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  1. I found the threat about Fendy-v-HSBC https://www.consumeractiongroup.co.uk/forum/showthread.php?83821-Fendy-Can-I-Get-Statements-From-Old-Midland-Bank-Account-20-Years-Ago I was interested because i was a customer with Midland bank, then rolled over to HSBC when HSBC took full control over Midland Bank. I had a situation where, after rolling over to HSBC, i spent time away losing contact with the HSBC representatives who Dealt with my every needs (Year 1994-1995). I returned to HSBC in 1997 to open a new account, staff then did not want to provide me details of older accounts
  2. Hi Redroy. Any luck with obtaining these hire costs back yet? Am asking as it seems I am in the exact same position as you are right now. Ive been told by OCL solicitors that third party are Hi Redroy, any luck with this yet? I am in exact same position as you was last year. Have been told by OCL solicitors that third party are disputing the excessive car hire amount and want to know why i chose to take an expensive car out of hire. I feel trapped as i explained to OCL that One Call insurance deferred me to the hire company and made it seem all seemingless a
  3. I was involved in a non fault accident one call insurance put me on to a company to give me a hire car and reclaim everything from the 3rd party . i had a hire car for 8 weeks i tried to return but wasnt allowed .now after 9 months i have received a.letter saying they havent recovered costs from the third party and are using OCL solicitors to reclaim the debt by court action using my name . has anyone being in this situation . they are asking me to sign forms to authorise this . please help Thanks in advance
  4. Saw my car with a clamp on it this morning and found out it was due for non payment of a PCN which I appealed against. Now i never received the council's response to my appeal and the only letter i recently received was on the Wednesday ( which i was told by the enforcement office, was hand delivered! which I think was posted via royal mail) The letter from the bailiffs stated i owe £200 as the for the PCN and court an legal fee due immediately. I was actually going to response to their letter today, but then saw the car clamped and i was charged £438 which had to be paid
  5. Hello, In November 2018 we booked a large barn through Airbnb for a friends hen do for May 2019 - paid the £1100 non refundable deposit which equated to 50% of the total accommodation costs Unfortunately the wedding has been cancelled and we cancelled the booking for the hen do last week -giving over 4 month notice Airbnb and the host are refusing to refund our substantial deposit even though within a day of cancelling the barn has been rebooked by another party. Clearly they are taking advantage - I have complained but haven't got anywhere and am just ben ignored by the ho
  6. bit long winded this one, sorry folks. I had been working for an outsourced company in a well known bank. Whilst in training I received strange emails from the trainer. This was following from a conversation in training were I asked a question. He explained (in answer to my question) it was in relation to couples who had a joint account and subsequently split. He said “say you and I were in a relationship”. Three days later I’ve seen he’s gone into my email and sent himself an email from my account/computer “that joint account we were talking about, do you fancy it? Can we get back t
  7. High Fellow Caggers, Please could you give me some advice. In August 18, I placed an order for a new chainsaw with Amazon and requiring it fairly immediately, I accepted their kind offer of a prime trial, believing that I would be entitled to next day delivery. In the event I received an email from Amazon stating that the chainsaw would be delivered on the day after the expected day of delivery. My partner and myself waited at our home all that day, no delivery was made. In view of non delivery and anxious to make the best of August Bank Holiday weather, I rang the importers of
  8. Interest rate increases without informing the customer CONC rules i.e customer not informed:- ? surely there is a time limit before they introduce increase, and the customer given a chance to disagree and state no further use will be made of the facility and just pay off outstanding under original interest Rate????
  9. Hi Caggers! I have a friend who is at the end of her tether with Scottish Power. She has a Gas Key for prepayment, however, has not used gas for approximately 6-9 years, possibly longer. This was due to the boiler breaking down and this was the only usage of gas, therefore she only uses electric immersion for the water heating. SP sent an invoice for money owing and after she quizzed them due to none usage they told her it was for X amount of standing charges for the gas meter. The agent for SP told her to ignore the bill due to none usage of gas and therefore she accepted tha
  10. HSBC UK have not complied with my Data Subject Access Request (SAR), submitted under the new General Data Protection Regulation (GDPR). The DSAR was requested on 16/06/2018 and should have been disclosed by 17/07/2018. 16/06/2018 - Request sent to HSBC UK for DSAR under new GDPR 18/06/2018 - Acknowledgement email received from HSBC UK Customer Care Team 22/06/2018 - Acknowledgement letter received from HSBC UK Data Protection Office 17/07/2018 - Data not received, so contacted HSBC UK who stated that they were not aware of this request and have not even started
  11. Hello, I purchased two baby pushchairs on Amazon from two separate retailers last March 2017. Both prams developed faults after 6 months, which was documented in emails to the manufacturer Cosatto, who told me each time how I could make the repairs myself. I didn´t make the repairs as, after subsequent faults appearing, I went back to the retailers on Amazon (Babyland Fife Ltd and Online4Baby, who say after 4 months they are no longer liable for the warranty or a refund, and that I have to take it up with the manufacturer. The man. (Cosatto) say explicitly, that they ha
  12. Hi all, I wonder if there is anyone that could advise me in a pressing matter. Below are the details: Myself and two others held a lease for a commercial property between June 2012 to June 2017. In 2015 upon the breakdown of the business we had agreed with the landlord to surrender the lease and hand back the keys. The keys were handed back amicably however we were foolish in not signing any documents and neither was any provided or suggested. Until this time all business rates had been paid and settled. In the last two weeks a letter was received at my
  13. I intend to get professional legal advice on this as I'm making my Will, but I thought I'd test the water here first. Please don't ask questions about the reasons for my wishes, it is a complex situation and I don't want to discuss it. Circumstances: I own my home outright, I am the sole owner. I bought the house outright with no mortagage and only my name is on the deeds. My girlfriend moved in with me when I took possession and a few months later her son moved in as well with my agreement. They are both named on the Council Tax and have bank accounts and mobile ph
  14. A friend has asked me the following. He saw a car on the internet and without looking at it he decided to put a deposit on it £1,000. Next day he changed his mind the dealer has said the deposit is non refindable. What are his rights on this he paid by debit card his bank is Nationwide. Thanks
  15. I bought an item from Etsy about a month ago and since I have been going back and forth with the seller because it never showed up. They showed me a proof of postage with my postcode that they had generated from the post office (no tracking) and this sufficed for them to win the non delivery case. The seller and Etsy are telling me it is my responsibility since they can show they shipped it. I am new to Etsy but this is a stark contrast to eBay who hold the seller responsible until they can show proof of delivery. I do not know what to do but file a chargeback which I am f
  16. Good Morning I am looking for some advice and support as now really fed up! To cut a long story short, self employment ending in March, role I was in was made redundant... received JSA for approx one month and then found a role as document collection agent via Job centre website on a self employed basis. Started part time first month and was paid, second month increased my hours and to date the company owe me £990 (approx 6 weeks) Invoice was due for payment this week, so early days I know, but all attempts to contact them have been ignored, and all t
  17. Hi there, looking for some advice on how best to handle this situation. We bought a new house, but rented it for 3 months prior to completion. We did not live in the house until the completion date, so the gas and electricity meters were started that day, with OVO energy, which was the same meter readings given by the previous owners, when they left. Unbeknown to me, the previous owner had given Eon (her supplier) my name and they have been contacting me to pay just over £300. I have spoken to EON on the telephone, to put them in the picture and have returned emails, but they
  18. Hi My sons moped was written off after a van reversed over it - non fault He has been receiving letters from his insurer asking for the outstanding premium to be paid, I havent been in this situation before and unsure of - If the remaining premium needs to be paid If the at fault party should cover the unpaid premium is there anything I should be doing instead Thanks in advance for advice
  19. My son has a Mk 4 VW R32 ,( Fast Golf ) and as well as being a long term project in keeping it standard and in tip top condition ,it is also a money pit , but he loves the car . His latest project came about because of a leak from the sun roof ,. The leak caused staining and other damage to the head lining ,so having replaced seals to the sunroof , using the cars VIN number he ordered a new headlining , which was special order from the factory The replacement head lining material is not a match to the rest of the interior trim ,” A” posts “B” posts and sunroof inner panel et
  20. I would be grateful for some advice from you guys regarding an on-going matter I have with a company called Park Watch. I was using the car park at the One Stop Shopping Centre in Perry Barr Birmingham and dropped someone off in an area which the company claimed was for busses only. They then wrote to me and issued me with a Parking Charge. I was going to pay it until I decided to Google the company and found that someone else (markavfc) had had the same experience and with your guys help had had the fine rescinded. Following his lead, I wrote to Park Watch saying that I w
  21. I sent a SAR off in July and have now received a reply from Egg that they cannot trace me and has my name/address changed. Well no it hasn't and they are the first company to have this 'problem'. They want me to provide all sorts of evidence including a valid account number (obviously I don't have this as I would have provided it) details of previous names/addresses and proof of my DOB. Other companies have just supplied the information where I don't know account numbers so shall I write to them again advising nothing has changed and I will be complaining the the Ombudsman if they do no
  22. Hello, I usually hang around on the rental section, but Mrs Carpet cleaner is having and ebay problem, it is this.. She bought 2 jewellery rings from a seller based in UK, she duly received a small parcel and it only had 1 ring in it, as this was a few days early from the expected delivery date she waited before getting in touch. On the expected delivery day she got in touch with the seller, and said that she had received 1 ring, but the parcel had nothing else in it except for a small plastic bag (empty) and that the parcel had not been ripped or opened. She prom
  23. HI I am getting a lot of grief from mercantile credit. I got some money back from a PPI using an agent and agreed to pay them an amount. I did not receive the invoice i got threatening letters from Mercantile saying they had taken on the debt and were taking me to court and coming round my house ( from Liverpool) I panicked and wrote to them saying i will pay the original invoice but not the charges added as i had not received the invoice. They would not accept my dispute i paid £110 and agreed a repayment over the phone of £100 a month for the next 3 months.
  24. I recently stumbled upon this https://www.rightsnet.org.uk/forums/viewthread/11714/ i did little research myself and according to this http://www.legislation.gov.uk/uksi/2015/437/pdfs/uksiem_20150437_en.pdf The DWP would appear to be correct in its decision re non-entitlement of payment ESA @ assessment rate from unsuccessful MR decision to tribunal hearing decision they have some how managed to make it law that any person can only be paid esa @ assessment rate (same as IR JSA) from unsuccessful MR decision to Tribunal hearing once only during their entire lifetime, regardless o
  25. Would someone please kindly point me in direction of some recent schedule of costs examples for circumstances like this? Thanks
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