Dear all I took 3 court actions against hsbc based on BCOBS unfair treatment and breach of data protection act as well as breach of contract The deadline of the witness statements was on 17th July which I (claimant) provided them within the deadline I received a letter on 19th July dated on 17th asking me by CPR 3.8 extension of this deadline I gathered some information on the internet and this website and responded to them the following (as I did not want to be seen who is not co-operating but at the same time I don't want to allow them to get away with their mistake as thee is no valid reason given) "The claimant may wish to not oppose your request of extension however at the time that claimant received your request (19th July) the deadline had already expired. According to the claimant's interpretation of CPR; 3.8 (as you mentioned in your letter) might have not been effective in our current position unless the court were persuaded therefore any extension is a matter for the court at this stage" So they ignored this part of the letter and they provided their statements and last one I received yesterday, the court is on 31st July So far they have not filed any application to the court What do you recommend? Shall I provide these correspondence to the court? Regards

Morning Everyone, First of all many thanks for taking the time to read and help me with my problem. A few years ago I had a overdraft with HSBC which I defaulted on. They instructed Moorecroft to collect the debt which I paid back of a 4 year period. I finished paying this late April. I then received a letter from Moorecroft saying the account had been settled and I had actually over paid by £40.00. Moorecroft told me that I would need to contact HSBC to arrange for this money to be returned. I called HSBC who wouldn't speak to me as my account number and telephone banking details are no longer valid. I went into my local branch who advised me to call Moorecroft as they have nothing more to do with me. Moorecroft said the same. I emailed both HSBC and Moorecroft on the 17th June asking who was responsible for paying me back. I only received a response from Moorecroft saying it was HSBC's responsibility. To this date I have still not received any response from HSBC. What would be my next course of action? I would really like to start charging them interest for not paying me back like they did me. I know it's not large amount of money but its the principle that they hassled I'd like them to know how it feels Any help would be very helpful.

Hi there, I would like just to ask what to do now. I am from the Czech Republic and was in Bideford, Devon, England last July 2013 and because of my temporary job I opened a basic bank account in HSBC there… Several days ago, I received a letter (not an e-mail) from the branch that due to inactivity my bank account will have been suspended on 7 August 2014. I haven't had the Internet Banking, I only have had my debit card. I came from my holiday and found the letter in the box on 5 August... Great! I contacted the branch here in the Czech Republic, but they sent me just an information, that they do only business accounts and could not help me. It is not possible for me to visit England now and it is very expensive to call to the UK. I just wanted to have this bank account for my next trips to the UK, and I said that at the branch in Bideford and the lady told me that it is not a problem, so we opened only the basic account for this reason. I was confused by the letter they sent me. Is it possible to leave my account suspended (frozen) until I go back to the UK? When I come to England again I would go to the nearest branch of HSBC and I would activate my bank account. I tried to search the internet, I even contacted HSBC via their contact form, but after I sent it it said "we cannot guarantee a response to all messages". How come? I hope you know more, thanks a lot! Aleš

Had a call on my mobile today asking for my partner (as it is her phone really) purporting to come from HSBC. The number displayed as only '207335'. Asian sounding lady would not discuss anything with me. Anyone else had such a call? Fred

Hi, I am a little confused about something and was hoping someone can help. I have been on a dmp for the last few years and one of my debts was an hsbc credit card. As far as I am aware the debt was sold to brittanic recoveries and then being serviced by Moorgate along with another of my debts (MBNA). However, today my HSBC debit card was declined and I was locked out of internet banking. I called HSBC and they said it was related to my credit card account but that department was closed. After insisting on an answer I was told that the accoiunt was frozen and funds allocated to my cc debt. My question is are they allowed to do this if the debt has been sold to someone else? Seems a little odd to me. Thanks Tim

Good evening, I am hoping someone may be able to advise me on what is becoming a very difficult situation. I apologise in advance for the long post but I need to explain the background for it to make sense. I have always wanted to be a pilot and following many years of hard work, I was offered a conditional job as a private jet pilot with NetJets Europe in 2008 on their cadet pilot programme. The condition was that i successfully completed the pilot training course at Oxford Aviation Academy. I would then be taken on full-time within 3 months of finishing the course on a salary of around £50k. At the time, the only bank offering budding pilots a loan to do this course was HSBC and they worked closely with the flying school to ensure that all the successful applicants (who were not fortunate enough to have a spare £68,000) - were directed through their doors in order to take out a loan. There were two products offered by HSBC- self sponsored and sponsored. If you applied to the flying school with no job offer and with the intention of finishing the course and then sending out your CV you were classed as self-sponsored and you could borrow £50,000 over 10 years with no payments until 3 months after finishing the training. If you had a job offer from NetJets like I did then you were classed as sponsored and they tailored a product specifically for this. You could borrow £60,000 but only over 6 years as the salary was high in comparison to the mainstream pilot jobs with RyanAir for example. So £60,000 over 6 years it was and my business plan was submitted. This business plan contained three outcomes.... 1) I complete the course successfully, get the job and repay the loan. 2) I suffer a medical condition out of my control and lose my medical - Insurance was in place to cover this. 3) I fail the course and cannot take the job - I would return to the world of sales until I could afford to successfully finish the failed sections and apply for a mainstream pilot job. What actually happened could not have been planned for... Half way through our training course in May 2009 (and after the recession hit), we were told that NetJets could not honour their initial commitment of taking us on within 3 months of finishing the course as business had dipped. Instead they would give us two options, leave with small lump sum and continue the training course as a "self-sponsored" student or they would put us on a long term leave contract where we would be paid a stepped down salary and we would be taken on within 3 years. During this time we did not have to keep our flying licenses current as they would provide re-training and we had to seek written permission to work elsewhere in another flying job. I opted for long term leave and immediately contacted HSBC to notify them. Despite telling me (at the time they were selling me the loan) that they had a good understanding of the aviation market and could be flexible to accommodate unforeseen circumstances, they said it was far too early to do anything about it and to contact them 1-month prior to payments starting!! Payments were due to start in June 2010 at £979 per month and my first contact was made in May 2009 to notify them of what was happening. Not wanting to leave it until the last minute, I contacted them again in November 2009 and February 2010 to be told the same - wait until 1 month prior. I had requested that they stretch the terms of the loan from 6 years to 10 years like the self sponsored students which would make the payments manageable and was told this should be fine but couldn't be looked at until 1 month prior. When I contacted them in May 2010 as requested, they decided they needed time to look into it and suggested that I defer my payments for a further 6 months to start in December 2010! - it was again mentioned that extending the terms shouldn't be an issue. despite agreeing to defer for another 6 months, they tried to take the first payment in June and then admitted an error followed by a refund which left a yellow mark on my credit file that remains to this day. I then heard nothing until October when a lady called to check I was ready to start making payments at £979 in December. I told her that I was awaiting them to look into extending the terms and no, I wouldn't be in a position to start payments as my salary was only a fraction of what it was meant to be had I been working full-time. She advised me that there was no way the bank could extend terms, it would never have been an option and the bank have helped as much as they can by agreeing to defer payments for a further 6 months!!! - This was their request not mine! The debate went on for several months, I started payments at the full amount but continued to explain that I would end up in financial hardship should they not help me. In the end I was advised by the bank to fall into arrears by 1 month in order for collections team to get involved as they had more power to assist me. This seemed ridiculous so I contacted the Ombudsman. They agreed with the bank and advised me to do the same.. . fall behind 1 month and let the collections team help me. Collections agreed to freeze my arrears and let me pay a reduced amount for 12 months but this didn't help as my reduced salary would be for up to 3 years. This was the most they could do apparently. I was now a month in arrears, two yellow marks on my credit file and facing the prospect of payments returning to £979 at a time when my salary was being stepped down. In the following months I was fortunate enough to receive a small amount of inheritance from a family member which enabled me to pay the arrears and get back on track as I was now in my final year and would return to work in June 2013 on full salary. Then in June, days before I should have returned to work, I was made redundant. Leaving me with £35,000 left to pay HSBC, lapsed licences which would cost at least another £5,000 to resurrect and therefore no chance of finding another flying job. I have struggled over the last 12 months and managed to keep my payments going by starting my own business but growing a new business with no money is extremely difficult therefore I have slowly drifted back into the realms of financial hardship with nothing left in my overdrafts. Having got nowhere with the bank the first time round and even less joy from the financial ombudsman, I wondered if anyone could suggest anything else to try? The loan is secured on my parents house so you can imagine the stress and worry I have at the moment. Sorry for the long winded post but without the background, it wouldn't make any sense. Kind regards Richard

Hi there. I have a court summons pending with MKDP. I have read through lots of threads on this site, which have been a great help and enabled me to get some way down the line. I would just like to consolidate where I’m currently at, as this part becomes somewhat vague in the existing threads. I would be very grateful for any advice on my next steps. Debt details: HSBC Bank: Loan Started: 2004 Defaulted: 2007 Random debit card payments made here and there up until 2012, so the debt is not statute barred, but no longer on my credit file. I can’t remember anything about the loan - PPI, other penalty charges - even the original amount! County Court Claim: Issue Date: 01 May 2014 +5 for Service: 05 May (actually received on 09 May) +14 to Acknowledge: 20 May +14 Extra: 02 June Amount Claimed: £2,005.00 Court Fee: £105.00 I have decided to defend, as I moved in 2010 and have only just been tracked down at my new address, so did not receive a NOA. I also have no idea how the claimed amount has be calculated. I should have received a response from MKDP before today (unless the +5 service is also applicable to them?), but I haven’t, as of yet. I’m becoming conscious of the increasingly tight time frame. More details below. Other Info: Claim Form received: 09 May (evening - slow postal service) Sent response (as per below): 12 May (both 1st Class recorded delivery and £1 postal order receipts filed) Signed by MKDP: 13 May Acknowledgment of Service: 19 May (online) Response: None (as of yet) Particulars of Claim: The Claimant claims the sum of £2,110 being monies due from the Defendant(s) to HSBC Bank plc under loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on 13/03/2013. Notice of assignment has been provided to the Defendant(s). The Defendant(s)’s loan account number was [emitted]. The Defendant(s) has failed to make payments in accordance with the terms of the loan agreement. A Default Notice has been served pursuant to the Consumer Credit Act 1974 by HSBC Bank plc. The Claimant claims the sum of £2,110 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. Response to MKDP: MKDP LLP Fleming House Seebeck Place Knowlhill Milton Keynes Buckinghamshire MK5 8FR 12th May 2014 Dear Sir/Madam Re:- County Court Claim No. [Emitted] With reference to the above County Court claim, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (Sections 77-79), I are entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned. I understand a copy of the credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you. Yours faithfully [Emitted] Thank you for taking the time to read the above. If I’ve missed anything, please let me know. Any advice on how to proceed would be gratefully received.

Took a credit card with HSBC over 10 years ago. Defaulted in 2010. Started a payment plan at £80 a month with metropolitan in 2011 or 2012. Been paying no issue up till now. Marlin have written to advise that they have purchased the debt for HSBC and have set up a DD at my agreed payment amount. Firstly are HSBC allowed to give out my bank details? Secondly why would they sell when repayment was agreed? What is best to do here.? I know there is no PPI on this card, but already have sent a SAR off to look at charges.

Hello All, A quick question... My partner successfully claimed the majority of her bank charges with HSBC back in 2011. They owed her roughly £4,000 in excessive charges from 2006 to 2010. Of course she was not aware of the 8% interest she could of got on top until now (reading threads on these fantastic forums!) She has since ditched all paperwork relating to this since she accepted her pay out (which was about £400 less than her final figure) Can she still put in another claim to receive this interest back too? As she was never aware of this at the time. If so, would she have to go through the whole process again seeing that she no longer has the paperwork, including that which detailed her receiving the successful pay out? Thank you for your help! Regards Wulfen40

Seeing as this might be a long thread (unless HSBC get their act together!). I sent off my SAR to HSBC asking for information on all my accounts (this was made bold and in capitals to ensure they understood the request!). They have since sent me a nice 2 page letter giving me the details of a loan, and the PPI reference numbers for both the loan and credit card. They claim they couldn't provide me with further details as it is held with another Data Controller (cunningly titled HSBC General Insurance). The letter also states the information provided is free and therefore they have returned my cheque (funny as it was a postal order) - Which wasn't included in the letter! As there is a week to go before the 40 day deadline is up, should I write now and tell them they've failed or should I wait till it has expired and send the failed letter?

Hello, I asked MKDP for a deed of assignment, the response back from them was to send a notice of assignment which has an incorrect outstanding balance on it. To be honest I suspect they copy/pasted and forgot to change the outstanding amount. Any suggestions where I go from here?

hi this is the first time posting on here , so i hope im in the right place i have a personnal loan from hfc taken out in 2004 which i missed payments on it was passed to lewis group who now have passed it on to moorcroft i have recieved the cca today which is a photocopy with the terms and conditions photocopied on the back the terms and conditions are almost unreadable there is no date of signiture at all also i have just noticed they have been charging me ppi, can i still claim for this thank you chris

I took out joint Midland Bank VISA / Mastercard credit cards sometime before 1997. I have credit card bills going back to that year, which show that i was paying Cardholder repayment protection from at least that date, but I do not know when I took out the credit card, or when the PPI was sold to me. I do not have any original documentation that I can find so far. I do not remember when I took out the credit card, but could have been from 1989-1997, with somewhere between 1992-1995 most likely probably. I would suspect I applied within branch, but cannot remember, and also that the PPI was sold to me at that time. I cancelled the PPI in 2007. From 1994 in my first true job, I had healthcare insurance that would pay me 75% of my salary indexed linked for the rest of my life if I was off work for illness or due to an accident. I also always had savings that would have paid off more than the maximum amount of the limit of the credit card borrowing. Do I have a good case for claiming miss old PPI? Would the best action to first do a SAR for HSBC, or can I just fill out a PPI consumer questionnaire (I have downloaded a standard one from Martyn Lewis's website) with the above information? Thanks - appreciate any advice you can give.

Hi, hope someone can help. I have had a payment agreement in place since Jan for a period of 6 months, the plan has now come to an end from a previous thread i started i received some great help and advice. The last letter i received from HSBC stated that my account had been passed to Metropolitan Collection Services and Once the six months had expired MCS would contact me. The account is for a personal loan it was given to me as i was always OD and just about paying the minimum on my credit card they put it all in one loan. I have been paying it back for approx 4.5 years and still only managed to pay 3000 off a 10000 loan. I can't find any of the details and with to CCA and SAR them, my question is who do i send the requests to is it HSBC or MCS?

Hi I hope some one can help, I am in debt like a lot of other people, and have tried to ignore it too, but finally pulled myself togeter and its time to face it head on. I owe HSBC overdraft £215 account taken in about 2000 (approx guess) HSBC CC £1366 taken in 2005 I believe? Co-op Student over draft £2124 taken in 2007 (with lowells and bryan carter now) Very £321 (with lowells) taken 2011 isme £289 (with lowells) 2011 littlewood £649 (with lowells) 2011 I got in trouble after uni as I thought getting a degree would mean a job but as the ecconomy crashed in the middle of my time at Uni, it proved difficult and all the credit that is offered as a care free student soon gets nasty when you finish and dont get a job. I had low paid jobs to start with and couldnt afford repayments, then I had an injury at work, which is when i resorted to catalogues (stupid idea I know). I have sent CCA's to all accounts with Lowells and bryan carter several months ago!! they did not respond with in 12 days?? the only response I've had is 2 days ago a letter from Bryan carter with a copy of my statements from co-op?? nothing else! the letter says I hope this resolves the issue?? what do I do now?? Also the smaller debts with Lowells I was hoping to make a full and final payment offer of about 25% (as lots of the cost is interst and charges). Also the same for HSBC over draft and pay 1 a month off? do you think this is possible? I havent heard anything from HSBC when would they be removed from my credit file? if they are still putting a default every month on my credit file will the debt stay there forever? Sorry it's long winded, I've so many questions and I want to get it sorted so I can sleep in peace for the first time in years.

Hello Am brand new on here and also never posted in a forum before. I would really appreciate some advice on MKDP trying to collect a debt that I think is statute barred. If this is not the appropriate place to ask this question could someone please direct me??? Thanks

Hi can anyone help me, I have sent a SAR request to HSBC, I used the following address: HSBC Bank Plc Service Quality Team Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP I sent the letter Signed for delivery with Royal Mail. My problem is when I track the letter on royal Mail it says that they (RM) have the letter, does that mean that no-one signed for the letter at the address and it is sitting in the Post Office. Is there another address I should be sending the request to, how long will I be expected to wait for the information? Grateful for any help!

Hello. It's been almost 5 years since i was last here. Still paying off that damn managed loan! During 2004 when i was originally pushed into taking the loan (due to dire financial circumstances and a lost job that meant i could not pay my debts) I was told that the loan was "managed" and would be regularly reviewed until i was in a better position to pay it. After a year i asked for it to be reviewed and they told me that managed loans weren't dealt with in that way. A story that i've heard other people tell since then! At that time, i was heavily depressed and taking prescription antidepressants. I remember very clearly crying in the branch when i was talking to my bank manager about how i needed help and asking what they could do. I feel that i was exploited by the bank and made to take a product that, had i been in more of a clear-thinking place rather than severely depressed, i would have thought about more and asked more questions about instead of snapping their hands off at anything they could do to help. I'd like to know if this type of manipulation by the bank is actually even allowed, and would it be classed as mis-selling? thanks in advance BB

Hi, first post so please bear with me. My husband submitted his NDL Cashflow to the HSBC in April this year when he realised he could not meet his commitments, mostly in return he has had letters advising him to get help from a DC and of course the phone calls. The HSBC also denied that he had written to them so he sent them copies of the recorded delivery receipts and complained about the way he had been treated, he did receive a better response to this and an apology and a refund of charges for that month, he also pointed out that he would not deal with this matter on the telephone and would they please deal with it by letter, he also received a letter offering him a reduced full and final settlement which he replied to saying if he had any money he would be making his monthly payments, no reply yet. Frankly this is one of the more baffling elements of being in debt, you do what you think is the right thing and offer what you can and it gets ignored? I cannot see any merit in totally ignoring an offer,they can always say no (in writing of course). I think it is back to the drawing board Rohannah

HSBC letter advises me my small debt being passed to Marlin. (OK) Letter alswo says Marlin will set up direct debit from details passed to them by HSBC and I do not need to authorise it! Surely this is illegal and tantamount to fraud. I complained by phone and advised them they were not to divulge my Bank details. I have now also cancelled my direct debit to HSBC. Which bodies can I refer this practice to?

Mr Cotton says the staff refused to tell him how much he could have: "So I wrote out a few slips. I said, 'Can I have £5,000?' They said no. I said, 'Can I have £4,000?' They said no. And then I wrote one out for £3,000 and they said, 'OK, we'll give you that.' " He asked if he could return later that day to withdraw another £3,000, but he was told he could not do the same thing twice in one day. “As this was not a change to the Terms and Conditions of your bank account we had no need to pre-notify customers of the change” He wrote to complain to HSBC about the new rules and also that he had not been informed of any change. The bank said it did not have to tell him. "As this was not a change to the Terms and Conditions of your bank account, we had no need to pre-notify customers of the change," HSBC wrote. BBC ...

Ok, this is a long one so I will keep it as concise as possible. To try and avoid paying out an agreed £5,400 in miss-sold PPI, HSBC decided to illegally register a £9,000 debt in my name so that they could pay the money directly to Metropolitan. This was done in July 2011, two weeks before I was due to be filmed for Dragons Den. The result of the registered debt was that I am still unable to raise any finance for myself or my soon to be closed company and I have lost patent applications worth an awful lot of money. I am in the middle of investigations by both the FOS and the ICO and am soon to be taking legal action against HSBC for compensation of around £10,000,000. For a detailed timeline of events and copies of HSBC documents and internal emails go to the Crocodile Keyboards website. I would appreciate anyone who could spend around ten minutes taking a look and giving their opinion on the legality of what HSBC have been doing. I have been told that I am eligible for legal aid but I am waiting to find out to what extent this help will be. Many thanks.

Had a VERY upsetting afternoon. I suffer from Hypothyroidism and Hashimoto's Disease. Quite common but only been diagnosed a short time and still trying to get medication correct. I was a Carer for my mum for 10 years but I have now lost my home due to her having to go into a home. I am currently with friends and on benefits. I have many problems which I won't go into here. Because of this, last Jan or Feb, by luck I spoke to someone at HSBC about excessive charges which some got refunded and others didn't. He set a plan in place whereby, because of my long term situation, they were not to charge me overdraft charges. I had to phone every 3 months to reset the plan as they could only do it at 3 months at a time. This seemed to go well until one girl raked me over the coals asking me many questions about my expenditure and that she wanted me to cut out my spending. A few weeks later I got sent a new debit card. I knew nothing about the old one being lost, as I thought so phoned the bank. To cut a long story short she had, unbeknownst to me, cancelled my debit card which was contactless and sent me a non-contactless one and on further investigation had cut my spending limit per day from £100,000 to £10,000. Now I can't afford to spend either but the customer adviser told me to complain. I did and they apologised and gave me £50 compensation for the trouble. EDIT forgot to say here, I was "punished" for being poor by having the contactless thing taken away - I couldn't really care less but it's the principle. So, re-setting the plan with the bank worked well til today. It took 2 1/2 hours of them asking me very invasive questions about things I had purchased upon my account, wanting to know what was wrong with me and when I would be working again and making me feel like I was lying and probably a criminal. "You bought something from Amazon, what was that for?" Do I have to go through this discriminatory behaviour every time I renew this plan? They tell me I do because for some reason they don't want to look at incoming and outgoing and see my position hasn't changed. I am not a wimp but this has left me very upset and distressed. What can I do and who should I contact please?

Hi - received a Summons today from MKDP and POC claims that is monies due under a bank account facility but in fact was a First Direct Gold credit card! Can someone with more experience confirm we're doing right thing in sending CPR 31.14 for documents to claimants asking for copies of said bank account, original agreement, DN, TN and NoA that they intend to rely on? We're a little confused as to why they are stating it is a bank account when it was very clearly a credit card. We have statements from August 2008 (when the account was terminated?) t hat state it is a 'gold card statement' and looks exactly like a normal credit card one - with credit limit, etc. We're assuming that as it was a credit card they cannot take us to court saying it is a bank account?

I have a debt that is "almost" 6 years old. It's an old debt from HSBC that was bought up by Lowell and then passed on to Marlin. It was just coming up to the 6 year mark and I found papers on my doormat tonight from Northampton Court. My debt was due to hit the 6 year mark on the 25th of the Month and the claim was issued on the 4th. Does anyone know if the claim cannot be completed because its running over the 6 years or .. As I fear they got in just in time and I am indeed liable? The court form is legit, but there is very very little info on it. An HSBC account number (That I don't recognise). What's the best thing to do here? The claim was made by Restons on behalf of Marlin who bought the debt from Lowell, who in turn bought the debt from HSBC. Thanks in advance Gordon P.S. The debt was actually due in 04/05/2006 so it's over 6 years now but the default was set on the 25/10/2007. Does this make a difference?