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loz

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Posts posted by loz

  1. I already mentioned this on my PPI thread (and also described the circumstances under which I was forced into this loan):

    http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/121338-ppi-hsbc-loan.html

     

    Thought the issue is worth raising here - I checked the T&C which form part of the loan agreement, and can't see anything which specifically gives them permission to pass my data to third parties ie. Credit Reference Agencies :o

     

    tc1zb7.th.jpgtc2xb3.th.jpg

     

    Before I go shouting at them over this I thought I'd consult you wise CAG people just to make sure that I'm within my rights to complain about this. There's nothing in the CCA 1974 which allows them to do this without my specific permission, right?

     

    As soon as I'm done with my PPI complaint I will be complaining about the selling of the loan as a whole, and the Data Protection Act has just been added to my list of grievances.

     

    Thanks in advance for your advice,

    Loz

  2. Exactly my thoughts HHNF, as soon as I'm done with my PPI complaint I will be complaining about the selling of the loan as a whole, and the DPA has just been added to my list of grievances.

     

    Maybe a new thread in the HSBC section would be in order, to draw people's attention to this - this certainly won't be the only agreement with no consent to data processing :rolleyes:

  3. How lovely of HSBC to keep giving me reasons to dispute this account and therefore delay paying the arrears I do have - a letter dated 9th April claiming my monthly payment was not made. Erm, yes it was, it left my account on the 1st and the details on the standing order are correct :rolleyes:

     

    Loz

  4. An other letter dated 20th March regarding my PPI complaint, unsurprisingly telling me they are still investigating... they have 12 days tops I reckon before their 8 weeks are up and I can go to the FOS.

     

    The other issues I raised - they are still claiming that I missed a payment but can't make up their minds when! I've been told 3 different dates by 3 different HSBC staff, November 2007 then October 2006 and now September 2006; I keep telling them that the statement they gave me contradicts their claims but they really are determined :rolleyes:

    If nothing else it's a fun game and a legitimate way of disputing the account, which is quite useful at the moment :p

     

    Finally I explained my reasons for requesting repayment of the interest on the charges portion of the loan (£271-47 of £687-00), and their response is as follows:

    I can see that you were refunded £737-24 in November 2007. Please note that I will not be looking to refund any interest.

    Well actually it was November 2006 but the charges that became part of this loan were reclaimed in May 2006 - can I really push for this interest to be refunded even though I accepted full & final settlement on that refund? :confused:

     

    Loz

  5. Ah that's my way of writing currency, I can't remember why I started using a dash instead of a decimal point but old habits...

     

    The letter was dated 26th March which (accounting for the weekend) the DD will be taken today. I think I have grounds to ask my bank to reverse it, because the letter says the payment due is zero.

  6. My first post in the Halifax forum... I'm about to send my LBA regarding £144 in charges, having (at the second or third attempt!) got their standard response. I should have pushed them sooner but I've had higher priorities unfortunately :(

     

    Last May they decided to reduce my credit limit by £100, and of course they didn't notify me in advance because their T&Cs don't say they have to. Never mind outdated ideas like courtesy... "Coincidentally" I went over limit pretty soon after (due to an emergency cash withdrawal which Halifax allowed), for which I was charged. Etcetera etcetera.

     

    I moved in October, within the same block of flats but a move all the same, and of course I notified Halifax. I didn't really notice that I hadn't received a statement until December, so I told them again. Then the postman actually did what I'd asked him and I got a letter about arrears, still addressed to the old flat. I told them yet again that I'd moved, and at the third time of asking they got the message. I reckon by not processing my change of address they have broken their own T&Cs:

    2.2 We will send you a monthly statement ...
    What they have done is send my statements to an empty property (!)

     

    I attempted a month or two back, despite my A+L-induced problems, to make a substantial enough payment to get the balance within limit. Surprise surprise, a subtle change in the date they apparently apply their "overlimit" charge meant that I did not succeed...

     

    Grrrr.

  7. Quick point!

     

    If I go to a cashpoint and try to withdraw cash from my Halifax Cashcard account and have insufficient funds it refuses me, but it does not charge me. However if an automatic direct debit is presented with insufficient funds it will NEVER be paid, yet they charge me £39.00 for the privilidge. The same technology is present, where is the justification?

     

    H

    I've been wondering this for ages... It would be great if a bank had to answer this sort of question in court :roll:

  8. I wrote again last week to ask for this refund by cheque, and just received an email from Sue Jones - apologising for not having received my previous letter and agreeing to send me a cheque. Result on the PPI! :D

     

    As for the charges (again!) and my request to change my payment date, they are on their last chance before I escalate that particular complaint...

     

    Loz

  9. Letter from HSL:

    Account no: xxxxxxxxxxxxxxxx

    Balance: £xxxx

    Payment due: £0-00

     

    We have received notification from your bank advising us that they are recalling the latest Direct Debit payment. We will represent your Direct Debit for payment ten days from the date of this letter. Could you please ensure adequate funds are available.

     

    Please note that your regular instalment of £29-35 is due on 25/03/08 monthly.

    See the contradiction? My question is, can I legitimately ask for the DD to be reversed because they have asked for zero? I've done this once before but that letter did not have the contradictory £29-35 on it...

     

    Have applied to defer again anyway but I'm not impressed with HSL, particularly the standard of their correspondence, and that money is fare more useful to me than to them.

     

    Loz

  10. They did exactly the same to me, with no notice, and I also had trouble getting to speak to somebody to find out what had happened. Eventually I got put through to the right people by calling the number for the internet banking helpdesk. Very helpful, not. :mad:

     

    I've taken my complaint about this to the FOS and I encourage you to do so too - however I made the small mistake of not exhausting A+L's complaints procedure (which as we all know is a waste of space) and the FOS will not do anything until I've done that.

     

    Best of luck,

    Loz

  11. Ah sorry, maybe I wasn't clear in my post. They will accept £65 for 6 months and then we go back to normal, as far as I can tell. In terms of helping me get things in order it's a help, which is all I was after in the first place...

     

    Loz

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