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Mistermind

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Mistermind last won the day on July 28 2009

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About Mistermind

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  1. It is understandable that the small fry do not have storage space and computer records and fiche which are routine in financial installations. If documented cases where HFC first siad no they have no records, then later were forced into a U-turn, yes they did have records, this pattern of behaviour constitutes blatant evasion of PPI refund. They would not be lying just to aggrieved customers seeking redress, they would be defying FCA, Information Directorate and BOS.
  2. My SAR to HFC is pending response from HFC. When HFC come back to me as in other cases with zero I shall find myself with nothing to lose, my PPI refund being hopelessly dead and buried. . At the point in time I shall be content to collate together depositions from others in the same boat. Their similar stories detailing obstruction and evasion will expose a pattern of HFC/HSBC behaviour deplored by FCA/IOC/FOS.. Harvey Weinstein was a rich and powerful mogul,. But when a large number of his "me too" victims broke cover and exposed similar stories this exposed an infamous modus operandi which in the glare of full disclosure brought down said rich and powerful mogul. In a free country public opinion should not be underestimated. There so many of us. We little people. We can stand together. We shall be heard.
  3. My new posting on long-running HFC tussle thread: : Hi Big Fish, Latest posting by you was 6 yearsicon ago. In intervening time has there occurred any happy ending, or just happier Such a ? HFC evidently hide behind the non-availability of evidence, then when pressed persistently they dribble out data like giving blood. A group submission could be organised resulting in a letter signed by multiple aggrieved CAG users, to demonstrate a pattern of behaviour on the part of HFC to evade legitimate PPI refunds. Such a joint complaint detailing the experience of multiple injured parties will carry more credibility with IOC, fosicon, FCA. HSBC/HFC CEO can be told in no uncertain terms this communal experience of HFC victims can be made available to the national press, i.e. to HSBC customers worldwide. As for DD's I suspect your bank is likely to have retained info on beneficiary of DD. Once banks have captured such data and stored them on disk, they usually retain same for a very very long time, because retention is much simler than destruction. Barclays Bank refunded my £900 PPI premiums plus interest etc 2 weeks after only one typed letter from me supplying all details. Albeit that was from 2003-2007, No attempt to wriggle, obfuscate, evade. Well done Barclaycard. Shame on HFC. If a number of other CAG users feel they have reached runaround deadend stalemate on HFC refusing to refund, I would consider organising a group-signed letter submission for enhanced credibility and high profile. Be assured when I compose a letter marshalling all the facts it will read like a mailed fist inside a velvet glove, the reader will be left in no doubt that settling is cheaper than fighting. My own PPI mis-selling has always been unarguable, as throughout I was self-employed with no salary, and I never tried to claim against PPI..
  4. Hi Big Fish, Latest posting by you was 6 years ago. In intervening time has there occurred any happy ending, or just happier Such a ? HFC evidently hide behind the non-availability of evidence, then when pressed persistently they dribble out data like giving blood. A group submission could be organised resulting in a letter signed by multiple aggrieved CAG users, to demonstrate a pattern of behaviour on the part of HFC to evade legitimate PPI refunds. Such a joint complaint detailing the experience of multiple injured parties will carry more credibility with IOC, FOS, FCA. HSBC/HFC CEO can be told in no uncertain terms this communal experience of HFC victims can be made available to the national press, i.e. to HSBC customers worldwide. As for DD's I suspect your bank is likely to have retained info on beneficiary of DD. Once banks have captured such data and stored them on disk, they usually retain same for a very very long time, because retention is much simler than destruction.
  5. https://www.consumeractiongroup.co.uk/forum/showthread.php?486689-PPI-on-old-debts-credit-cards&highlight=hfc Hi Rosequeen, have a read, but so far this thread has not shown comprehensive happy ending. I searched for keyword HFC. I have yet to receive SAR response from HSBC re HFC old old account.
  6. What a good idea, thanks. On my SAR I shall additionally request a certificate affirming the date of my data destruction, exactly what data was destroyed, and authorised by whom. I shall make clear if HSBC/HFC fails to unearth past data for my lawful PPI reclaim, that I then intend to make a formal request to the FOS suggesting an explicit audit of nonspecific alleged data destruction resulting in foiling of my PPI reclaim. I shall make clear that when my research plus online experience gleaned from fellow consumers nationwide such as from CAG, exposes past precedents of "data not found" hurriedly replaced by "data found" when Certificate of Destruction was requested, that such HFC/HSBC conduct constitutes a pattern of cover-up designed to thwart the law of England. Based on evidence and witnesses I would request a fullscale audit of HFC/HSBC refunds by FOS..
  7. Many thanks. I will send SAR to HFC Bank head office. I presume this would be HSBC, p o box 5207 in Coventry? That is precisely the office which sent me a reply saying they have nowt records on me going back to 1980's. If they do have my records but say they don't, then in response to my SAR they will have to repeat their first-time lie, but second time with legal penalties for giving a misleading SAR response. Is there any precedent reported in CAG where HFC was brought to book like in my case? Many thanks for your time.
  8. HSBC now owns HFC Bank in Brighton. I wrote to HSBC Coventry PPI claims office giving my name, DOB and precise former address, last week, but they replied to say: no records of my account can be found after 32 years, and that they are not legally obliged to retain documents beyond the statutory period if an account was closed. I also opened a Loan Account in Bournemouth and fully repaid around 1983. -- same answer from HSBC: no records. I myself have retained no records whatsoever, but I am absolutely certain I had those accounts, and 70% sure there was PPI as was standard custom in those days. Is this a dead end? Should I invest in £10 requesting a SAR, if so SAR sent to HSBC Coventry or to HFC Bank in Brighton? Later to complain to FOS if we suspect HSBC does have records? Thanks to all for sharing experience.
  9. I was debited with penalty charges between July 2015 and March 2016, by New Day, owners of Aqua Card. In April New Day wrote to say they do not agree penalty charges were unlawful. County Court claim will cost me fee and time -- a nuisance. Haven't they learnt by now they will not get away with penalty charges designed purely for profiteering?
  10. https://www.gov.uk/make-court-claim-for-money/overview "You can apply to a county court to claim money you’re owed by a person or business. This is known as making a court claim. It used to be known as taking someone to a ‘small claims court’." Aqua Card will not sanction any spend over card limit. What happens is that at the end of each month Aqua piles on interest charges which takes any balance over credit limit, if the balance was there just below the limit. Aqua then piles on the Over Limit Charge. Hard to justify £12 compensation for going say £2 over limit, month after month. I am thinking of requesting Aqua Card balance sheet, Profit and Loss returns etc to justify £12 charge. If Aqua wants to take me on, if my reclaim is upheld by court it will be a precdent. If Aqua is forced to refund penalty charges en masse a la PPI mis-selling refunds, I shall raise a glass of wine to toast Aqua Card.
  11. I believe Halifax Bank Aqua Card are stonewallers who will not refund penalty charges. I shall therefore take my reclaim for 8 x £12 penalty charges to County Court now that Small Claims Court has shut. Any shareable past experience from going this route, thanks?
  12. Have you declared to Egg and cohorts that you regard the account described "terminated" by Egg letter as legally unenforceable? If you claim the lawful part of the account balance as null and void, do you then claim the unlawful part (penalty charges) of the balance to be NOT null and void? Is Egg supposed to refund you cash for unlawful penalty charges on an account the liability for which you now repudiate? If Small Claims Court were to rule in favour of penalty charges refund, SCC would be effectively levying a punitive fine on Egg on principle, but SCC is not empowered to levy fines. At most Egg would reverse the penalty charges plus interest on your account. If the credit refund is exceeded by the debit balance outstanding the outcome would be academic, if you repudiate the debit balance of any size. If you do NOT repudiate the debit balance then it is a different story. The balance becomes payable, and Egg will be required to refund penalty charges. As for reclaim of penalty charges imposed before 2007 six years ago, someone else could advise.
  13. Proof of address usually involves a utility bill, or credit card/ bank statement within the last 3 months? If you write to Egg and claim to be "John Smith" and your address differs from Egg's records. If John Smith is proven by the electoral register to live in the town and street where you claim to be, that does not exclude the contingency that John Smith did live there, but in the 10 months since the Electoral Roll was refreshed has moved away, and Mr Arfur Daley has come to live in selfsame house and is now masquerading as John Smith to gain some advantage. Not casting aspersions on your good self, heaven forbid, but that is the line of reasoning why Egg does not send out SAR without recent proof of address.
  14. Mistermind

    Egg successes.

    There were merely 83 pages of postings on this subject before the thread was closed to further postings in 2011. http://www.consumeractiongroup.co.uk/forum/showthread.php?136848-Termination-of-Egg-credit-card-agreement/page83 The final posting on page 83 sums up what was actually happening in 2011. If you wish to know what has transpired since then, best to PM the posters in the latter stages to find out if anything new happened. Ps. You might like to click User CP at the top, then select options for posting -- switch from WYSIWYG to Standard Formatting then save. That way your posting will retain paragraph breaks as typed in.
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