Title says it all really, anyone got a current working e-mail addy for Lynne at HSBC please?

Hi, I'd be grateful if anyone could help me. I went into my bank (HSBC) and a lady in there confirmed that I had PPI on both an old 'flexi' loan and also an old HSBC credit card. I sent off the SAR's and can't see anywhere that I do or I don't. On another worrying note, the bank said as they have 'assumed my request for information is likely to obtaining details of PPU held with HSBC, I can confirm that I have found no record of any PPI being attached to any loan with HSBC' I beleive that they are (surprise surprise) lying! So, shall I just send off the questionnairre complaint anyway? Why should I say it was misold? Would really appreciate any help/advice, cheers

Hi, I am a new user and would appreciate some advice on my situation. As director I jointly signed a guarantee with HSBC in 2002 for an overdraft of £13,000 I resigned as a director of a company in 2003, which was done hastily, and left to the accountant to sort out. (foolish I know) The company was in good credit at the time of resignation. In 2011 I received letter from HSBC quoting " the above company has been placed into liquidation on July 2011, attached is a letter in respect of the Guarantee you have given this company. After explaining my situation to HSBC they advised me that they would not release from the guarantee, but would not pursue me if the existing director and guarantor paid the debt. (which he hasn't) The debt was passed to Metropolitan Collection Services, who ignored all correspondence from me. Now i've received a letter from Wescot demanding over £30,000? I rang them to tell them I didn't owe any money to anyone, they couldn't even find me on there system? Is there anything I can do, I have a statutory declaration from the other director stating that I don't have anything to do with this debt or the company. Regards PC

Hi all, Due to a lost two months ago i have an excess of overdraft (unauthorized) for about £300 on my hsbc account. However, I have received my housing benefit on this account yesterday but i cannot withdraw it : when I call the hsbc support and ask them to transfer the housing benefit to another account they ask me to go to one of their local branch. The problem is that i cannot presently go outside since i have been locked in by landlord & neighbors (but my rent payment is up to date (reason of this overdraft)) and i have to stay in bed due to my sickness. Thanks in advance for your help, MoonTop Ps : I understand that normally I should leave this housing benefit into this bank account since I had used the unauthorized overdraft to pay the rent in advance in goal to avoid an eviction, but despite of this the landlord is taking illegal action (http://www.consumeractiongroup.co.uk/forum/showthread.php?377671-Unlawful-Eviction-today-Landlord-has-changed-the-locks&p=4095121#post4095121) and i need further money to stop this since i have to pay some fees online.

[ATTACH=CONFIG]40335[/ATTACH]I have just checked my file with creitexpert and the past 2 months i have late payment from HSBC showing on my account, i dont owe them any money?? I have gone into the red but paid all charges etc during that period. I have a HSBC credit Card but that is listed seperately as satisfatory? What payments could they be marking as late, i have no overdraft, it is just a normal current account.

Dear All I recently wrote to HSBC reclaiming missold PPI for a loan and credit card I took out between 8-10 years ago, the accounts of which have long since closed. They acknowledged my letter and sent me one of those Ombudsman standard forms to complete but not having the original loan and credit card agreements anymore, I wrote back stating that I was unable to complete the form with any accuracy. I asked for a copy of the agreements from HSBC; they have now written back and told me these cannot be located. Before I had a chance to write back, another letter arrived from HSBC stating that as I had not completed the Ombudsman standard form, they cannot continue with my claim without it as this would have helped them to understand why I thought I had been missold PPI. Is the onus on me to prove that I had been missold PPI or is this a delaying tactic. Any advice as to next steps would be welcomed with open arms. Many thanks. Michael

Hi, Need some help, hopefully it will be better than the replies on MSE I started to go overdrawn with HSBC about 4 years ago, all small amounts which they would charge for, it then got to one month where they wanted to charge more than I could afford, I pleaded with them to not charge me as I would have to move my money as I would have nothing to buy food etc with. They still insisted on charging me. So I moved my wages before they applied the charges and left it around £25 overdrawn from what I remember. Moving on to last week, I received a letter and numerous phone calls (despite asking to be contacted by letter only) from MKRR regarding my HSBC debt which is now £800 with all the charges they have applied. I asked on MSE if I should send a prove it letter. I was advised: 'My first port of call would be a ProveIt letter to the DCA. This should then provide you with an account reference and other information. I would then ignore them completely, and go via the Bank instead. Frankly, asking you to pay what amounts to extortionate phantom charges after such a long period is grounds for a complaint to the OFT on the basis that these charges are unfair. I have the sort code and account number, what do I write to HSBC? Or is there another route I need to take? Regards, DreamEater

Hi there, I just checked my Experian credit file. I have a current account with HSBC with no credit facilities (all auth debit card, no overdraft, no credit card). I never signed a credit agreement and I don't think I agreed in writing to them sharing my personal information with credit agencies. Now back in April I wrote a friend a cheque for £200. When he cashed it my account balance was £191, so the cheque bounced, meaning that my account was always in credit. My friend was fine with and I paid him in cash the next day. HSBC have included this as a default on my credit file. They also charged me a £25 return fee, payable one month after the "default". I'm not looking to get the fee waived but rather to get the default removed from my credit file. I've spoken to them on the phone and they just keep repeating that a bounced cheque is a default and therefore it gets reported. They won't listen to anything I say. How should I tacke this? What legal arguments can I use in writing? Sorry for my bad English - I'm from Spain and not used to fighting with UK banks. Thank you!

Hi In 2007 I had a successful business as a sole trader and was also a director in a limited company which dealt with similar products. My business was on line and the limited company was a shop and online. Mid 2007 the limited company folded due to problems with the rented property it was based in. I continued my business as a sole trader. In 2008 I really started to feel the effect of the recession and orders started to dry up. By the end of 2008 it was clear I was in a position that I could not recover from. I ceased trading and found a full time job. The bank was aware of this. To "Help" me they offered to consolidate the money I owed the bank into one secured loan. Through desperation I accepted this. The bank set this up as a flexible business loan even though they knew I had ceased trading. The loan was shown in my insolvency paperwork, along with all other out goings. I was officially discharged from bankruptcy at the beginning of last year. During my bankruptcy and up to present day I've struggled to find the money to pay my mortgage, bills and the loan. I have recently been informed that the bank may have breach guidelines when they started the loan. I have been told they may have failed in the following areas (and possibly more) :- They were supposed to have an independent valuation of my property to ensure I had the equity to cover the loan. They have a figure which is approximately £50K above the figure the receivers had (the same amount as the loan ). We were never aware of anyone other than the receiver's agents carrying out a valuation. They were supposed to act in the best interest of both parties. By adding a £50K (less than half the money remaining on our mortgage) loan, they doubled the amount we were paying to bank per month. We asked for it to be added to the mortgage but they said that was not possible. The bank "Bullied" me and my wife into taking the loan explaining that the house would be at risk if I didn't take it and with my current credit rating it would not be possible to get finance else where. It may seem strong to describe it as bullying but it wasn't the first time it had happened at that branch. I had complained about my business manager and had the complaint upheld by their manager. When I stated that I was considering approaching the ombudsman over the matter, the senior manager stated that whilst I was entitled to do this, if I did it could damage the relationship between the bank and myself and this would mean that the want would cancel all the credit they were offering me. My wife has submitted two SARs to the bank with no success. After reading this forum I've got a better idea as to how to apply the SAR and so I will be doing this in the next few days. My wife has also asked the bank to investigate how this loan was drawn up. They have said that they will investigate within 24 hours. This was two weeks ago and as of yet there has been no reply. Does anyone have any thoughts on this matter? Do you think the bank have acted inappropriately ? Thank you for taking the time to read this.

background. loan for 4000 ppi loan for 556.45 front loaded extra on monthly repayment for ppi = 15.44. total repayable = 648.41 Had an offer back from them today for ppi redress of 656.01 + 649.45 (8% interset) totallying £1,305.46 took 8weeks bang on seems about right maybe about £50 to low compared to calculator speadsheet. Should i except this offer or should they be offering some sort of compensation on top would it be worth the dlay of sending it to FOS or should i just book a holiday. cheers in advamce for your views/ advice

I've been reading Carey v HSBC with horror. I contacted [edit] solicitors. They tell me that a signed application form containing the prescribed terms and conditions was an executed agreement. This has me really worried because Arrow Global has also told me this and want cash off me pronto. The real problem is that I didn't know anything about the CCA 1974 until after Arrow had a charging order against me. When I found out about 3 years ago I stopped making payments to them. I told them why. Arrow quote Carey v HSBC and has said they want cash from me or they are going to force a sale of my house. The CAB told me to contact [edit] solicitors. I showed them the copy application form from 2000. [edit] said this was legible and as far as they were concerned it was a legally enforceable agreement as the terms and conditions seemed legible and prescribed. I've attached page 2 of the application form from 2000 containing what [edit] has said is the prescribed terms. I cannot read these terms. Wonder if anybody can. If you can read them do you think they form a legally enforceable agreement. This application form is what the original creditor sent me as part of a SAR and a CCA check. At the time I told them I couldn't read the terms and asked for a clear legible copy. I'm still waiting. Recently Arrow told me they would send me a clear legible copy but I'm still waiting. Anybody got any advice as people on this forum tell me that an application form is not an enforceable agreement but this was said before Carey v HSBC.

Issue Date: 08 Nov 2012 Amount claimed [£2000] - I have hidden the actual amount but it is justa tad less than this. Court Fee: £75.00 Solicitors costs: £80.00 Total Amount [£2000] – again actual total amount ishidden Claimant: SIGMA SPV1 LIMITED Address for sending documents and payments (if different): HL LEGAL & COLLECTIONS 1ST FLOOR GROSVENOR HOUSE PROSPECT HILL, REDDITCH WORCESTERSHIRE B97 4DL 01527 586517 [xxxxxx\xxxxxxxx] – my HSBC sort code and account ??? Particulars of claim: Monies due under an overdraft on current account [xxxxxx\xxxxxxxx]betweenHSBC Bank PLC and the defendant the benefit of which was assigned to the claimanton 21/12/2011. The overdraft terminated upon the Defendants failure to complywith the terms of the overdraft agreement. The claimant seeks interest pursuant to section 69 of thecounty courts act 1984 at the rate of 8% per annum from the date issue continuingat the daily rate of 0.41 Any payments or queries should be directed to the claimanton 01527 586594 (phone) or email [email protected] I have been sent the following forms which I have not submittedyet. N1, N9, N9A,N9B On my credit file the HSBC account started June 2001. It is wasmarked as settled (balance £0) as March 2009. There have been no furtherupdates since then. I then have the following entry on my credit file for sigmared. Started Aug 1996 ??? with a default date April 2009, balance[£2000]. This entry is updated every month to date showing a balance of [£2000] I really do not want a CCJ on my credit history. However Ido not have the funds just yet but could if given more time. January 2013. Do I pay this now , fight it, or try and delay it. Overall IMUST avoid a CCJ due to my job. Any advice is really welcome.

Back in October 2004 – I gave HSBC a Legal Mortgage as a directors guarantee of £45K on my home to support loans to my business. My business ceased trading just over a year ago, with 40k of OD / loans. I offered them £400pm but they refused. Now HSBC have filed to take legal charge over the property as we have not come to a repayment agreement, HSBC believe the is equity to be had so are looking for the sum to be repaid with 2 years or sooner. I have an appearance @ Court next week. Interestingly I signed the Legal Mortgage but no DE bencher was ever given. I also believe the HSBC facility letters to the company offering funds were never signed either– so in theory were not an authorised lending from a company perspective. My questions are :- Should this loan be regulated by the consumer credit act ? as I’m a consumer – not sure if this helps me Will the fact that the facility letters are unsigned mean I can claim this is not a secured loan? I am happy to repay any sums owed but obviously want to limit impact on my family

They did it in America did anyone really believe they wouldn't do it here. http://www.telegraph.co.uk/finance/personalfinance/offshorefinance/9665741/HSBC-investigation-Drug-dealers-gun-runners-and-Britains-biggest-bank.html

Hi, I have been with HSBC for twenty odd years. I knew I had credit card PPI (still actually paying it) and a loan over 5-10 years ago. I wrote to HSBC simpy saying 'I believe I have been mis-sold PPI can you look into it please'. I have just recieved a letter back..stating the following: HSBC graduate Loan protection plan: xxxxxx(xxxxx) (Note Ive deleted the numbers!) HSBC Personal loan protection Plans: xxxxxx(xxxxx) & xxxxxxx(xxxxx) HSBC Card holder repayment Protector: xxxxxx(xxxxx) Seems I have paid more PPI than I remembered over the years! They then say '"So that we can fully investagate the issue youve raised we have asked the PPI complaints team to look into the situation. HSBC will contact you with a full response as soon as investagtions are complete" They also have asked me to fill out a questionare 'to help them'. My questions are as follows... 1) Do I need to fill out the questionare? 2) Is it in my best interests to do so? Will I 'win' If I dont fill it in? 3) If I do It seems I have 4 PPI claims, do I need to copy the questionarre and fill this out 4 times or bundle them all on one questionare (which doesnt seem possible). Regardless they say they will get back to me in eight weeks. Any advice would be greatly appreciated!

To cut a long story short, but to give hope to others. My son who is disabled wrote a long timeline of his history with HSBC one night, it was a bit jumbled, but we soon got it in chronological order, and tidied it up so it made some sense. I duly posted it off to Leeds. The complaint was general about the selling of products since he became a customer. He is on benefits, and has never defaulted on a repayment, and the culmination of his story is one of the infamous HSBC "managed loans" Two weeks after getting his missive, HSBC responded with what seems to be a standard, we are investigating your complaint, and please fill out the enclosed fos form so we can proceed with a ppi claim on 3 numbered loans (they provided this information) the loans dated back to 2002, so beyond the 6 year statue barred. we duly filled out the enclosed forms and returned to Bristol. 7 weeks later he got an offer on the original 3 loans and additional fourth loan. Totalling nearly £11,000 Which was a total shock to him, he has accepted and now has the money. we did not have any original paperwork from these loans, only paperwork he has is managed loan and we did not do a SAR. He is nearly halfway through his managed loan and he can clear it early next year, and have a nice chunk left over which will be a big relief for him and me. Meanwhile we had a response from HSBC customer advocate regarding his general complaints about the bank, the general tone is very curt, and leans towards we are the bank, are right and have no case to answer. However, I will be taking this forward as I dislike officious bank staff who's tone leaves a lot to be desired! Just wanted to share the good news above getting PPI refunded with no hassle going back ten year with no paperwork in just over ten weeks.

I've had six accounts with HSBC since first banking with them nearly 20 years ago now. What I would like to know is do I have to send off 6 SAR's thus costing me £60, or can I just send off one with all the account numbers in it? I've read the SAR and it does say to hand over ALL information on me. Well all info would be all accounts...Yes...No? Thanks

Hi Can anyone help with a quick question? I am at work so unable to make a phone call to the bank right now. I recently went overdrawn as my wages went into my bank late on payday. I know that you dont receive bank charges if your account is back in credit that same day, but what i need to know is at what time is the cutoff, thus resulting in said charges?? Many Thanks

Hi, I took out a loan in the early 2000's with HSBC who made it very clear that they would only grant the loan if PPI was taken out. I was clearly mis-sold. 2 months ago I completed the FSA PPI questionnaire and sent it back to HSBC, who in turn have responded and basically said thanks for the questionnaire but their records cannot find evidence of any PPI because due to Data Protection they may have destroyed files that are over 6 years old. Unfortunately, I no longer have any of the paperwork but do have the sort code and account no (HSBC) where they paid the loan to and took repayments from. Is there anything I can do or have they got away with it? I keep trying to call them on the numbers provided but the call always drops and can't speak to anyone.... Any help appreciated. Thanks, James.

Hello I requested my HSBC CCA for a Credit Card I took out in 1993. T hey have not got the agreement and have sent me the terms and conditions that would have been relevent at the time. Is this enforcable in court? I requested my loan agreement for a loan I took out in 2008. They have sent me a payment statement and a copy of the online application. The documents that I signed are missing. Is this enforcable in court? I am happy to send a copy to somebody to look at. Any help would be really appreciated. Thanks

So after 7 weeks and 2 days of sending off the letter and FOS form I received a PPI offer from HSBC against my graduate loans from 1999-2005. They have calculated a PPI Premium Redress against the 4 loans I chased and oddly enough a redress against the 5th loan which didn't have PPI (HSBC Graduate loan with Protection) and I didn't mention. I think because each loan consolidated the last somehow the PPI became part of the 5th and final loan. (?) Each premium redress has taxable interest added at 8% and the grand total of it all comes to £2,828. I don't have any of the details of the loans anymore (I was given the PPI plan no.'s by HSBC over the phone) so I don't know whether this is the correct amount or how much PPI I was paying each month. 1. I know it is hard to say but does this sound ballpark like the correct figure? Each of the loans was less than £4000. (I realise this is probably completely unanswerable!) 2. Finally should I just accept the first offer? I am quite happy with it but....I hate to let banks get away with anything Any advice greatly appreciated, HS

Gurus, Firstly many thanks for all the support and useful info on these forms. My complain against HSBC was upheld and they have now offered me the following amount - PPI Premium - 2182.61 8% interest - 1287.74 I have spent the past two weeks going through the forms and various calculator/spread sheets to evaluate if the amount they are offering is correct. Here are the loan details - Date Loan taken Nov 2002 Loan Amount - 7500 Charge for credit on loan - 1554.25 PPI premium - 1514.91 Charge for credit on PPI - 301.91 @7.9% each. 60 months time frame - Last payment Oct 2007 Monthly PPI payments were - 30.35 Could someone please help me evaluate what should i be offered back. I cant make sense of HSBC calculations, according to me i paid 1514.91+301.91=£1816.81, but they are offering 2182.61? Secondly 8% interest should be charged on monthly payments from first payment till today(until they have paid me). If i use £30.35 per month, i get PPI premium as £3581.31 and 8% interest as £1430.36 Can someone please advise , where i am going wrong? or right? many thanks in advance.

Hi, any help/advice will be greatly appreciated. Four weeks ago Ariste Holdings aka Cash Genie debited four transactions totalling £503 from my account. I won't go over all the details again but they were completely unauthorised and unexpected. So I got some much needed advice from CAG and got my money refunded by my bank the following day, via chargeback. Several days later I got a letter explaining that whilst the bank had refunded my money they were now to investigate the charges and respond within 21 days saying it was possible the charges will be re-applied to my account. So needless to say that on the 21st day from that letter (yesterday), the bank had done just that and debited £503 from my account once again! On calling them and speaking to the fraud investigator who is apparently in charge of my case I was told that they had spoken to cash genie and that simply because they had my name, address and phone number, the charges were legitimate and so authorised. This by the way, is EXACTLY what he said! He told me there was absolutely no way of getting my money back and to take it up with cash genie. I rang cash genie knowing full well they were not going to be of any help whatsoever but did so just to satisfy the bank's request. They said they were allowed to take money whenever they wanted simply because I owed them it. £180 was the total amount owed if that makes any difference. I'm now left in a worse situation than I was originally and would like to know where to go from here. Ultimately, to get my money back for good! I'm prepared to write letters etc. and know this isn't going to be a quick and easy process but I really don't know where to start and even where I stand. Just a link to some template letters would be helpful to get me going. I have searched the internet but found absolutely nothing relating to chargebacks being re-applied to a customer. This is a very brief summary of the whole saga so if any more details are needed or would help then please ask! Thanks,

Hi I wonder can someone give me some advice. In 2006 HSBC gave me a Managed loan to consolidate 2 credit cards and an overdraft and I pay this monthly and have done since 2006. I contacted them regarding the balance on this account as I had been paying this for 6 years and thought it may possibly be nearing completion. To my shock I found out that I had not even paid 50% of the capital off and thought that I should have paid off a lot more than that. I then asked for opening balance figures etc and on my calculations the loan balance should be around £3000 less than the figure they have quoted me. this is using the interest rate that they told me is used to calculate the loan. They have told me that my last payment will be in 6 years time whereas using my calculations it should be 3 years time. I am fairly sure I have calculated the interest correctly and can't see how I would be so far out What should I do ? Thanks Rich

Please can someone help, I've read so much on these forums but can't seem to understand my next steps, Am trying to get HSBC to remove a default notice off my credit file, as my mortgage has double. They chased me for over a year and ignored them, I had some letters from Moorcroft and maybe other DCA over a year ago stating stuff like HSBC had sold the debt or they would take me to court etc, but I just ignored them. but its been quite for the last 14 months, as I ignored everything. Debt was rung up by my husband and then he ran off while I was away and I told HSBC it was a fraud but they refused to accept this, even knowing I was out the country and not able to make the purchases. I even am willing to even start paying them like £50 a month so they can remove the default so my mortgage can lower by alot more then £50. Please kindly provide any help possible. ________________________________________________________________________________ I sent them the following letter: HSBC Bank Card Services, Credit Card Number: xxxxxxxxxxxxxxxxx Dear HSBC, After obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against an account in my name. You have responded to Experian stating that I should contact you directly at the above in regards to this matter. The “default” on my Experian report, the account started date is xx/xx/1999 and the default date is xx/xx/2011 with a default Balance of £12,110. Further to this I do not have a recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 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 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, Postal Order Serial Number_____________________________. 2. You must supply me with a signed true and certified copy of the original default notice, because I do not recollect receiving this. 3. Any deed of assignment if the debt was sold on. I would request that this data is provided to myself within the next 14 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. Yours Sincerely, _____________________________ After 16 days I send a reminder to them as they did not reply the reminder was as follows: HSBC Bank Card Services, Credit Card Number: xxxxxxxxxxxxxxx Dear HSBC, Further to my letter I wrote and sent to you on xx September 2012 via recorded delivery, I haven’t had any response, please find copy of the letter and recorded delivery slip attached. Noting the above could you please kindly respond to my original letter dated xx September 2012, a copy of which is attached and accordingly answer in full the 3 questions contained in the original letter, with which I also sent a postal order. I believe it is your duty and you are under obligation to supply me with the requested information within a given time. Again I request that you provide me with all the requested data in my original letter, within the next 14 days, once again I state if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. Yours Sincerely, ___________________________________ Today on the 3rd of Ocrober they responded with this: Dear Madam, Please find enclosed copy documents as requested for your perusal. Section 78 (1) of the consumer credit act 1974 requires us to provide "...a copy of the executed agreement (if any)...". Regulation 3 (2) of the consumer credit (cancellation notices and copies of documents) Regulations 1983 allows that certain items may be omitted form such copies, including the signature box and signature. They copy of the executed agreement we must supply is a copy but need not be a photocopy of the signed agreement. Regulation 7 of those regulations also requires us to provide a copy of the executed agreement, as varied, where there is a power to vary the terms of agreement, which there is with your client's card agreement and that power has been exercised to vary the agreement, which again is the case with your client's card agreement. We therefore enclose an up to date copy of the terms and conditions applicable to your clients account, a copy of the latest variation notice issued in respect of your client's account and a reconstituted copy of the agreement form. The variation notice shows that the terms have been varied and therefore in accordance with this legislation the up to date terms and conditions are the appropriate information to produce. With regard to the Signed Application form that you made request for, we have conducted a reasonable search, and at the time of the request, the document could not be located. It was in our control but is no longer in our possession. Therefore we have enclosed a reconstituted copy along with two certified statements duly stamped and signed for your records validating any debt outstanding. Enclosures: Appendix 1 Current Terms and conditions Appendix 2 Notice of Variation to Terms Appendix 3 Historic Terms and Conditions Appendix 4 Copy of Agreement form Appendix 5 copy of Statements Connie Smith. ___________________________________________________________ This what they sent Appendix 1 Current Terms and conditions - these are just standard printed out t and c's Appendix 2 Notice of Variation to Terms -these are also just standard print outs Appendix 3 Historic Terms and Conditions -these are again print outs, please note they all are HSBC - when my account opened it was Midland Appendix 4 Copy of Agreement form -this looks like a newly printed sheet with just my name and old address hand written on it view it here: i1281.photobucket.com/albums/a502/fryman1/HSBC_zpsb16295fe.jpg Appendix 5 copy of Statements -freshly printed out credit card statements for August and September 2012 with a HSBC stamp on them with a sign over it Please advise what is next letter I should send, or how to get out this default.