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losingmymind last won the day on April 1 2011

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  1. I have been on the phone to the Pensions Advisory Service and the Pensions Ombudsman today (they're not in the same office any more) and have been told my case is one for the Financial Ombudsman because it is based on the financial advice I was given all those years ago. Looks like I'm just going to have to wait for my turn for my case to be looked into.
  2. I do see where you are going with this, but when I originally decided I was going to make a complaint I followed HSBC's outline for making a complaint and they're not responding to me, hence me taking it to the financial ombudsman (case not been allocated yet, so I'm going to speak with the Pensions Advisory Service tomorrow and decide whether I need to withdraw that complaint and pursue through the Pensions Ombudsman instead) Are you saying that there should be a proper complaints procedure for this sort of complaint and that I may need to start the process all over again?
  3. I see what you mean. Although the mis-selling actually happened in the 90s, long story short, I thought it had been dealt with back then, but then found out two years ago that there was a pension still in existence, although by then it had been transferred or sold to ReAssure to manage. given that I have only been aware of this for under two years I do think I fall into the 3 years time limit. I have been communicating with HSBC (not that they've reciprocated - they have ignored every communication sent) about the issue since last summer and have evidence of the correspondence sent (2 emails and 1 letter sent through the post which was signed for).
  4. Hi ericsbrother, thanks for your reply. I looked into the Pensions Ombudsman last year and their information says that they can't help with the mis-selling of pensions, but I will contact the Pensions Advisory Service to double check.
  5. Yes, that's it in a nutshell, although it's Teachers Pensions. Maybe LGPS was before my time?
  6. This has the potential to turn into a very long post, so I shall keep it as brief as I can. I was mis-sold a pension by HSBC (Midland Bank at the time). I was a teacher and was advised to opt out of Teachers Pensions early in my teaching career and then later was advised to opt back in. I lost about a year and half of potential contributions to Teachers Pensions. I thought HSBC were going to redress the situation. Two years ago I discovered that they hadn't. Since then I have emailed and written to HSBC with my complaint trying to get the situation redressed myself. To date the bank has not responded to nor acknowledged any of my complaints. I have not banked with HSBC since about 2000 so I suppose they think they can get away with it. The last time I wrote, which was last December, I told them they had had more than enough time to look into my complaint and that if I did not hear back from them I would take it to the Financial Ombudsman. I heard nothing by the date I gave them and the following day (9 January) made my complaint to the Ombudsman. I have heard from the Ombudsman to say that they have received my complaint but that it is awaiting a case handler. According to their website this could be as long as a 7 months wait! I was retired from teaching 17 years ago on health grounds and have been in receipt of a pension that should have been more had HSBC bought back the lost contributions. I am losing out financially every month, which has been pointed out to them in my complaint, but we are no further forward. I don't seem to be able to get their attention over this matter. Would it harm my case if I were to write again, this time telling them that it has gone to the Ombudsman, but threaten writing to their CEO or going public, going to Martin Lewis, Money Mail etc. just to get their attention? I don't want to jeopardise anything by going public, so need some advice over what to do next as I don't know what I should do. I'm trying to get this sorted out sooner than having to wait 7 months just for my case to be allocated to a handler. I would welcome any suggestions please.
  7. Thank you. I am certain it is SB'd, but I'll see how things go before I sock it to 'em with the SB letter/email. Coincidentally, I haven't heard anything from them since I originally posted...hmmm...!
  8. I took out a loan with Minicredit for £100 (minus their £20 for a faster deposit, so only £80!) in May 2011. In July 2011 I offered to pay the original loan + one month's interest (£125) but never received a reply, but they did continue to add charges to the amount outstanding right up to them defaulting the account. The account defaulted with all their made up charges at over £800 by September 2011. Opos/Kapama have chased this debt since some time in 2012. They stopped harrassing me by email and voicemail messages (I never pick up) last June 2017. The debt fell off my credit files last September when the debt became Statute Barred. Last week the phone calls started again. They are phoning almost daily and telling my voicemail I have until 8pm the following day to make contact. They are also emailing about my 'outstanding balance' that needs paying in full! I know that this debt is Statute Barred, and if they bothered to read their own paperwork they'd know this too. So, my dilemma is this... do I just ignore them as I have done for 6+ years until they get bored and stop again? Is there anything they can do if they are truly ignorant of the fact this debt is SB? Or, should I let them know this debt is SB and tell them to get lost and not harrass me any further? Any advice gratefully received, thanks.
  9. I don't live in the most private of places and whenever there is a new face around asking where someone lives it gets the neighbours talking! And people do need to ask where I live as it's a little out of the way. It's a small community. I try to avoid having DCs calling! I received further communication from RW yesterday at my address, and it doesn't look like they're writing to next door. They want me to set up a repayment plan with them - not likely! I've also been mooching around the internet and called the National Debtline as it could just be that this debt is already statute barred - I've just got to determine when Nationwide initiated the demand for repayment, the 'cause of action' apparently. I believe it was during 2009, which means that 6 years have already lapsed. The Nationwide started reporting a delinquent account on my credit file a full 17 months before they got round to reporting the default. I'm sure they must have demanded payment within a month or two of reporting the account was in arrears. Only one way to find out I guess. Will initiating a request for a SAR wake them up to the fact that I'm still around, or are we past that now the debt is with a DCA?
  10. Hi dx100uk, I can't scan it, but this is what it says: Dear Ms Bloggs Previous address: Neighbour's address next door We wanted to write to you at the previous address noted above, but have been provided this as a new contact address. If you are the person named above. please contact us on the telephone number below between the hours of 8am and 8.30pm. If you are not the person named above, please contact us to ensure we update our records. Freephone 0800 085 2958 Yours faithfully Customer contact manager I can see that this is probably a phishing letter. However, they have been writing to me at my address about the debt until this one turned up and I have ignored their correspondence. Am I panicking unnecessarily? Are they likely to try to doorstep me?
  11. Hi all, I'm resurrecting this thread because there have been developments of late. When I last posted on here I was being pursued for this debt by MKDP. That was in 2014. As per my usual self I continued to ignore them and they did go away. Then last October I started to receive letters from Robinson Way and a further default for the same debt appeared on my credit files from their parent company Hoist Portfolio Holding 2 Ltd (I now have 2 defaults for the same debt showing). Robinson Way have been sending letters roughly once every 3 weeks to a month, which I have continued to ignore. This debt becomes statute barred in November. The last letter they sent was one where they said they were going to write to another address - one which is on my credit file which was put there by Motormile Finance, even though MMF have always dealt with me at my address and I've never lived at the other address, which also happens to be my next door neighbour. My neighbour and I don't speak - he's a neighbour from hell - and the last thing I want is them corresponding with him. He won't post any mail through mine, but will open it and gossip, so I don't really want that to happen. If Robinson Way have accessed my credit file to find the info about the other address they can see that there's nothing of mine at the neighbour's address anyway. All my credit history is on my address. So, my dilemma is this. What do I do? I want to let this thing run so that it is statute barred at the end of the year. But at the same time I don't want RW to force my hand because of the other address they think they have. How can I make this run so it just times out without RW 'winning'? I need to know what I can do legally to delay them. I've never acknowledged the debt, and I'm so close to it becoming unenforceable. I don't know anything about RW so I need to know what I'm up against. Any advice is welcome, thank you.
  12. Thank you. So if I send a SAR to Nationwide (I assume the template is on here somewhere?) they'll send all statements in reply will they? And then how do I go about a penalty charges reclaim? What is the account in dispute letter? Is it a CCA request?
  13. Yes, I only had the one account with nationwide. The default amount showing is the amount MKDP are now trying to get out of me.
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