Hello, I'm writing about a Credit Card account, opened in the mid 90s and defaulted in 2011. The default shows up twice on Noodle and Equifax but not at all on Experian. One entry has HSBC as the creditor, the other entry has MKDP Llp as the creditor. The entries show the same amount but have different account numbers (the card's account number changed at some point). They also have different default dates. The first thing I would like to find out is how to get one of these entries removed, it looks as if there are 2 different accounts which isn't fair. Secondly, Robinson Way have recently sent a letter to an address I'm linked to asking me to setup a payment plan (for the amount owed on the Credit Card), no minimum payment required. I've never heard from them before and they've not sent anything to my current address (I've lived here for over a decade, it's the address associated with the account and I'm on the electoral roll). I want to arrange for any more letters to be sent back to them, marked with 'Not known at this address' and wait for them to contact me at my address before deciding what to do next - does this sound sensible? Thanks for any help.

Evening all, I was hoping for some opinions on a recent complaint to HSBC over mistakes they have made with reporting incorrect information to the CRA's. I took out this loan (£60,000) in 2008 to pursue my dream job as a commercial pilot and despite passing all the training, the economic downturn in 2009-2010 led to my redundancy in 2013. The loan was set up based on my expected salary with the company I was sponsored by and the monthly repayments were £939/mnth. Since the redundancy it has been difficult to keep up with payments and i've tried my best to communicate with the bank and request help but to no avail. In August 2014 the balance of the loan was just over £30,000 and after trying to grow our business for some time, payments were getting tight. My resolution was to finish the refurbishment of a property we had bought and refinance it to release enough equity to clear the loan. The figures made sense and there was no reason we wouldn't be able to do it. I contacted HSBC and explained the situation and that I need some assistance to get through the few months it would take to refinance the property. After several heated conversations they finally agreed to put in place a reduced payment plan but I was advised that I would have to let the loan fall into arrears by 2 payments in order to implement it. The agreement was for 12 months and providing I made the reduced payment, my credit file would be frozen at 2 missed payments throughout. I discussed this with our mortgage broker and he in turn approached the lender to explain my circumstances. They advised that because there was a history to the situation and I was in this position due to the economic downturn and not through irresponsible spending, they would consider an application with the 2 missed payments on my file and didn't see that this would prevent a mortgage being agreed especially since the property was very comfortably covering the expected mortgage payments. We applied in December 2014 and early into January 2015 I was advised that it had been declined at the initial stag due to credit. I queried this with the broker but the underwriting department would not clarify why the sudden U-turn. Now under time pressures to refinance the property (we had a private investor to pay back too) we were told that our only hope was for me to gift my equity to my father and for him and my partner to apply for the mortgage whilst I resolved whatever was happening with my credit file. We did this but due to my fathers limited experience as a landlord, we were only offered a sub-prime product which we had no option but to take. This allowed us to repay the investor but didn't leave anything to pay off my loan. I downloaded a copy of my credit file to make sure everything was as agreed and to my surprise, I found that HSBC had not honoured their end of the agreement. My credit it file had continued to accrue arrears and was now showing as borderline default. No wonder the mortgage company wouldn't even look at my application, it made me look an idiot after explaining that it wouldn't get any worse than 2 missed payments. I complained to the bank and explained that not only was I now unable to pay off the loan but it had cost me around £15,000. This was made up from a capital gains bill from transferring equity to my father, increased fees and interest on the sub-prime mortgage and astronomical early redemption penalties to get out of the mortgage down the line. After many weeks they eventually agreed they were at fault but then tried to wriggle out of it by saying that I didn't give them adequate time to resolve the issue before going ahead with the equity transfer and sub-prime mortgage. They offered £3,000 in compensation to be taken from the arrears that had accrued. I politely declined and explained that I would refer to the Ombudsman, which I did. Whilst this was happening, they again reported incorrect information to the CRA's and this was picked up when we were declined a bank account for our Ltd company. I immediately notified HSBC and they apologised, promising to fix it. This has meant we cannot begin trading as a ltd company and we are therefore at increased personal risk until this is resolved. Added to all of this, the payment plan which was agreed for a period of 12 months was removed early and with no warning or communication. I received a call on 18th September advising that it the bank had decided to remove it at the end of August (conveniently as I had taken my complaint to the Ombudsman). I was advised that as of that date I was 2.7 payments in arrears. I never received any letters or warning that this was going to happen. I frantically tried to raise enough to make a full payment before it jumped to 3.7 missed on the 24th Sep. I couldn't manage a full payment so managed to keep it at 2.9 by paying 0.8 of a payment and in October as things became tighter still, I only managed 0.2 of a payment leaving me at 3.7.... or so I thought. I then received a default notice stating that I was over 4.5 payments in arrears. I immediately contacted the bank who explained that it had been sent in error and they would look into the arrears and let me know. They then reported that 4.5 was correct which means that the payment plan had to have been removed earlier than they told me it was. To keep this as short as I can, I today received a letter from the Ombudsman explaining that they have found the bank at fault on several things over the period of the loan. They have suggested a further £200 to compensate me for the inconvenience, financial loss and stress over the past 12 months!! I find this a joke considering that I am now over £15,000 out of pocket and it's almost certainly down to the string of mistakes made by HSBC. I have thought about small claims court but i'm aware of the risk if I don't win. Is there any other avenue I could go down? Thanks in advance if anyone reads this far, your advice or thoughts are much appreciated. Best wishes Richard

I checked my credit report and there is a default to HSBC from 2010 for £167. I tried to call to pay it off but couldn't pass security went to the branch and they told me it was a closed account and now being dealt with by Metropolitan Collections Services All of the numbers I can find for them go through to HSBC giving me the same problem of passing security (i dont remember telephone banking passcode). I've had no letters or anything, just trying to clear my credit report and this default is proving hard to get to the bottom of. What can I do to chase it?

Hi Everyone My wife and I hit difficult times in 2008 like most people and we eventually faced the Grimm truth that we could not afford our debts in 2009. Two of these debts were with HSBC, credit cards, that we agreed a zero percent interest rate and a fixed monthly fee to pay them off. Our combined debt equated to nearly £14k. In 2010 we signed with Payment services Bureau so that we could avoid paying interest. We signed standing order mandates to 2018 for my wife and 2020 for me. Over the last few years we have never missed a payment and the standing orders continue to go out of our bank account every month without fail. I have never received any official letters from HSBC stating any re-assignment and the fact that the standing orders keep going out have made me suspicious of recent claims by Cabot that they can hassle me for the balance. Tonight I have returned home to see two letters from Reston Solicitors stating that they have been instructed to seek immediate payment of the outstanding monies. They have given me two weeks from the date of the letter to settle - is this legal?? First of all I've never signed anything with them. Second, I have never had a re-assignment letter on official HSBC paper. Third, I received the letter today (November 16th), how can they demand a response in just over a week? Fourth, the balance they have demanded between us is just under £6,500 so why the high pressure when we've already paid off over half the outstanding amount from 5 years ago? I am working away for a few days and this really limits my capacity to research these parasites. Could somebody help me please? I have attached the three letters - HSBC to confirm deal and freezing of interest Payment Bureau to agree repayment schedule and Reston threatening us We have almost two sets of identical documents, the names, dates and values are the only differences. Can somebody help me with the next steps I must take please?

Evening all I have a debt that I have (yes very stupidly) not dealt with and Im struggling to understand what this now means for me and I would appreciate any help just telling me what if anything I should be doing before I have to attend court on the 22/11 The debt in question is with HSBC where claim forms were originally issued apparently in Dec 2013 - Last week I received 3 letters that came together through the post - a copy of an N244 that has been completed by HSBC litigation team , A general directions order and a notice of transfer of proceedings.. . on the N244 is states the order asked to be bein made is 1. The claim be restored and 2. Forthwith Judgement for the claim to be entered In the evidence box this is what is written: "The claim form was issued to the defendant on the 05/12/2013/. The claim form was returned to the claimant but only the 1st page of the form was included. the defendant did not fill out any information and no offer was made. The full claim forms was not returned. The claimant rec'd a letter on the 20/01/2014 from the defendant making an offer of £200. The claimant requested judment to be entered by installments of £200 p/m. The defendant failed to pay for 3 months the claimant was under the impression that judgement had been entered. The claimant called the courts on the 04/02/2015 who confirmed that judgement had been rejected. Claimant then considered entering into a consent order for £200 per month which the defendant failed to respond to. We now seek that claim be restored and forthwith judgement entered for the claimant as er the attached N225. The general direction order says that it is ordered that as nothing has been done for nearly 2 years, the application to lift the stay must be heard on notice claim to be transferred to local county court hearing centre Notice of transfer of proceedings says as a result of the order made claim transferred to my local county court. Today I have received a Notice of hearing of application to attend on 27/11 another identical copy of the N244 and also a copy of the N225 that HSBC filed October 2015. Debt was 5028 court fees £100 legal rep costs £190 + £30 since issue I have paid £1025.00 amont now showing payable as £4323.10 - the £200 installments were stopped when my circs and income dropped - i have a mountain of other debts and was bein hassled left right and centre and started payin bits and pieces off as my circs changed but this had gone quiet and I didnt pay anything further - In April 2015 I was re made aware of this debt when I did infact receive the Consent order paperwork which I completed and agreed to and sent back heard nothing and subsequently I didnt chase it up and forgot all about it - I stupidly didnt send it recorded delivery (which I usually do - or if I did I have no references etc to prove it or check it) and would seem they are saying they never received this - I always take a copy for my own records when complteing anything like this and it will be filed away somewhere which I will try and find , but not sure thats going to be any use to me anyway etc... I have never had to go to court - I have absolutely no idea what to expect or what to do now ... any help would be hugely appreciated - if you got this far thank you so much for taking the time to read it xx

I wrote to HSBC on 22nd July 2015 saying that I had a packaged bank account and highlighted the areas that I believed it to be mis-sold. I received a letter back 1st August 2015 which confirmed the following. It started as a HSBC Plus Account October 2007 in February 2010 this was rebranded as HSBC Advance, in September 2010 I downgraded the account so no further fees were charged after this time. It also added that the bank has rejected my complaint on the basis that more than six years have elapsed from the date I converted to an HSBC Plus account which is the event you are complaining about and more than three years have elapsed since you knew or could reasonably have known that you had potential cause for complaint. I must admit that I just accepted that was the outcome and put it to one side. I came back on here to see how things had progressed with packaged bank accounts to find that HSBC had been economical with the truth, what a surprise. I have drafted the following reply to the letter and would appreciate someone having a look at it and advise. "I refer to your letter dated 1st August 2015, it has actually took this long to reply as I believed and trusted what was actually said in the letter, in that you say there are time limits for a customer to complain. But, along with many millions of other people we have learned that this trust is not always the case, on this basis I have taken to use the information available on the internet and other media sources. As you are fully aware the FOS did not even publish they were reclaimable until January 2014, what was I supposed to do, look into the future from 2010. The time starts from when I became aware that I had grounds for a mis-sell which started from my letter dated 22nd July 2015, I did not 'become aware' of the reclaiming of these fees until then. It was only at this time, due to media coverage and research of the issue around these accounts that I realised that this had been a clear case of mis-selling that was when I raised the complaint at the time that I did. Your active encouragement not to go to the Ombudsmen " The Ombudsman might not be able to consider you complaint if what you're complaining about happened more than six years ago, and you're complaining more than three years after you realised ( or should have realised) that there was a problem." I find this quite disconcerting that a bank like HSBC has taken a policy to deliberately mislead customers and further dismiss the complaint out of hand. I certainly do not recognise that your letter is the Final Response on the matter. I am sure we can come to a mutual resolution and closure of this issue." Apologies for borrowing a couple of lines from individuals on this forum but I am not the best of letter writers. Thanks in advance.

Has anyone claimed or in the process of claiming for miss selling between August 2009 and October 2012 of investments to customers

Apologies if I've not posted this in the right place. I've been clawing my way out of a financial hole for the past few years and am now in a position where I have one remaining defaulted account on my credit file. The debt relates to a £1000 overdraft with HSBC, which defaulted in Jan 2014 after I ceased paying in 2013 due to financial difficulties. The debt is now under the control of 1st Credit, who have sent me a number of letters, including offers of reduced settlement. I am keen to get this default removed from my credit file if possible and wonder what you think of my chances for negotiating a f&f settlement of 10%, or whether there is any other action I should take before doing this? I have trawled the site and compiled the following letter based on previous posts; if someone could look over it and comment/advise as you see fit then I would be extremely grateful. 1st Credit Ltd Without prejudice Dear Sir/Madam Re: Account Reference No: I write with reference to the debt that you claim to be owed on the above account, which is disputed. I am unable to offer to pay the debt in full; however, I can offer the sum of £100.00 in full and final settlement of this account without any admission of liability. This offer is made on the following conditions: 1. Neither you, nor any associate company will take any further action to enforce or pursue the alleged debt and that I will be released from any liability. 2. Any remaining balance is not to be sold or assigned to any 3rd party for collection at any time in the future. 3. You will mark all entries on all credit reference agency files relating to the above accounts as "settled" in full. Clearly I do not mean partially settled. 4. You will remove all negative markers and default records within the past payment history on all credit reference agency files. This offer remains open for 7 working days from the date of this letter, your written agreement to the amount and conditions must reach me within 7 working days. Payment can be made within 7 days of receiving your written acceptance. Yours faithfully

Hi All Not sure if this is the right place I am finding it all a bit confusing. I have filled a PPI complaint with HSBC and they have responded saying they need me to goto a branch to verify my signature. I dont trust banks at all so does this sound legit? thanks Dave

Hello dear friends after another charges added by HSBC to my account ive decided to look around what i can do to reclaim those charges. Lucky enought had acces to online statements for last 72 months (HSBC) so i done my home work. Total charges added to my bank account over last few years : 2009 - 25 2010 - 850 2011 - 995 2012 - 726 2013 - 495 2014 - 434 2015 - 188 so total 3713 pounds in bank charges. I went thrue few topics regarding bank charges and reclaiming them and i decided to go ahead. I had few times conversation with bank asking them if we can do something to stop those charges without any help from bank. What ive done so far : 1. Prepared letter using Your template requesting bank charges to be paid back to my account under hardship 2. prepared schedule of all bank charges from jan 2010 till now both letters will be send out to HSBC. My first question should i adress those letters to branch, head office or any other department of HSBC? will keep you inform about outcome. Thank You

Hi All, Looking for some advice please (I have a number of debts I am looking to gain control of), I will start one at a time and create a separate thread for each. I had an HSBC Advance current account from 2009 - 2014, during this time on several occasions, HSBC allowed me to go into an unauthorised overdraft and charged significantly (many times charging £100 - £150 for this "priveledge") - admittedly my poor account management was to blame for the situation, but ultimately meant every month my account would go overdrawn by up to £150, most times made up solely from the charges from the previous months unauthorised borrowing charges. On one annual statement, I had paid over £1200 in bank charges, majority of these for unauthorised borrowing. Now there is some background, in December 2013, the same thing happened, but this time I decided I would not pay the charges (not very smart) and I would open another bank account with a different bank. HSBC then added more and more charges to this till the point the account reached £727 made mostly of charges. Like a fool, I simply ignored HSBC and buried my head in the sand. The account was defaulted in June 2014, I then started making payments to HSBC and the outstanding balance dropped to £646 until 3 months ago, when I ceased making payment and more recently Wescot are writing and calling chasing this debt. I have looked through threads on this site, but most deal with loans or credit cards, but I know a bank account works differently. Is there any way to challenge the charges that HSBC placed on the account, or should I simply resign myself to slowly paying off this debt? Thanks in advance

I had an online credit card with HFC (opened in 2005) which I defaulted on in 2009. It was then 'passed' to Restons. I don't know if Restons are really a solicitors as they claim or a DCA. from 2009 I negotiated payment of £1 to each of my creditors, including Restons. In 2009 I CCA'd Restons and in 2010 Restons issued proceedings against me saying the £1 wasnt sufficient. I defended the proceedings and the proceedings were discontinued before it got to court with no Order as to costs. Am still paying the £1 although I havent heard from Restons since the court case was discontinued. I thought creditors have an obligation to provide periodic statements so wondered if Restons still owned my debt. Therefore a few weeks ago I CCA's them again. They returned my £1 postal order and said they were confused as to why I was making such a request. They did provide me with the agreement though not the terms and conditions or up to date statement. Maybe once you have CCA'd a creditor they count that as sufficient and no point chasing any further even though they havent complied with my current CCA request.... I suppose it's wise now just to keep going with the £1 payments as they were really tough to defeat once they had their claws in and I dont want to antagonise them.

Hi all, Been mulling this over for about a year now as I was fobbed off by HSBC for my PPI claim. Here are the basics: Had a loan with HSBC in 1997 as I was 19 I was advised I HAD to have PPI for the loan, as I was buying a car and paying off a credit card. Loan was for £3000 Xmas 97 extended the loan to £3500 and again (I remember sitting at the desk in the Crawley branch) and being told, as I was extending the loan that PPI again PPI HAD to be added as they are 'helping me out'. '98 was going through debt problems and my father took me to HSBC branch again and they took my debit card off me and restructured the loan again with PPI till I paid it off in 2000. Now I followed all protocol for the information of the accounts and statements, but none was forthcoming. HSBC eventually (after 9 months) sent me the loan account numbers but said there was no PPI on any of them. I spoke to two different HSBC people in two different parts of the UK. One guy stated that he has all info in front of him, but can not 'verify' I had PPI and the lady I spoke to just said that she cannot confirm that I had PPI as it was too long ago and all details are destroyed after six years. I stated to both of them that if all details are destroyed after six years and no data stored on Microfiche, how can you send me details of all loan accounts and statements? Both staff said that if I can provide the PPI certificate, I have a claim. Now this was last year, The Ombudsman agreed with HSBC that there is 'no proof' that I had PPI, but I know I had PPI. Where do I stand. Barclays paid out on my PPI for years 98-2000 and I had no info for that. What I want to do is file at County Court for say £3000 for PPI Mis-selling and see how far I get until they settle or I go to Court. I have nothing to lose apart from my fee's for the County Court, and maybe HSBC might find my information? Look forward to any replies.

I have been an HSBC customer in three countries and I've never seen anything like this. Everything we do with HSBC UK seems to have a negative affect on our credit rating. I've never defaulted on a payment, and was planning to buy our place in a few months time. It's way beyond illogical, it's just plain ridiculous. I opened an HSBC Advance package a few months ago, as I was told that getting a credit card would help my credit rating, and help me secure a mortgage. I was offered a credit card limit for a few thousand pounds, but as I was not planning on using this that much, I opted to limit this to £1k. Recently, after checking my credit report, I noted that this "lower" limit is hindering my credit rating, so I tried to increase this, but now HSBC won't do it, as it's not yet passed 6 months since they did the credit check. I was never told that this lower limit would affect my credit score initially, so now I have to wait a few months to raise this. P.S. I was only told this after calling 3 times, and trying to do this twice on Internet Banking. my wife arrived in the UK (from being a loyal HSBC customer in Malta) in January. Upon arriving she opened a basic bank account with HSBC UK. Having waited the full 6 months to get upgraded to a standard bank account, she was told that she's not good enough to merit this. This is a professional earning over £30k per year (for the past 5 months), having a good credit history elsewhere within HSBC. This might be because as we got married a couple of months ago, she changed her surname earlier in the day (with the same person), thereby erasing any history HSBC had of her, and told her to wait for another... (wait for it) ...6 months. These people are beyond simply ridiculous. In the meantime, we were discussing how much of a mortgage we would be able to take. So obviously they told her that they wouldn't give her anything, even though we have over a 15% deposit, thus limiting severely our options. Furthermore, it seems that every HSBC person we speak to gives us advice which actually hinders our credit score and chance of getting a mortgage. Apart from that, we have been waiting for over a month for this bloody appointment, as they're always too busy... Please note that every time we speak with them, they do credit checks on us, affecting negatively our credit score, and any way I try to improve this score, I'm blocked off by my bank. This is a bank, I worked with in the UK (even though I wasn't here all the time) for almost 8 years, and who to this day treat me like I never existed and have to introduce myself like a new client every time I speak with them. They don't recognize my holdings elsewhere (including another HSBC Home Loan - yep, another mortgage, that's right...). Furthermore, my wife is in a position that she can't build a credit history with them, even though she already has one which they clearly trust elsewhere... My impression is clearly that these people won't help us buy a place, but actually hinder us in the process , by lowering our rating through useless checks which they do not proceed upon, even though we'd be very good clients (we're a couple of professionals, with over £60k of proven annual income). For that reason, we have no option but to look elsewhere where to bank. Clearly, we're not good enough as we're neither Mexican drug lords nor tax dodgers for HSBC Switzerland!

Hi All, Ive been able to get Lowell off my back previously through this website I am hoping I can get some quality advice this time around as well. Im being chased by Lowell for an old debt with HSBC. I had an account with HSBC and back in my stupid student days ended up withdrawing some cash over my over draft limit. This resulted with a balance of £742 with over half of these just being bank charges . The last time I used my HSBC account was January 2009 , however, Lowell has got an account Default date of September 2009. I believe that this gives them some extra time to play with the statutory limit of expiration. Recently, they offered me a small discount but I also contacted them by email with an offer to settle the dispute that they turned down and are now demanding the full amount. I have not paid any part of this debt since it became defaulted. I don't want this issue to escalate any further and especially for Brian Cater to get involved. What do you guys think are my best options? Should I try negotiating for a full and final settlement or just agree to a payback agreement of the full amount? Secondly, should I challenge that this account is in fact statute barred? But I don't know at what point the clock starts ticking for this account. Would it begin from the last time that I used this account or are Lowell correct with the default date of sept'09? Thanks in advance for your help. I really want to get this issue resolved as this is the only issue impacting my credit report and any future mortgage applications I may need to make. Details of the last letter received from Lowell Pre-Legal Assessment Dear XXXXXX, Your account is escalating We have written to you a number of times but you still haven't repaid your debt or entered into a repayment plan. Please contact us as soon as you can as we are still committed to helping you repay this debt. As you have not paid we have obtained information about you and your current financial circumstances from a credit reference agency to help determine whether we should take legal action against you. From this information we believe you are working, have other credit products and that using the County Court is a realistic option for us to recover the money you owe. If any of the above information is not correct, or you have a reason as to why you think we shouldn't proceed with legal action you need to call us straight away and let us know why. Our objective is to work with you to repay this debt. We genuinely want to avoid taking legal action but we need you to contact us. We are happy to agree with you any amount you can afford to pay by instalments. Yours Sincerely,

I am trying to reclaim a large amount of PPI from HSBC after I noticed just how much they have taken off me over the years in insurance on my credit card. I was originally told that I had to have it in the first year because I was a student and that it was mandatory. I did not realise that it was still going today. I have already printed and sent the letter asking for all the information they have on me but where do I go from here? I have never done this, my husband was lucky after just asking his bank about it his and they simply repaid him an amount. Any help or advice would be much appreciated thanks I must note I am dyslexic so if there is any forms or website that are of use could you please post them on your feeds as trawling through websites to find things causes quite a headache. thank you

Hi all have been attempting to help my daughter sort out her debt problems . Recent success Bryan carter discontinued court claim due to information from this site . We now however have MKDP claiming for old hsbc debt . details below . Current account overdraft shows on CRA as defaulted November 2007 as does flexiloan . Name of the Claimant MKDP LLP Date of issue 08 June 2015 What is the claim for The claimant claims sum of xxxx 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 08/12/011. The defendant(s) s account number was xxxxxxxxx. 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 demand for payment sent by HSBC bank plc. The claimant claims the sum of xxxxxxx and costs . The claimant has complied , as far as is necessary , with the pre-action connduct practice direction. What is the value of the claim? 1,761.70 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft /combined with loan. Account number claim under is current account no mention of loan account number . When did you enter into the original agreement before or after 2007? bank account 2004 / loan 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser MKDP LLP Were you aware the account had been assigned – did you receive a Notice of Assignment? unsure Did you receive a Default Notice from the original creditor? unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Debts were building up not enough money to go round so prioritised to rent and neccesities . What was the date of your last payment? poss 2013 to MKDP under current account number no mention of loan Was there a dispute with the original creditor that remains unresolved? unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes they offered consolidating loan at payments i could not afford , so i refused . Actions so far are as follows AOS done 13/06/15 , CPR 31.14 to MKDP done 15/06/15 , SAR to HSBC done 15/06/15 . MKDP responded to CPR with copy of terms an conditions effective 1st november 2007 , also copy (looks like computer printout as opposed to original ) of a default notice not signed or dated however the account number on this notice is for the flexiloan account and not the bank current account number of which the claim in the POC is for . It would seem that the two debts have been combined and i would say that MKDP are unaware of this , as they make no mention to the flexiloan in their claim . To sum up looking for some advice as to how to proceed as the bulk of the debt is the flexiloan , and the overdraft is mainly charges . I do not want to accidentlly alert MKDP of their error with the default notice and the fact that the loan has been bundled in with a current account as they make no mention of the loan in their claim . Where do MKDP stand if they continue to court ,and what would be the best way forward IE ask MKDP for cca and informing them about the two accounts being combined (as im pretty sure that the flexiloan was statute barred as of 2013 , however as said earlier 10 pound payment was made to MKDP under this debt after constant phonecalls and hounding but with only the current account details . Would appreciate some advice if anyone is able to offer some as defence is due Friday 10th if i worked it out correctly .

Hi, I have read through the forums and online and I am unsure what is correct regarding an Overdraft. The most recent letter from Low Life's is asking me to contact them before 11/07/2015 or they will take legal action blah blah, I think they actually mean it this time. I called up HSBC and they said the last payment into the account was September 2009 so it's not quite SB and that is my question what is the SB date on an over draft? Cheers, Flappy

Hello So I recently did a SARS request to HSBC this is after they sent out letters to me saying I may have been mis-sold etc. It was clear I had been mis-sold so I wrote back giving the reasons why with a spreadsheet showing interest due etc. I have now had a letter back confirming receipt and would I please fill in their Financial Ombudsman Service PPI Questionnaire. The question is do I really need to do this? I explained in my letter why I felt I was mis-sold so surely this should be enough for them to take on board my complaint and settle. Would you think? Any advice greatly received. Thanks

Hiya I was wondering if anyone can advise me on what I can do about HSBC and irresponsible lending. I’m going to keep it as short as possible and am happy to give more information but no point hurting your eyes any more reading my thread than needed In 2007 I got a personal bank loan couple of years later the media started talking about banks doing wrong and there being a court case about if / what they done wrong. I started researching about my bank loan and felt it was mis sold. Applied to bank then escalated to FOS for PPI refund and this, in the end, was given back 'as a gesture of good will'. Then tried to apply again to FOS about irresponsible lending. Esp. where the manager had to over ride the system in order for me to get the bank loan. Asked for correspondence/notes/information (internal and external) from FOS and Bank when all was happening. On the FOS own internal notes it states that HSBC haven’t got a contact for my loan Alarm bells rung and I stated that without a contact (esp. pre April 2007) there was no loan! On HSBC own internal paperwork it has there own employee saying it would have gone over SLA timing. Another note said that there had been a restriction on my account up until the day we'd asked for the contact. FOS did not agree the bank loan was mis sold. In fact they said I had lied in order to get the loan. Truth was it was there OWN employee who suggested I add my boyfriends (who was with me when applying) income in the section of ‘OTHER GUARANTEED INCOME’ and again with there own paperwork the asterix by it states that any information put in that box would need to be verified. Within my paperwork my credit rating was classed as an A2. When we asked HSBC what this meant they stated - (Quote) The system grades lending requests - in the cases of A1 this would mean an outright acceptance with no further decision making necessary . For example, someone with an excellent credit rating requesting to lend a small amount of money. Likewise, a R1 would be an outright reject. The A2 in this case means that the system accepts on the condition that the branch also accepts on the condition that the branch also accepts - it not a 100% computer generated decision but dependent on review and acceptance by branch (End quote) So it states the bank would have to say 'yes this person is able to have the money they can pay us back'. Again I stated to FOS that due to the bank not being able to produce the contract that would make it void they again didn’t agree. Another thing that buggered me big time with HSBC (ever so slightly separate but equally need advice) is in 2010 stated to them I was in financial hardship. They put the loan in 'parking' (hold payments / not add interest as in financial trouble) yet 2 months later they started their weird process of taking 1 and half month money then normal payment then 3/4 of a month payment etc. In a space of 30 days they took 3 payments totalling - £835.05!!! For a part time working, single mother of a young lad with wages of £550 odd per month that’s more than my month wages!! Then came in the bank charges (the circle of being charged for being charged...sometimes hundreds of pounds!) no matter WHAT I said I was always in the wrong from there point of view. I am more than happy to go in to more detail about anything needed but any kind of advice would be brilliant. I don’t know if Id be able to go down a legal process to get them. I have read through the whole CCA 1974 and feel that by there own rules they have been irresponsible for there actions. For me now it’s a principal thing. Don’t get me wrong Id LOVE the money back but for the last 5 years it’s been about my credit rating . They have totally buggered it up! I feel I am right in what I have found but to be told no your wrong by the FOS is a confidence hitter. Ok so I’ve waffled on here....repeated my self I’m sure...just hope that I have made (some) sense. Thank you in advance for any help!

I am willing to help a friend out in claiming back all charges under Financial Hardship from HSBC. She has over £1200 in charges from 2007. I have read lots of info from the forum but needed to clarify some things before sending the letter to the bank. My friend just came off IVA in 2013 and she has a mortgage she is currently paying from her HSBC current account and makes a high monthly payment leaving her to use up her overdraft every month. Can I claim from 2009 (6yrs back) ? Can I use the same spreadsheet used in calculating Credit card charges ? Can she add interest at 29.9% to the charges? Can she do her Income and Expenditure on a sheet of paper with a pen or is there a particular form ? I would appreciate your prompt reply. Thank you

I owe HSBC 12K on an unsecured loan and 2k on a credit card. All payments are up to date and none have been missed. If I simply stopped paying these debts, would HSBC apply for CCJ to recover these costs, or would they be passed to a DCA who would eventually do this? Does anyone have an approx timescale of how long it would be before HSBC or a DCA actually started the CCJ process (as opposed to just sending threats) and also does anyone know if they would group these two debts together and manage them as one? Thanks in advance.

Hi HSBC have rejected a credit card PPI claim, stating that '....the policy document explained how the policy worked together with the claims procedure and the exclusions that applied... .....I also wish to bring to your attention that the Credit Agreement Form was completed and signed by you. Your separate signature requesting the CRP confirmed that you were aware that it was optional and that you had a period in which you had the right to cancel if you were dissatified with the cover.' They have enclosed a copy of the Credit Card form that I signed. I just wondered if there were any further steps I could take wth this, or is it the end of the road? Thanks

"We've added the right for us to upgrade a Bank Account to either a HSBC Premier Bank Account or an HSBC Advance Bank Account if you meet the eligibility criteria. " HSBC sent me their latest - we are changing your terms and conditions mess and I spotted that they are stating that they now claim the right to change you bank account type (without your request or acceptance) if you meet the requirements for some other bank account type. It seems they want to start moving people from simple free bank accounts to what could be charged accounts (premier etc) if you happen to meet the requirements set to allow that account. Now you could meet those requirements for a few months, they change you too that account, then your circumstances change (eg less than the minimum required transfer in each month) and you will then be in a monthly charge account without ever agreeing or requesting that change. In the details they do say that they MAY notify you if they have your correct contact information, but would appear to be attempting to avoid any obligation to have confirmed you have been notified, let alone agree and they require you to ask not to have your account changed - difficult if you don't get the notification or they choose not to let you know.. It seems rather insideus at the moment, and what is the next change to T&C building on getting away with this? " Bank Account terms and conditions 1. We may give you thirty days' notice that you meet the eligibility criteria for, and we're going to convert your account to either our HSBC Premier Bank Account or HSBC Advance Bank Account. You can ask us not to convert your account if you want to keep your existing one. 2. If your Bank Account is closed or converted to another account type, we'll remove all the Bank Account benefits on the date of closure. "

Hi I have just found some old paperwork for a car loan i took out with Midland Bank in 1997 (now HSBC).. As you can see from the photo - They charged me £959.29 for this "credit protection insurance loan". Now seeing as the loan for the car was only £6000 - They charged me a sixth of the value of the loan for this insurance.. Credit protection insurance loan was £780 - and on top of that they charged £179.29 interest (total charge for credit). Can someone tell me if this is part of the PPI story - and am i entitled to claim this back? Should i goto HSBC direct - and save myself the fee PPI companies charge - or would i need to goto a PPI refund company to claim it back properly. Any assistance would be appreciated! Thanks Steve (p.s. I covered up my name and address in photo as advised by my friend - just in case!!)