Hello CAG people! (This site is amazing) I wonder if you could have some assistance - I'd be very grateful. I have requested bank charges of a now-closed business account. HSBC have offered these are listed below. Could someone tell me what I can claim back and what the interest should be? I have added a draft of a letter. Is it appropriate? Many thanks! - 15th June 2011 OD Fee - Account Overdrawn - £24.00Dr - 15th Jun 2011 Debit Interest - £0.38Dr - 16th July 2011 OD Fee - Account Overdrawn - £48.00Dr - 16th July 2011 Debit Interest - £0.52Dr - 3rd August 2011 B06 Unpaid Item - £25.00Dr - 4th August 2011 B06 Unpaid Item - £25.00Dr - 10th August 2011 B06 Unpaid Item - £25.00Dr - 15th August 2011 OD Fee - Account Overdrawn - £24.00Dr - 15th August Debit Interest - £0.33Dr - 15th September 2011 - Account Overdrawn - £56.00Dr - 15th September 2011 - Debit Interest - £1.84Dr - 16th October 2011 OD Fee - Account Overdrawn - £16.00Dr - 16th October 2011 Debit Interest - £0.12Dr - 15th November 2011 OD Fee - Account Overdrawn - £144.00Dr - 15th November 2011 Debit Interest - £10.07Dr - 16th December 2011 OD Fee- Account Overdrawn - £184.00Dr - 16th December 2011 Debit Interest - £24.51Dr - 15th January 2012 OD Fee - Account Overdrawn - £168.00Dr - 15th January 2012 Debit Interest - £31.76Dr - 15th Febuary 2012 Debit Interest - £37.25Dr - 27th February 2012 Debit Interest - £40.20Dr - 27th February 2012 Debit Interest - £2.63Dr I have a letter to complete and send as follows: Dear Sir or Madam Thank you for offering a breakdown of charges relating to my business account 14th November 2013. Over the past six years, you have charged me for (enter what they have charged you for, e.g. exceeding your credit limit). It has come to my attention that this is unlawful at common law, and under statute and recent consumer regulations. In the terms of the contract which you agreed to at the time that I opened my account, it is implied that you will conduct yourselves in a manner which complies with UK law. Unless you can prove that they merely cover your administrative costs, I require full repayment of these charges, which I calculate at £xxxx plus interest of £xxxx. The total is xxxx. I also ask you to remove any default notices on my credit record that are related to these charges. A correction or amendment to the entries is not acceptable. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount, plus interest and costs, plus I shall submit a complaint to the Information Commissioner. Yours faithfully Xxxxx

Hi all, Apologies if this question has already come up, I searched for a while and couldn't find anyone posting the same thing. Over the past few months I have been trying to get old default notices removed from two accounts I have - one with HSBC and one with Natwest. I have been going back and forth by post, asking them to demonstrate they gave me the appropriate warnings of the defaults being added (as per section 78 of the Consumer Credit Act) and I have requested information under the data protection act. HSBC has subsequently come back to me with an interesting defence, which is that these aren't actually 'defaults' on my account, but rather late payment notices, and as a result they had no requirement to warn me in writing that they would be added to my credit file. On closer examination of my file, it turns out that these are indeed late payment notices and not defaults. A couple of questions then: 1: Are late payment notices not subject to the same written warnings that defaults are? 2: Are there any strategies members have used to get late payment notices removed? Thanks for your time, OS

Hello New here, and I have been reading through all the forums and found this link really helpful. "County Court Claim Form - Loan From HSBC - MKDP LLP Claimant***Claim Struck Out" - not able to post links yet. However, just a quick question. The difference between the individuals claim above (on this forum) and the claim I have received, is this for a bank account. I was going to send off the CPR31.14 for further information, however would they have to produce an agreement for a bank account (similar to a loan agreement) or should this be a slightly different wording on the CPR31.14? See below for POC The Claimant claims the sum of £x,xxx.xx being monies due from the Defendant(s) to HSBC Bank Plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on xx/xx/xxxx. The Defendant(s) loan account number was xxxxxx/xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The Defendant(s) has failed to make payments as required by the statutory default Notice served by HSBC Bank Plc. The Complainant claims the sum of £x,xxx.xx and costs. The complainant has complied as far as is necessary with the Pre-Action Practice Direction. Any help would be greatly appreciated. Many thanks in advance,

Hello, Is there someone who could advise me regarding an HSBC defaulted loan passed to MKDP. The loan was defaulted (with a defective by date Default notice) in mid 2009 and passed to MKDP in 2011. I have now received a CC summons from Northampton Court from MKDP. I might add that whilst I have the originals from HSBC I'm having difficulty in locating the 'handover' to MKDP. HSBC also having passed the stuff to their initial Metropolitan services and then solicitors never issued a CC summons. I'm assuming because they realised that it would be futile due to the defective default notice. I'll add that no CRA would delete the default and I realised if I pursued this I'd lose and they understood the same from their prospective. Some help would be more than welcome. Michael

Hi, If there are any suggestions for the following it would be appreciated. About 2 years ago (2012) I was contacted by Capquest saying they had been retained by HSBC - there was a Business bank account joint with my wife that had lay dormant for a few years and over that time had built up £800 of debit - almost all bank charges. We had moved and forgotten about this the existence of this account until contacted by Capquest. We agreed an instalment plan and by last summer had reduced the debt to £400. Then Capquest told us to stop paying them and HSBC would be in contact. 4 months later I got a call from Cabot to demand payment of the balance. I explained that I did not even know they had purchased the debt and I would require proof before discussing further. It turned out that HSBC only provided Cabot the old address when the debt was sold. The paperwork to show the debt was sold arrived just before xmas. Some of the details are not correct as they show me as the sole account holder when in fact it was a joint account with my wife being the lead name. I was going to write correcting their errors this week. However, I just spotted an addition to my credit record that I wanted to get advice on. Previously as my wife was the lead account holder it only appeared on her credit record. It seems that on 1 December, Cabot added this account to my credit record, with me as the sole account holder and listed it as default - backdated to 2011, the monthly balance details are also wrong. I have not received anything saying a default was going to be added either now or in the past etc. or even had a chance to agree payments with Cabot. Will I have any option to have this removed? Thanks

Hi, I have a CCJ which was for overdraft fees with HSBC. The amount was about £3000. They won the case and a £50 per month payment was agreed with the court which I have been paying regularly. The amount outstanding is now down to about £1500. I recently had a letter from DG Solicitors saying that because I had kept upto date with repayments that they thought I could afford to pay more. The letter also suggested that they may offer me a discounted full and final payment and I should call their office to discuss this. My situation has changed and I can probably afford to pay more, but the £50 a month suits me at the moment. I am interested in the full and final offer, but I can't see how I can approach DG solicitors about this without indicating to them that I could afford more than the £50 a month. Is the F7F offer likely to be at a significant discount? Is there a good way of approaching them about it? Thanks, Sue

My wife took out a loan with HSBC around 10 years ago. This loan had a sizeable PPI fee attached to it. My wife and I have been servicing a DMP for a number of years now, during which time the outstanding debt was handed firstly to Metropolitan Collection Services and then subsequently to CL Finance. She wrote to HSBC recently demanding that the unfair PPI be refunded, and after a bit of correspondence they upheld her complaint and made an offer of payment. The problem is that they have sent her a form to sign which essentially compels her to sign this figure over to Metropolitan to offset the outstanding debt. It is our belief that this amount should only be passed to CL Finance as they have owned this debt for a number of years now. I am also led to believe that Metropolitan are simply HSBC in a thinly disguised form. It would appear that, not content to mis-sell the policy in the first instance, that even when caught out they still attempt to trouser the loot. Hard to believe that a Major Bank could be so devious, ain't it? Anyone had anything similar to contend with?

Hello Forum! this is my first post so here goes. My student account was recently changed to a graduate account in august 2013. last month 16 November - 15 December i went over drawn 4 times. 25 nov - £28.83 4 Dec - £64.76 11 Dec - £140.32 12 Dec - £187 each time incurring a charge of £25. I was not aware that these charges would be taking place until i received a letter notifying me that on 6th january they will be taking £100 from my account. after calling HSBC they notified me that since this letter went out i have received a further £150 in charges for exceeding my overdraft. bringing us to a total of £250 over the next two months. any advice on how to contest the charges? i realise i didn't read the changes in terms of my bank account with hsbc upon graduation but feel these fees are far too high for what i went over. in most cases for a day or two. i am currently only employed part-time whilst i set up my own self employed business and fear that these charges will be crippling to me moving forwards in the new year. ------------------------ after speaking to hsbc on the phone further, they have agreed to not charge me any interest on the account untill february when they expect me to be back within my overdraft limit including paying charges. as a goodwill gesture they waived £50 from the second months charges. leaving me £200 out of pocket................... suggestions welcome!!! many thanks

Quick question. If you have already had a bad debt (sorry minds gone blank on the word) on your credit file for 5 years on a debit (the 5 years is now over) and the creditor can't find ur CCA agreement and you moved home. Forgot to inform the creditor and a letter from a different creditor (11of them) turns up on your door step. (10 statements and one letter to say I've failed to inform them). Can they issue a CCJ against my file on the same debt? Also do I have to inform them I now do live at this address. They asked me to contact them without further delay to confirm how I propose to lay off my outstanding balance (like that's going to happen)

I've had a recent experience and would like some advice please. I had a debt with HSBC bank which covered two separate accounts. I received a number of letters from a firm of solicitors in Birmingham with all sorts of threats and finally there were two CCJ's issued against me. I finally had some money and sent them a cheque with a covering letter. The cheque was for 5750 against a total debt of around 9k and sent an accompanying letter which stated very clearly that the offer was as full and final settlement on all accounts held with HSBC and the solicitors. The cheque was cashed After a period of a few months, I then received a letter saying that I still owed money and when was I going to pay? I wrote to them, with a copy of the letter saying full and final settlement, they now are refusing to accept the letter ever existed and, strangely, they have no letter that was sent with the cheque. They are now threatening me again and I keep telling them they accepted the payment as full and final settlement and have suggested my next step is to send all the correspondence to the county court and ask for the ccj to be removed Does anyone have any suggestions as to how I can now get them to accept they have made a mistake and the debt is legally cleared please?

Details of our complaint with HSBC are explained below; HSBS COLLECTIONS DEPT ARE CALLING UP TO 7 TIMES A DAY FOR PAYMENT. SHE IS 8 MONTHS PREGNANT, IN A WHEELCHAIR AND CRUTCHES. CONSTANTLY IN PAIN. WHEN RESTING IS CONSTANTLY BEING DISTURB BY HSBC BABARDMENT OF CALLS. MY SON ILL WITH WORRY EFFECTED HIS CREDIT RATING I AM DESPERATE I DO NOT KNOW WHAT TO DO NEXT TO HELP IT’S A LIVING NIGHTMARE. PLEASE IF THERE IS A SOLICITOR OUT THEIR CAN YOU HELP US. My daughter in law, has had a current account with HSBC for 20yrs. She took out a loan from HSBC 5yrs ago and was repaying the loan at a rate of £260.31 per month; the loan is due to finish September 2016. She has not missed one payment whilst paying back the loan over the last 5yrs. MARCH 2013 I suggested she try and reduce her loan repayments, and at the same time perhaps she could release some more money by re-structuring the original loan and she would be able to perhaps gain a better interest rate. APRIL 2013 She was made redundant from her job. She immediately rang up HSBC in April and asked them for advice through their Finance Department as she knew she would have difficulty paying her loan repayment of £260 31 in May without going over her agreed overdraft limit. She informed them she would be able to continue with the repayments the following month in June as per usual as she had already found new employment (she is a Paramedic) however, there would be two weeks during which she would be without employment and therefore earnings. The result of this was that she would be missing ONE Month DD payment in May with agreement. She specifically asked if this would affect her credit rating and was assured that up to 7 payments could be missed or deferred before any action would be taken. At no point during the conversation was she advised that this would be registered as a default on her credit rating file. In the meantime, to reduce payments she stated to the financial team that she would stop using her credit card but she also stated that she did not wish to cancel the card. HSBC informed her “that was absolutely fine” and the May payment could be paid back at the end of the loan time or earlier if she were able to. HSBC did in fact take the May payment from her account but immediately refunded the payment into her current account. She was then expecting the loan payment to be taken from her account in June as normal, as agreed in the telephone conversation to HSBC in April. Loan payments continued to be paid as normal and as agreed. AUGUST 2013 She an her partner made an evening appointment with the local HSBC customer service manager in Solihull during the week commencing 12th August, now knowing that they were expecting a baby and sensibly planning ahead for the additional financial pressure this would put them under. They asked the customer service representative, if they could re-structure the loan, hoping to be able to get a better interest rate and another loan. He took some details, and started the process of entering information, saying that he was hopeful she could consolidate the loan with her credit card, borrow some more money to help with the baby and still reduce her monthly payments. The application was refused, much to everyone’s surprise, so he investigated why that should be. It transpired that HSBC had without consent or any contact with her cancelled the direct debits paying back her HSBC gold credit card. As a result of this there was a note on the file cancelling the credit card and registering a default. At no time was she informed that the DD payments had NOT been taken from her account. She at no time received any correspondence from HSBC informing her that she was behind with the repayments of the Credit Card. The Customer service manager telephoned Head Office to find out why the Direct Debits had not been taken from her account. He also tried to contact the assessing agency to see if they would change their mind, pointing out that she had been a loyal customer since December 1993, and had never, in all that time, defaulted on any payment. As it was now around 5.30 pm in the evening, head office informed him that it would be looked into immediately the next morning and they would telephone first thing the following day, but for now they could progress no further. She was totally unaware that the JUNE, JULY and now AUGUST Direct Debit had NOT been taken from her current account until this appointment with the local HSBC Branch. The HSBC customer service manager informed her that “had it not been for the Direct Debit mistake there would not have been a problem for her obtaining further credit.” The following morning HSBC head office listened to the tape of the telephone conversation which she had made in April. As agreed, the customer services manager telephoned her to advise her as to the results of the investigation. The Customer Services Manager stated the following: The telephone conversation confirmed that she was not advised about the default. The telephone conversation confirmed that she was not advised that the direct debits would be stopped on her credit card. The policy of the bank was to automatically cancel all direct debits associated with borrowing through the bank (loans, credit cards) but again she had not been advised of this. The member of staff she spoke to had been “spoken to” and would undergo retraining. Payment of £142.00, the amount accrued by the bank cancelling the DD would be taken from her current account on 2nd September. HSBC person apologised for the error but stated that they could not “undo” the effect their error had had on her credit status. Later that week she returned home to find a letter from HSBC dated after her meeting with Customer services manager Solihull branch informing her that her credit card was in arrears and would be cancelled if she didn’t make a payment. This was a direct contradiction of the information that the Solihull Branch had found on her file, which showed that the account had already been closed. This is a further example of the mis-management of Paula’s account. 2nd September 2013 The direct debit was NOT reinstated, and the credit card payment was not taken despite having been promised as resolved by the customer services manager. She had to make a manual payment to rectify this. 5th September 2013 She noticed that the loan repayment had not been taken from her account either, for the first time. She had not asked for this to be cancelled, delayed, deferred or anything else. At this point she was under immense stress, upset, and had a complete lack of faith in HSBC and its staff. 21st September 2013 She and her partner made another appointment with Solihull HSBC branch Manager, to discuss the effect this had had on them, and requesting her help. The stress of the catalogue of errors was by this point causing her to suffer blood pressure problems which are especially dangerous in pregnancy. She explained that the DD had still not been taken from her account for the HSBC Credit Card and in addition HSBC had cancelled the Direct Debit for the LOAN without informing my daughter in law Ms Bond agreed immediately to refund any late payment charges she had incurred as she agreed that the defaults were not her fault. However, the default would still remain on her credit file. Ms Bond informed them that Branch Managers do not have any authority to remove defaults from credit files, and despite previous requests with two employers at HSBC head office to have the default removed not one individual within HSBC company says that they have the authority to do so. Ms Bond stated she wanted to further investigate and although she would be going on holiday she would make sure that daughter in law would be contacted personally by herself on the Wednesday and after that her colleague would deal with it. Ms Bond contacted her on the Thursday and stated that she could confirm everything she had told her – however, a loan default would permanently stay on her file with regard to the agreed deferment because in actual fact their policy is that you cannot defer payments and settle the loan a month later than agreed. Again, a direct contradiction of what Paula was told originally. While they were with her, Ms Bond initiated a new standing order mandate for the personal loan and credit card which would go out around 5nd October 2013. Since she initiated this, payments have been taken correctly. However, daughter in law is still not able to get any credit due to the default placed on her credit file by HSBC, and is unable to restructure her loan to gain a better interest rate. She is now 7months pregnant and has had to start her maternity leave earlier than anticipated because she has developed a serious medical condition associated with the pregnancy which has means she must now be on a wheelchair. It is more necessary than ever that she consolidate her loan and card, and despite the fact that Ms Bond confirmed her credit rating within the bank was “very good”, they will not assist Paula further. Ms Bond assured her that she would receive a letter detailing the results of investigation and offering a full unreserved apology in writing regarding their error. This letter has still not been written, now nearly 3 months after meeting with Ms Bond. My daughter in law and my son are extremely distressed and she is suffering severe anxiety attacks as a result of the financial stress. Both her midwife and obstetric registrar have cautioned against further stress as it has the potential to be detrimental to her unborn child. IT IS AN ABSOLUTE NIGHTMARE FOR US ALL. I am so sorry this explanation is long and drawn out. I wanted you to have the facts that I/we am aware off. I/we would be so grateful if you can help us to get the default removed from her credit file. It would make such a difference to their situation as they are feeling quite desperate with life at the moment. We are all incredulous at the ineptitude of HSBC and the lack of logic and common sense in refusing to consider her for a consolidation loan which would reduce her repayments – a refusal directly caused by HSBC own error!

Hi, I have now received a court claim in respect of a credit card I used to have with HSBC, which was defaulted back in December 2009. They messed up big time as far as I can tell and eventually sold the account off to MKDP LLP. To summarise, the account was in dispute as they were unable to produce a suitable response to my S78 request, so I stopped paying the monthly payments, telling them I would recommence payments after they had satisfied my S78 request. They sent a copy of an application form and some general terms and conditions. However, they failed to send a copy of the back of the application form which was referred to on the front. I sent them dozens of letters requesting this and they just ignored all these requests, stating that they had "done all they were required to do! So, they then defaulted the account on 7th December 2009, however, on 6th January 2010 they took £300 from my current account, this was less than the full arrears at that time, however, on 30th January 2010 they took a further £438 from my account and this covered the missed payments in full. I did write to them objecting to this, however, they ignored my requests for the money to be refunded to me stating that they had a right to do this. So, obviously I stopped using my current account with them immediately. My next statement showed no arrears and no default warnings, etc., it just stated the monthly payment for next month. I also noticed subsequently that on my credit file, they had shown the account as satisfied for the months of February and March. Also, no default date was recorded on the file. I assumed therefore that they had accepted the payments they had taken as rectifying the default, albeit the payments were taken after the time deadline of 14 days. However, they did seem to treat the account as if the default had been rectified. Then as I continued to miss payments, as the account was still in dispute, they issued several letters which threatened to issue a default notice, but they never actually did. I have confirmed this with a Subject Data Access Request, in that it shows the default notice issued in December 2009, but no subsequent default notices were issued. Subsequently they cancelled the agreement and demanded repayment in full. I then pointed out that their termination of the agreement without issuing a default notice was in breach of the CCA and accepted their termination, I indicated that I accepted that I would owe the arrears, but that interest added after the date of the initial dispute would have to be removed first and the remainder would be deducted from compensation for illegally sharing inaccurate data on my credit file. Obviously they never complied with any of this. They eventually, after having many other collection agencies and solicitors involved, sold the account to MKDP. Now MKDP have started a claim against me, even though I have pointed all this out to them. Obviously I am going to defend the case, as I believe that they have terminated the account without a default notice being issued. They of course believe that the one issued in December 2009 was enough, I feel that as they treated the default as rectified, then they should have issued another one, in accordance with their threats in at least three subsequent letters. Also, I notice on my credit file that HSBC record the default date as April 2010 (February and March show as OK, whilst April and May, etc., show 1 and 2 months payments missing respectively up to September which shows a default) and MKDP record it as September 2010 and they have only recorded the account from September 2013 (I believe this was when they purchased the account). So my question is for some opinions on the default notice issued in December 2009, as to whether they can rely on that, or whether they should have issued another one, as I believe they should, before terminating the agreement. Thanks in advance for any suggestions. Colin.

Hi there all, I'm new here so I hope I have posted in the correct forum. I have received a court letter - Northampton County Court. Claimant HSBC bank. It is for the amount £2,938.41. It was assigned to the claimant on the 8/12/2011. With court costs it amounts to £3013.41. I don't know what to do? Issue date was the 2nd of December 2013. I live in Wolverhampton and cannot travel all the way to Northampton, plus me being at work everyday. This chase for this money has been happening since 2007. I had a letter saying I had an overdraft of this amount. I have never had an overdraft of this amount. I asked them for proof, a credit agreement or anything saying I had it and they said there was no credit agreement and that the account was no longer open that it was closed? They also said that you don't need an agreement for an overdraft? I am puzzled! To me it seems a bank can just accuse someone from out of the blue of having money from them and take you to court? I have not heard from them for ages, then this has just now turned up out of the blue. First letter I had was from a Central Debt Rec in 2007. I asked them for proof that I had it as I have no memory of ever having that amount of overdraft in my lifetime. They sent a letter saying it had been passed back and would contact no more. Then I had a letter from a DG Solicitors also in 2007. Asked them the same. They passed it back. Had a letter from HL Legal in 2008. Asked them the same. They passed it back. Had a letter from Capquest Debt Rec. also in 2008. They passed it back. Had a letter from Scotcall also in 2008. They passed it back. Had another letter from a Lewis Debt Recovery also in 2008. They also passed it back. But it was the DG Solicitors that sent me information regarding the agreement. They told me that: "Section 78 of the CC Act 1974 does not apply to current accounts. That the current account is not a regulated agreement because it provides no credit. The overdraft agreement provides credit and sits separately from the current account agreement. Credit agreements normally have to comply with part v of the consumer credit act 1974. Part v covers the form and content of the agreements, signing of agreements and duty to supply copies of unexecuted and executed agreements. However, current account overdrafts are given specific exemption from all the part v formality requirements by section 74 (1) (b) of the act. This exemption applies only when the OFT grant a determination under section 74 (3) and this was given for overdrafts on 21st December 1989. The consequence of this is that there is no executed agreement for a current account overdraft andso section 78 (right to demand a copy of the executed agreement) does not apply. In respect of your request for a copy of the original signed agreement for account number ********** , we confirm that it is not been possible to locate these agreements. However there is more than sufficiant evidence of your entry into an agreement with the bank and the variation to the terms and conditions of that agreement over the years. We would also point out to you that you have been informed that the account is closed. Although there is a debt owed by you there is however no longer a live agreement with the bank and the variation to the terms and conditions of that agreement over the years." That was sent to me dated on letter - 28.08.2007 I have not heard anything since until now. Would be grateful to hear some advice. Thank you, John.

Hi all, I'm really hoping someone on here can assist me with my dilemma, its rather long winded so please bear with me.. I took a loan out with HFC Bank in 2001 with my at the time partner (and father of my child). I was pregnant at the time, so HFC said it would need to be a joint loan as I was due to go on maternity leave soon, so it ended up having his name on it too. He wasn't working at the time I must add, so found this all a bit odd!! The loan was for £4000 over 60 months @ £140 p/m. Anyway, ALL the repayments were made by me, came from my bank and I never missed a single payment right up until when the loan was cleared. Also, I split with my partner in 2003. So, this year I decided to see about reclaiming the PPI back that I paid on it, as when I took the loan out I was told I had to have PPI added or wouldn't be successful. The box on the credit agreement was already ticked for me so I never really would have had much choice! (I had also taken out another loan with HFC in 2004, but this was just by myself and was for a purchase agreement for about £1500 so added that one to my claim as well). So after a few letters going back and forth to HFC, or HSBC which they are now better known as, I was eventually awarded a refund of £3250 which I was more than happy with. All I had to do was sign the paperwork that accepted the refund (and a signature from my ex partner), then send it back to them which I did. But two weeks later I received a letter from them saying my ex partners signature does not match what they have on their records so would need either a copy of passport or drivers licence to verify his signature!! But who's signature would stay the same after over 12 years??! The bug bearer of this is that my ex partner does not hold a passport nor a drivers license so that would be a no go. I phoned HSBC and was told that a photocopy of my ex partners bank card, front and back, and stamped and signed by his bank would be accepted. It should have all been straightforward from now onwards, but it has been anything but. The first time my ex partner eventually went to the bank for me, he only got a bank statement stamped by his bank which needless to say HSBC rejected. He then told me his bank refused to photocopy his bank card for him but they gave him some sort of list of bank cards, and never stamped it which again HSBC rejected. Its difficult to describe the sort of person my ex partner is, he doesn't like going out of his way for anyone regardless of the fact that I am the mother to his child but I have been asking him now since July for him to do this for me but all he's managed to get is what I am not asking for! And now he keeps fobbing me off, is too busy, isn't well, or some other excuse why he cant do it. It seems that he just doesn't want to do it, despite knowing what it is for and insisting he knows the refund is all due to me! I've even offered to give him some money out of it which again he has refused! Also, he lives quite far away so my child only see's him during school holidays, so its not like I see him regularly. The thing is, HSBC are not budging on this and I desperately need this refund as quite frankly, its my money. I'd just like some advice on what other routes I can go down, as now it appears that I may ending up falling out with my ex partner which means I wont get the information I need at all! And that's exactly what HSBC said, without that I wont get my refund which I find incredibly unfair as he had nothing to do with the loan. I hope I've explained all this clearly enough, its all driving me round the twist as this money that is due to me is still tied up with a bank that ultimately screwed me over. It was information on this forum that got me as far as I did with my refund, so I'm really hoping you can help me with this final piece. Thank you in advance

Hi guys, Could do with some help. Rec'd court papers yesterday from MKDP regarding an old HSBC loan account. Have already filed my AOS and intention to defend the claim in full, but need some advice on my defence before I go any further. POC: The Claimant claims the sum of 2xxx.xx being monies due from the Defendant(s) to HSBC Bank plc under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the Claimant on xx/xx/xxxx. The Defendant(s) account number was xxxxxx/xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The defendant(s) has failed to make payment as required by the statutory default notice served by HSBC Bank plc. The Claimant claims the sum of 2xxx.xx and costs. The Claimant has complied, as far as is necessary, with the Pre Action Conduct Practice Direction. Now there's a few things wrong here: 1. The account number provided relates to a bank account I held with HSBC. However, the alleged debt was a personal loan under a different number. This claim should be for a loan not a bank account. 2. I haven't made any payments or acknowledged this debt since sometime in 2006. It is 100% statute barred although defaults don't expire until early next year. 3. There are 2 defaults registered on my credit file for this debt. Both with different account numbers, one registered to MKDP LLP and one to HSBC, registered 5 days apart, neither account number relates to the one stated in the POC. Both defaults are for the same amount which is the amount stated in the POC. I'm quite looking forward to taking this on, but i'm unsure whether I should go down the standard statute barred defence route or if things are different because of the points I have made above. Thanks in advance for any help.

Hi, I have just called HSBC asking for advice on removing a CPA from a payday lender. They informed me to contact the cheque centre first and inform them I wish to cancel the CPA with them and then to call them back when the Visa dispute department is open?I do not want to get in touch with the cheque centre until the loan has defaulted as I fully expect it will make it a lot more difficult. Can anyone advise on how to cancel a CPA with a payday lender with HSBC?Once it is cancelled I hope to come to a repayment agreement with the Cheque Centre then. Thanks

Hi, Please can anyone give me some advice. I had to take on my violent ex boyfriends debt in July 2007 to get away from him and it was for £23,000 in the form of a managed loan by hsbc (very helpful of them!! not!!) The loan was 13.3% and variable. payments are £316 a month I have been paying this loan for over 6 years now and the balance shows as £9.916.89 today. During moving I lost the paperwork for this and the bank have also now admitted they have lost their agreement also. My question is I cant remember how long the loan was over and the bank say it was for 12 years when it was drawn up. Well im confused as if I pay £316 for another 6 years that's well over the balance that's left as only about £60 a month goes out on interest. So my sums show the balance should be cleared in 3 years not 6 years??? help please??

We have an HSBC Advance account and know we were paying a monthly fee for it but now looking at our online statements this monthly charge seems to have completely disappeared. Can I ask if you have one of these accounts how does the monthly fee appear on your statements?

Hi all, I'm new to this forum, just wondered if anyone could give me a little hand please. Yesterday I went into Halifax to go onto my partners mortgage, they turned me down saying there was a default on my account I new nothing about. After coming home and going on experian there was nothing on there to be seen, puzzled!! I phoned experian up and after being on hold for 15mins they finally said they have found a default on my file. HSBC current account--- (basic account no cheque book etc, just a bank card to use at ATMs) I then rang up hsbc to see what this default was for, as iv received no information of this default. So last year in dec 2012, I went to cash my cheques at hsbc bank, they refused these cheques point blank saying they won't cash them because it said roofing on the end of my name, (this baring in mind has never ever been an issue with hsbc before as I had the same account for over 10years) so I said ok can I open a business account with yourselfs, so the lady took me to her office did all the details, to then turn round and tell me no I couldn't have one.. So I had these cheques which I couldn't cash which I had been waiting months for anyway. Didn't no what to do. Went across to natwest and straight away opened me a business bank account, would be up and running in two weeks. Why hsbc couldn't just do that amazes me! Anyway everything was then moved to my new account, bar one d/d that must have been missed. They tried to take it out and d/d must of bounced as company of the d/d gave me call alerting of this payment. This d/d was then removed to new account. Next thing I no I had a company phone me saying I owe hsbc £970, wow shock. I asked for the statements of these and what it's for and still to this day don't no what they are for. Anyway I phoned the company up and paid off the 970. So that was that. So I gather this 970 was charges on a d/d that wasn't paid anyway... They have but a default on my credit file, which I think is totally unfair. It says it's settled but I need it completely off, iv never had anything like this before so I'm pretty upset about the whole matter as now I'm struggling to get on a mortgage iv worked so hard for. Any advice on getting this removed? Thanks for taking time to read. Looking forward to your replays Thank you

Good day ! I have a very old debt with Hsbc and really need some help, please. I had 2 accounts with hsbc - set up start 2003. A business account - which was simply me trading as XXX. Had a healthy Turnover and with an agreed unsecured o/d of £3k. And a personal account, again healthy with an agreed unsecured o/d of £500. The Business Account was closed end 05. Owing nothing. I continued to trade only using my Personal Acc. Between my business and property rental I had enough healthy flow of income for Hsbc to increase my o/d to £25k by start 2005. The o/d was an "On-demand Form"; Unsecured. However, during 2005 I started to have financial problems and ended up owing the whole o/d amount of £25k. By the end of 2005 Hsbc wanted to transfer my o/d into a Managed Loan Agreement. They sent the papers, but I never signed. So then Hsbc handed over the whole debt to a DCA, Metropolitan. I paid them a nominal monthly amount for 3 years. Then Hsbc wrote, start 09, saying they had assigned the total debt to CL Finance. Again I have been paying a nominal monthly amount for almost 5 years. In total I have paid back apx £4k to these DCAs. I missed a couple payments this year. CL have just written demanding immediate payment of the £20k and threatening Court Action. What can I do ? The debt is unsecured. I do not have the ability to clear the outstanding o/d amount. Would be most grateful for advice. Many thanks x Anyone ?? Can I send a template letter to CL Finance ? Like a SAR ? What form do I send into CL to see if the unsecured overdraft is enforceable ? Many thanks for advice

In august Ebay took two unauthorised payments from my HSBC account, The refused to tell me what they were for. The wonderful British police refused to anything so HSBC refunded all the funds, Then they took it back and then refunded it and they are still doing it today mid November. They have written to say the money is mine but the same day they messaged me to say it was still coming out AGAIN. The Ombudsman is worse than useless and does nothing. I would love a resolution preferably in my lifetime and in my favour.

Afternoon all some help needed. I took a loan out in approximately 2000 I was injured at work and could not afford to pay my amount so after a while restons became involved and when I was back in work sent an attachment of earnings and I was paying about 100 a month direct from wages, I was then made redundant and did not hear anymore this was about 4 years ago. Today I recived a letter from HSBC saying they had sold my debt to lowells. How do I go from here I don't know what to do any help would be most helpful.

Having dealt with my partners PPi claims, I remebered in 2005 extending my mortgage and paying £60 in insurance payments which I cancelled about 8 months later as to expensive so I put a claim in recently. I have had a response from them today saying they are still looking into this £60 amount and will write seperatly, however they do not uphold my complaint for my Morgage protection policy which I took out in 2002 for £32 67 per month !!!!!!!!!!!!????????????????? Firstly, I didnt put a claim in for this, I only claimes for the 2005 payments plan which I cancelled pretty soon after as not needed. Secondly, I dont even know about this PPI????? I have the origional documents from 2002 with a quote for my mortgage repayments, this ppi for £32.67 and life insurance for £12. I continue to pay my mortgage today and the life insurance but I dont pay any £32 unless it is bumped in with my mortgage payments and dont know about it. I thought I had declined this and just opted for the life insurance. It is not detailed on any of my annual statements and i have never had any correspondance about this policy whereas I have about the life insurance?? Really confused here and dont know what to do, really want to get on the phone to them. I am fuming if I have been paying £32.67 every month for 11 years and they have not upheld my complaint when I didnt even put a complaint in for this in the first place........didnt know anything about it in order to compalin!!!!!! Any thoughts and advice would be very much appreciated Thank you

HSBC is to abolish what it said was its "most complained about" banking fee – the £25 charge it makes for bouncing a direct debit or cheque. The change, which will also apply to customers of its First Direct subsidiary, comes into force on 24 November and will affect nine million account holders. A £25 fee will still be applied if HSBC agrees to pay a bill, such as a direct debit to the gas or electricity company, that takes the customer beyond their agreed overdraft limit; the fee that is being axed is the £25 for returning an item such as a direct debit or cheque unpaid. More ...

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?