Hi All, i had a mortgage from 1996 to 2002, i think i had PPI so have claimed, HSBC say they cant find a record of my PPI but i'm pretty sure i did have it. Is there any other ways to check for this PPI as i don't have the documents or policy number or mortgage statements. Cheers.

I have received a CCA from HSBC dated 05/2005 Does not appear enforceable to me but would appreciate another set of eyes Also guessing it is a copy from microfilm or computer not from a physical agreement

I'm new to this site and came across it whilst trying to see what else I could do about what I see as extreme unfairness from HSBC. I have been their client for the last 9 1/2 years. I had also had an account at a young age with the old Midland bank. Through online banking I saw they were doing this amazing personal loan at 3.9% APR. Since I have a credit card with them which I must admit I am paying a very high rate (increased from 18.9% to 21.1% or around that - unsure of amounts) I thought I'd take a loan and clear off the card plus take a holiday since their low APR is for loans from £7k to £15k. I was looking at borrowing £8k during 36 months. So I was brave and applied for it online. It told me I had to contact the bank by telephone. I did. After asking me a few question (eg. what the loan was for) they said it had been approved but the rate was 9.9% APR. I queried it and was told that that was it. I asked if they could put it in writing and was told no. Seems they can only put in writing if I had accepted the offer. Anyway... I went to my local branch and asked who I could complain to and explained the situation. I was told to join experian or equifax. I joined experian and my credit score was showing as excellent at 965. The only downside on it was a credit score check by HSBC which meant when they checked it was even higher. My only debt is to HSBC and is that c/card. I have never missed a payment on anything nor with anyone. Seeing that the loan is to clear the card then that would vanish from the account anyway. After checking with Experian I tried applying again and was told to contact them again. I decided to email them. Found a customer care team email address. Emailed them. Had no reply for a couple of days so sent them a message on online banking asking why no reply. Was told that they "never received said message". Asked me to email again which I did and had an email confirming receipt but no other reply so far. I have also sent a complaint to the financial ombudsman. Just saw on the forum they don't see to be as helpful as I first thought. I keep being told by HSBC that the APR they offer is due to "several factors". All I want to be told is "this is the main reason why we offer a higher rate" or "if you change this then we can revise the offer". Just feels like they are offering the higher APR as then I won't be paying the ridiculous interest I'm currently paying (around £55-£60 per month just interest). It feels like they are saying that since they will not get as much from me then they will charge me more. Without me asking they increased my c/card limit to £6.5k. For them to do that they know I will repay that amount and likely a high interest amount. If they are confortable enough to do that then why charge me such a higher rate? Are they misleading customers? I had another friend who has no debt at all and applied and had the same answer as me. Is there any way they can actually prove they have offered this rate in good faith? It truly doesn't feel like it. It feels like they refuse to discuss the subject and suggest any positive solution to what I'm querying. I am currently waiting a response from the customer care team and from the Financial ombudsman but seems like I shouldn't hold my breath. If there any place I can complain if I truly feel they are misleading customers? It feels they hold out a sign saying an excellent deal here but then it's all fake. I'm sorry it is such a long post but am truly at a loss on what else to do. I'd appreciate any help or advice if possible. Thank you

I was shocked to see when I logged into the HSBC forum that no-one was talking about the recently publicised details of the HSBC scandal and HMRC's handling of it. Then I though maybe it is being discussed in here. But no. This is a huge issue that effects us all, is no-one interested? DJ

I am completely shocked to log into the forum and find that no-one has posted a thread or is discussing events now having been made so public around the HSBC scandal. This is a huge issue which effects us all. So why is no-one talking about it? DJ

Ok, A few months ago while i was tying up my other two claims, I checked the paperwork for this pre 2007 credit card with HSBC. Sadly not enough charges to make a reclaim worthwhile. However something always niggled me. HSBC Via metropolitan offered a 40% discount previously. I thought something had to be wrong with it. I checked the material from the SAR and could not spot something. So I did CCA request. 2 months go by and today it arrived. Their interpretation of a recon includes. A generic T+Cs booklet "at time of signing" A Blank application form with no details A +T+C of variation A updated T+C booklet A Credit card request form with name and one of my previous addresses. Somehow HSBC married me off and neglected to inform me as according to this sheet I am now married!!!! 2 statements ftom the last 2 months. More interesting in the letter was the following "With regard to the Signed Application form that you made a 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 I have enclosed a reconstituted copy along with two certified statements duly stamped and signed for your records validating any debt outstanding. NB HSBC still own this debt. Being paid £1 a month. So thoughts and comments?

Hi all Firstly apologies this is my first time posting, have had a good look around the site and am very impressed. I've been able to kind of answer my question by studying other posts here but would appreciate peoples opinions if they have time. I defaulted on a HSBC current account that was overdrawn in September 2009. The amount was approx. £4000 and was mostly unfair charges from the bank. I did attempt reclaiming charges prior to default but in the end just gave up, cowardly I know. Since 2009 I've moved addresses a few times and had letters from Compello Group chasing this matter up. Until now I've just ignored everything (possibly a stupid idea) Lately the letters have been coming from MKDP arm of Compello and the latest one looks a little more serious. Its a fishing letter no mistake "We have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases and understand you reside at this address" goes on to say about an instruction to pre-legal department and if the matter proceeds possible CCJ, Balliffs or Attachment of Earnings. The matter would be Statute Barred by my calculation later this year (September 2015), but have read on here firms like MKDP go for a CCJ to prevent it becoming SB ? Should I go for it with the SAR, CCA letters do you think ? Or am I just entering a big next of vipers ?! Thanks folks

I was after some old Midland Bank missing statements and Credit Card details so I sent an Subject Access Request to Head Office in Canary Wharf, London. Can someone advise if that was the correct address ? Also has anyone else had any luck receiving anything from the early 90's ? I know it's a long-shot but could help me out big-time with some old loan accounts. Cheers Baz

A few years ago DG Solicitors took me to court and got a CCJ against me and also got a charging order against the house. In October '14 I cleared the debt. DG sent me a Notice of Satisfaction. Do I now have to do something, or will DG Sols update the court / Land Registry? A second problem is that the Notice of Satisfaction is incomplete. A sentence says "We confirm final payment of the above account was received on ." but has the date missing. I have asked DG to correct this, but I haven't received a new notice yet. So, if I have to do something for the court/land registry, will this certificate be acceptable? The CCJ still appears on my Noddle report, though the bank account the debt was associated with has dropped off. Thanks, Sue

Hello I was wondering if anyone could help me, I recently applied for a mortgage with HSBC and was approved. Subsequently I have now completed the purchased but noticed that the mortgage has appeared on credit file and is being update (status) monthly like a credit card (0's). I asked around on other forums (sorry) and most replied to say that mortgages are considered as secure lending and not like a credit card and therefore should not recorded monthly rather just registered under additional address / linked address. I have spoken with HSBC who don't really have a clue about why it has appeared like this on my credit file? Can this be removed? and the positives and negative of actioning something like this? I would be grateful if someone could clarify the issue for me? Thanks

Hi All, Just finished writing my CCA request for HSBC (C/O MK Rapid Recoveries) - so fingers crossed that I get something back. I'll post my progress back here. All the best

I’d appreciate some help and advice on my position here if possible. I recently moved house and at the same time changed my mortgage arrangements. At this time I had a HSBC mortgage and then took a new HSBC mortgage for the new property, with the old mortgage being settled as a result. HSBC has charged me an early repayment fee on the original mortgage citing their Ts & Cs. Initially I raised a complaint about this over the phone to which I received a response in writing. Subsequent to this I have tried to enter into a correspondence with them asking them to answer 2 questions which are the basis of my complaint. They responded to this letter by referring back to their original response and not answering me and referring me to the ombudsman. I’m feeling pretty aggrieved having personally been a HSBC customer for 19+ years, having x3 current accounts, a credit card and most recently a mortgage (with the all accounts are in good credit) – also not least of all their dismissal of my last correspondence which is not least of all very rude and poor customer service. I would like to some help & advice on my position if possible on the following 2 points: 1) 1) The original Ts & Cs state that if I redeem the mortgage within the specified period then early repayment fees are applicable unless I take a new HSBC mortgage for the same amount, term and rate. It also seems to imply that the new mortgage should be the same product type (i.e. fixed, discounted) but to me it does not 100% read this way. My new mortgage is technically a higher amount, longer term, higher rate but a different product. Is there any movement on the Ts & Cs or how can I challenge this. 2) During the mortgage application process (online) there was no alert or warning to advise of the possible charge being applied if I did not select a similar product (even utility and other service providers would do this). Post application I received a letter stating that the original mortgage had received a redemption request from the new mortgage and that the amount was satisfactory to cover the balance. The balance of the account was stated with no fees included and no warning of a possible charge for early repayment. 2) 2) Lastly, during the conveyancing process, the solicitors acting for me were sent a redemption statement. This statement was not sent to me by HSBC nor shared with me by the solicitors – the solicitors provided me a completion statement which showed the net figure to redeem the mortgage but not an itemisation as sent to them by HSBC. My questions here is should HSBC have alerted me to the possible charges and provided me directly the itemisation of the redemption including the fees and as such how can I challenge this? As a note I had another mortgage with the Newbury before moving to HSBC and they provided both me and the solicitor with a redemption statement. Any help and advices would be greatly appreciated Merv

Hello, Please could somebody help. I'm new to CAG. I'm retired now, but had a loan, credit card and flexiloan with HSBC for a long time. Received a letter from them telling me I had protection on them all, although I didn't realise this. I made a claim for PPI for all 3. I was told Personal Loan claim accepted and offer has been made but flexiloan protection claim and credit card protection claim have been declined. The reason given for declining the flexiloan was 'premiums paid in respect of plan have appeared on your bank statements where there has been an outstanding balance, throughout the period your policy has been in force'. Reason for declining the card protection was the same, even though they said they can't find original documentation. Is this fair/right? I didn't realise that I had it and certainly didn't ask for it as I had good sickpay from my employer when I worked. I would be very grateful for any advice/help. Thank you. Brian.

Background: In 2003 I took out a credit card with HSBC (who I held a current account with). This had a credit limit of £200, which subsequently increased to £500, then £800. In 2007 I defaulted on the card. This default shows up on two separate occasions (more on that later) as 2008. I had been querying with HSBC how the amount owed had increased to £1700+, and had not received any answers. I (perhaps foolishly) then left this. In 2012 I wrote to HSBC, quoted the card number, and stated that I believed the matter was not resolved, and that I would like to resolve it, as I was worried about any adverse effect on my credit history. This letter received no reply, I followed it up with an additional letter a couple of months later. Neither letter acknowledged any debt or offered any payment plan; both referred to my concern over how the figure had been reached. While this was going on, I was receiving phone calls from what I believed to be various companies (Keynes, MKRR, Compello, MKDP etc etc) asking for personal details, which I always refused. It subsequently appears the alleged debt was purchased by MKDP LLP, and they were pursuing. In 2014 I obtained a cred it report from Equifax, Callcredit, and Experian, as I was looking at obtaining a mortgage. There were a number of inaccuracies, but relevant to this was a CCJ obtained at an old address, by MKDP LLP, for £1796. I applied to the court to have judgement set aside, and this was granted on the basis that I had been a continual HSBC client, so they should have had my correct address. There was a condition that I filed a defence with the court by the 12th January. The default date on the HSBC entry on my credit report (I've got some historical ones) is shown as 10/05/2008. The default date on the MKDP entry is shown as 15/10/2008. Neither show on my current credit report. The CCJ has now disappeared from my credit report. Question I have always disputed this debt. Court action was commenced before the debt became statute barred (if you count the default date in 2008 as the cause of action, rather than the date I stopped making payments etc). What should I do? A solicitor friend of a friend has suggested I 'Put MKDP to proof', and has implied that they may not pursue this any further - I however think they will. How do I go about putting them to proof, and what should I ask for? I'm all ready to send some faxes today (I've found this a pretty effective method of instant communication), so I would appreciate: 1. Knowing what information to ask MKDP LLP for 2. Some help drafting my defence Any support gratefully received. Jim

I recently wrote to Hsbc to reclaim all my bank charges for the past 6 years and I got a letter from them requesting income and expenditure in other to consider for financial hardship. How do i go about this ? Will I have to prove to that I had gone through the hardship from when they have incurred the charges (6yrs ago) or does it have to be presently ? They advised that I call them within two weeks of the letter to provide my income n exp. I would appreciate your urgent reply .

Where do I start... There is a Current account in my name dating back to the very late 90's when I was a student. I had many accounts during university, taking advantage of the many overdraft facilities on offer at the various banks. Hand on heart, is this account mine? I honestly don't know. At one stage the debt of circa £3k was being managed by Apex Credit Management. I was young, naïve, conscious of credit reports as I was in the process of buying my first house, and so I relented and started a payment plan with Apex in say 2003 to 2008, the debt now stands at £2.6k. As I became a little more clued up, not as much as you all on here, I asked Apex to prove the debt was mine as they had bullied me in to paying. I sent off the £1 fee and nothing came back. The debt recovery was eventually stopped, and the account reverted back to HSBC. Earlier this year HSBC contacted me via letter and said the account was being dealt with by Lowells, then Hamptons (I think), and when I pressed for proof that the account was mine, HSBC quoted the 'statute of Limitations Act' saying they do not keep records beyond 6years, furthermore, my time to dispute the matter with the Financial Ombudsman had expired as their letter of this year was over 6mts old, coincidently, Lowells letter to me was the day after the 6month time limit had expired. Do I have to pay this debt? Will it show on my credit report? Any advice would be welcome.

Hi all, In brief... I had a First Direct a/c from years back. Reclaimed £100s on O/D and bank charges about 7 years ago. The amount that is overdrawn is exactly what I owe, no other charges like PPI. The account has been on a DMP for some years. Now I'm going it alone. It had been moved to MCS, and payments made through DMP until 3 months ago. Now they wrote to me and said the account has been passed from MCS back to "HSBC Repayment Services" My thoughts on action are this: --- No point in CCA (bank account), and still with original creditor (HSBC=First Direct, right?) --- No charges to claim back, I've already done that some time ago. There is interest accumulating - not every creditor has to freeze the amount owed as far as I know. the interest is only pennies really, as the overall debt is around £400 --- So make a full and final settlement offer? Threads I've read here suggest start neg at 15% of total debt Last I heard from MCS was that they offered *me* a settlement figure in March 2014 of a 15% *reduction*, i.e to pay 85% of the amount owed.... any advice on this? Shall I go for an adapted letter from the template area on this site and neg with HSBC? Thanks in advance

Hi there, On 13 November at 6:14 pm I tried to withdraw £200 from HSBC cash point in Richmond. 2 attempts failed and each time I received error message. The only difference was in second attempt the lid opened but nothing came out apart from fresh air. Next day I went to the branch and explained what happened. One of the staff told me, don't worry, you will get your money back as it happened before. I explained what happened and they told me in 2 weeks time I should get my money back. Now after more than 2 weeks, nothing happened and on Saturday when I went to the branch again and asked for a manager, one of the staff told me he is busy now but I will ask him to give you a call. Then, nothing happened, he didn't bother to call me. my question is what should I do now? And how can I take a legal action and where should I go? Many thanks, Sirous

To my dearest CAG friends, I hope you are all well. It has been a lifetime since I have been on here for advice. I have some very dear friends (Mr & Mrs W) who are in desperate need for some help. A DCA, MKDP LLP are chasing funds (of less than £1000) for a credit card balance. Reading through their paperwork (in my limited knowledge) Mr & Mrs W may not have followed the procedure correctly in replying back to court documents. Let me give you a brief overview. Debt was assigned from HSBC to MKDP LLP on 13 March 2013. Mr W requested a copy of the signed agreement from them. One year later (12 March 2014) an ineligible copy was finally sent through which was a copy of opening a bank account not a credit card. 29 May 2014 Claim form received from Northampton County Court Business Centre POC reads: The Claimant claims the sum of £xxx.90 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 13/03/2013. The Defendant(s) account number was xxxxxxxxxxxx. 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 £xxx.90 and costs. The Claimant has complied, as far as is necessary, with the Pre-Action Conduct Practice Direction. They did not complete the AoS instead they replied with a letter dated 14 June 2014 with the following: Dear Sir/Madam, With reference to the above, I can see that there is nothing for the Court to deal with as I have said that I would be happy to pay upon proof of the debt which MKDP LLP have failed to provide. 16 July 2014 Mr & Mrs W received Notice of Proposed Allocation to the Small Claims Track which said the following: TAKE NOTICE THAT 1. This is now a defended claim. 2.It appears that this case is suitable for allocation to the small claims track. If you believe that this track is not the appropriate track for the claim, you must complete box C1 on the Small Claims Direction Questionnaire (Form N180) and explain why. 3. You must by 4 August 2014 complete the Small Claims Directions Questionnaire (Form N180) and file it with the court office and serve copies on all other parties. 24 July 2014 Mr & Mrs W received from MKDP a copy of their Directions Questionnaire where they requested Settlement/Mediation. 6 August 2014 Mr W received a General Form of Judgment or Order They had failed to file the Directions Questionnaire with the courts. They duly completed one on the 13 August and hand delivered it to the Courts. 16 Sept 2014 Mr W received a phone call from the Mediation department. Mr W disputed the debt saying he was waiting for a copy of the credit card application. Mediation department said they would go back to MKDP to request said form. MKDP told the mediation department they were in possession of a document with a date stamp (1996) which did not require a signature from the bank. The conversation ended with a 'see you in court.' 26 Sept 2014 Mr & Mrs W received a Notice of Transfer of Proceedings stating to all parties, This claim has been transferred to the County Court hearing centre listed below for allocation. On receipt the file will be referred to a procedural judge who will allocate the claim to track and give case management directions. Details of the judges directions will be sent to you in a notice of allocation. 12 November 2014 Mr & Mrs W received a General Form of Judgment or Order stating: Before District Judge xx sitting at the County Court... UPON considering the file and there being nothing like a defence document filed IT IS ORDERED that:- 1.The defence is struck out 2. The Claimant may enter judgment forthwith without further order 3. Any party affected by this order may apply to have it set aside or varied or stayed such application must be made within seven days after the date when this order was served on the party applying. Dated 20 October 2014. Mr & Mrs W responded with a letter dated 19 November 2014 stating: With reference to the above judgment I am requesting this be set aside. The Notice of transfer Proceedings dated 24 Sept state that I should have received a notice of allocation, of this I have never received. It would appear from this last document that I should have submitted a defence document, this I was totally unaware of as this is the first time that I have been in this situation. Could the court advise if this situation could be resolved and if so what action is required of me at this point. 24 November 2014 Mr & Mrs W received a letter from the courts advising they need to complete a N244 form within 7 days which is where I am asking for help. I feel so sorry for them as they should have asked for help. From the mediation it has gone straight to judgement. As such, please could someone advise how we complete the N244 form to help them with their case. It must be completed asap. Thanks so much Big hugs x:)x

OK history of the debt: Credit card Taken out: 2005 ish Original Creditor : HSBC Current Owner : HSBC Agent : Metropolitan (HSBC) Approx Amount : £1200 Current Status of the debt: £1 minimum payments to Metropolitan. Account defaulted and terminated 2012/13 after informing them I was on ESA (at the time) Offer made July 2013 40% reduction by Central Debt Recovery Unit. AIM: Evaluate the enforceability of this debt in order to make a reasonable F+F. ------------------- OK I have the SAR info already - Very little in the way of charges. No known PPI So why did they offer 40% reduction so early? Tomorrow a CCA shall be going to metropolitan. Something smells. Anything people think I should be looking out for? Being 2005 the account was opened I would suspect they have the original agreement required to enforce. So any ideas?

Hi, I was just wondering how best to deal with Moorcroft who have been hounding me. I signed as guarantor for my HSBC Ltd Co. business loan when I started up in 2003/4. Unfortunately due to a breakdown and ill health caused from stress etc the business had to close in 2007, following that I did try to keep making what payments I could afford towards the loan (the outstanding balance is around 20k) but haven't paid anything for about a year/year and a half, however loan doesn't appear on my credit file. Have been burying my head abit as going through a horrible divorce at the moment and not quite able to deal with this as well, have been ignoring all their threat o grams. just need to hold them off for a bit until the divorce is finalised I kinda know where I stand financially. To commit to a financial arrangement with them at the moment whilst everything is still in limbo is going to be hard, and having been pretty much a stay at home Dad since the business closed, I will have to rely on tax credits, CB and maintenance payments to provide stability for my kids until I can get back onto my feet after the divorce is finalised. Should I treat this loan as I would a personal one and send off a CCA request? Or would it be worth just offering Moorcroft/HSBC what little I can afford to get them to go away? As they are threatening me, that if they return the account to HSBC, then HSBC will start legal proceedings?

Can you help please - have payment arrangement with hsbc since oct 2009 for credit card taken on in 2004 - financial issues 2009 hence arrangement - hsbc sold account to marlin earlier this year after it had been handled by their own metropolitan collection services who agreed a standing order for £1 per month for 999 months starting in 2009 - continued paying hsbc and they have been passing money to marlin financial - never missed payments - marlin parent company (marlin europe) stated in writing they would honour hsbc arrangement - fine - now marlin financial want income & expenditure etc and review - note last statement received from hsbc dec 2009, none from metropolitan that i can find and none from marlin yet my question is this - are creditors legally obliged to send statements to debtors and if so how often are they required to do so - also when i informed hsbc in feb 2009 of my issues they continued to apply interest until dec 2009 although i do not think they should have done as they sent the default notice and final demand etc in the late spring/ summer of 2009 i do not like marlin as they are threatening all sorts even though have maintained payment plan without fault for 5 years - thank you

Firstly, sorry if this is posted in the wrong section of the forum. I got a letter a few days ago informing me that my account was being switched from Metropolitan Collection Services to HSBC Repayment services as from 01 December. I was told to continue with any arrangement I have on my account. Fair enough, but, the agreement I have expires this month (November). Also, as I have a repayment card for use at the Post Office, will this cause problems? Who (or what) is this new company? I can't seem to find much info on them either on here or via Google, they seem to be based in a PO box in Coventry. Is this anything to worry about, am I about to be snowed under with yet more pointless letters that just keep going round and round? Or is it a simple re-branding? Thanks for reading, I look forward to your replies.

Hi I took out a fixed-sum unsecured loan with HSBC back in October 2007 which was covered by the Consumer Credit Act 1974. It was for 5 years (60 payments) and finished October 2012. I had heard about them owning up recently to problems with statements and was talking to someone at work who recalled the Northern Rock problem with statements not stating original amount borrowed. decided to dig out my annual statements and loan agreement. Mine doesn't have the original amount borrowed on just opening balance and the payment and closing balance. Bit confused, is it only a requirement on certain loans? They only seem to mention problems with not having the part payments criteria that was missing in all the information i can find on the internet. Plus on one forum somebody said they had spoken to HSBC and was told that it only affects loans since 2011? Thanks

At the moment, I am unemployed due to health reasons. I've just had a major operation and I did not overdraw, but rather, bills like TV license, Virgin Media etc.... They took out £44 for charges and I forgot where the draft is to write a letter to them to claim it back under hardship! I hate HSBC, I really should change banks soon...