - 24 1999/44/EC comes out tops (and then it goes back to soga due to 1999/44/EC only being 2 years).
  5. The unemployed will simply end up being exploited for cheap labour and paid jobs will be cut. All you have to do is look over the borders, Germany already has a system where the long term unemployed have to do work to keep their benefits entitlement, know what the result is? Unscrupulous companies like Amazon run on the bare minimum of staff and then simply get those on the dole to do the work for free whenever demand peaks.
  6. While it is disgusting what PerfectHome has done, lets not forget the real issue. Rampant poverty, benefits cuts and unfurnished council housing (you don't even get white goods) leaves very large numbers of people without any alternatives to the legal loan sharks with no lending standards (and no morals if it comes to debt collection).
  7. Good news, Cash Genie will no longer issue any loans at all, so hopefully less people will get in trouble in the future, just got this email out of the blue:
  8. Banks usually review overdrafts annually (as in look for any action they can take to slap you with more interest and fees). They promised you a interest free £1000 overdraft for 12 month, are you certain the offer was for 12 month from account opening with those terms and not 12 month / annual review date whichever comes first?
  9. Zero surprise: Economy goes bottoms up, hundreds of thousands get fired / have their salary cut, Banks stop lending and at the same time cost of living keeps exploding. As a consequence people go overdrawn, Banks exploit them with extortionate fees. People with nothing to eat cling on to any promise of money, even if its a payday loan. Crackdown on irresponsible lending by pdayday lenders. Hundreds of dodgy "brokers" jump on the gravy train by falsely promising payday loans would still be possible for those who have nothing. Now that the dodgy "brokers" are raiding peoples bank accounts the banks are scared that there will be nothing left for them to take with their "go starve to death" fees.
  10. Natalie2014 did you use Noddle to check if its gone? If yes keep in mind that Noddle only updates the data it shows to normal people once per month.
  11. While I do usually tell people to pay what they owe, with this particular corporate construct involved I would strongly advice against paying even one single penny. Further I would suggest to completely ignore that company. The people behind it are the same people who ran MCO Capital / Speed Credit / Toothfairy / CIM / Marshall Hoares / meddled in dodgy time shares in Cyprus / used to sell pornography / had some of their credit licenses involved / use highly suspect addresses to officially conduct their business from / got busted by the OFT for trapping people in subscriptions for dodgy credit record services / some of them have criminal convictions... Need I go on?
  12. Question for me is if we should we believe that Wonga was specifically allowed to exclude the customers where debts where sold on? I would advice to keep fighting the issue until clarification on that comes.
  13. Essentially what needs to happen is that the FCA needs to yell at Wonga that Wonga was wrong to exclude sold off debts from the write off program. Unfortunately the FCA doesn't usually do anything in individual cases, in other words, unless they get swamped in complaints they will do nothing. So the only route left to try to get it written off is a formal complaint to wonga, if they fail to do what you want you can then complain to the FOS. Of course it is still a good idea to keep the FCA in the loop with all the excuses wonga provides you and such.
  14. From what I have seen in other threads around here as well as from personal experience they have indeed excluded everyone who had their debt sold off from the write off program. Not much you can do other than sending a letter headed Formal Complaint to Wonga detailing your objections to the practice. If they fail to give you the desired response within 8 weeks you can then complain to the FOS.
  15. I initially received a letter saying I would receive compensation, then a couple weeks ago another letter saying they'll need 12 more weeks, so I certainly won't be holding my breath:-)
  16. I would suggest removing the word greedy, simply to sound professional. The FOS doesn't like the mention of legal action, so I would suggest removing that line. It should be FCA as the FSA has been replaced by the FCA. Other than that looks good.
  17. You'll need the form from the FOS website, fill it in, attach a list of the charges HSBC has applied, plus a copy of the response you got from HSBC. You should also add copies of whatever you have to proof hardship, copy of letter confirming you are receiving benefits and such, however the FOS will ask you for more info if you miss something, so don't worry too much. As for what to write in the FOS complaint itself, put into your own words the following: The Case where the Court ruled in favour of the Banks did mention that Hardship applications should still be considered and HSBC has failed to recognize your Hardship and treat you accordingly. Mention it very clearly that HSBC already told you they will be taking money from you again despite having been informed of your hardship. Include some details on the hardship, like for example penalty charges from BT for not paying by dd, Cooker broke down and you can't afford to have it fixed, unable to pay priority debts, malnutrition, insufficient heating in winter, inability to pay service charges in homeless shelter, lack of clothing, frequently no electricity as you can't afford to top it up. (don't include all those, just what applies, plus feel free to add others) You will also have to include in the FOS complaint what you expect as a solution: Stop HSBC from adding future charges. Immediate, full and unconditional refund of all charges plus 8% statutory interest. (even if the FOS decides in your favour you may get less than the full amount, but can't blame you for trying to get the lot back) So essentially its just what you sent to HSBC, except for adding the part about HSBC failing to respond in a proper manner to your hardship claim, HSBC falsifying info (the non existent demand for further information) and underlining their intent to exploit your vulnerability by announcing future charges.
  18. Of course I found the template on this site and never claimed otherwise, I was simply pointing out the redundancy in posts as its the exact same, nothing more. It's the exact response 10+ people received on behalf of whom I have sent complaints about HSBC fees. Point behind it simply being that HSBC follows the try to fob people off mantra and that people should except that a FOS complaint will be necessary, complete with the implication that it will take a long time to get the fees back no matter how deep into hardship they are.
  19. *cough* *cough* thats the same template I had linked to along with saying the same thing about personalizing it... Anyway, just as a heads up, here is the template response you will receive from HSBC, [ATTACH=CONFIG]53801[/ATTACH][ATTACH=CONFIG]53802[/ATTACH] In other words, complaining to HSBC is nothing but a formality so you are allowed to complain to the FOS.
  20. Template is here you'll need to personalize it a bit and replace FSA with FCA. As for your benefits, I'll just copy myself from another thread:
  21. No alternative to the complain to Bank then to FOS route though. If you later on decide that legal action against the Bank is necessary then you can show that you are the reasonable one and exhausted all options before taking legal action. Of course legal action is little more than a theoretical thought exercise as HSBC will try to starve you to death with fees before it ever gets that far, I know a guy who they took over £1000 from while he was living in a homeless shelter. But its ridiculous that people have to fight to get those penalty charges back in the first place, you are rich enough to afford a loan? Go you, here is your ppi back, but if you are poor they claim its legal to fleece you left right and centre.
  22. You can certainly try to get some of it back and I would highly recommend trying it although I suspect the chance of success is pretty low, but nothing to loose and all that.
  23. Log into online banking, click on the account in question, then click on previous statements on the left, that gives you access to all statements for the last couple years. There are two things in each one you have to look for, usually on the 2nd, 3rd, 4th or 5th of each month there will be two entries, one for overdraft interest and a second one for the charges. Write down the date, amount of charges and amount of interest in the spreadsheet you can find here: http://www.consumeractiongroup.co.uk/forum/showthread.php?6964-Spreadsheet-with-interest and then print it out and include it with the complaint. While you can obviously try to complain to HSBC again, I doubt it will achieve much, so a complaint to the Financial Ombudsman Service will most likely be necessary. When complaining to the FOS essentially what you write is that HSBC has failed to treat your case as a hardship application, include some details on the hardship caused and a list of the charges. Also I'll just include this as precautionary info and it may not apply to you, If you are in receipt of benefits (regardless if Jobseekers, Disability, Child benefits or whatever) HSBC has no right to deny you access to them, so if you can't withdraw your benefits at the cash machine walk straight into a HSBC branch and demand a manual withdrawal of your benefits money, you may have to ask two or three times, but eventually front line staff will go and get authorization from their Manager to approve the withdrawal and give you your benefits cash in hand regardless of how badly over the limit your account is due to charges.
  24. Just the typical behaviour one would expect from a PDL, make sure you inform the FCA about the blunder, while it won't do much on its own the more people report errors in wongas handling of FCA imposed sanctions the harsher future FCA sanctions will be.
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