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    • TfL take abuse of staff passes very seriously. If the pass has been confiscated I imagine they will write to them and it could result in the card being suspended for a time, as I understand it. I hope you've told them about the card being confiscated and why? We need to know how many times you used the pass please - how many weeks at 2-3 days a week. Later I would expect TfL to write to you as well, possibly with a schedule of journeys made with the card, to ask you to tell them which journeys were you. They will ask for your side of the story. We can help you to refine a letter to send once they write but you need to start it off because you're the only one who knows the full story. I suggest something like this. Paragraph 1 a short explanation of why you used the card on the day you were caught Paragraph 2 you know you made a mistake and you regret it Paragraph 3 you understand how what you did is wrong and the effect it has on TfL Paragraph 4 you have taken action - tell them what - to ensure that this doesn't happen again Paragraph 5 you ask if they would allow you to pay the outstanding fare and their administrative costs to resolve this Please don't copy and paste what I've said, use your own words. HB NB This is a suggested reply, don't send it before they write to you because we need to see what they say.
    • I purchased the phone last Sunday evening, online, and paid online.    it was collected in store on the Monday afternoon, and then the return was attempted the following day, the Tuesday. 
    • Thanks honeybee13, They have not been in touch with with my partner yet. Will my partner be implicated? I really don't want to and have to live with knowing that the pass is confiscated and will not get it back?? I must admit i use the pass non peak and use it for 2 or 3 days a week.  I have no excuses and am bad in writing letters. I have read some thread and sample letters but i don't have mitigating circumstances. My mind is totally blank and can't sleep. 
    • Shocked at Argos' stance on this, after my recent dealings with them. Purchased a laptop and after a month the battery went dead. They simply exchanged for a new one with no issue, even though they did not have to.   My question being, can you confirm how long after you purchased the phone did you go back and ask for a refund?
    • @Lovetoteach can I ask… do you rent? Is there anyone here who has a mortgage/owns their house? 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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hsbc hell!!!!!!!

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Hi guys,


i am very new to this site, after visiting and following step 1 i am now at a stand still!


I received a letter from HSBC 11/09/07. the letter has an attachment showing fees that may have bee added to my account (memo type) for the period requested 2001-2007 in respect of overdrafts. it also states that the notes explaining fees list which describes other fees that are ot included in the list and not related to my enquiry!


it states the quickest way is to log on to internet banking -


does internet banking go back this far? as show all fees??? the memo they send me doesnt look right. one part shows over draft related charges £525+ and the other part other over draft related charges. £320+



also letter states that they ASSUME (cheek of it! :shock: ) that i have asked this info in order to make a claim and wanted to advise me on their policy. that they have been involved in legal action proceedings with OFT.


But because of the determination of the legal issues in the proceedings (responding to complaints etc... ) they have asked FSA to suspend normal timetable for dealing with complaints (i take it this means can take forever???) but is subject to conditions that protect our rights.


What does this mean?


they say my complaint will be logged and dealt with once the legal proceedings with OFT & banks finish. and they will keep me updated.



please help and advise. i am very cofussed.....



Thank you so much



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welcome to the forum.

yes, it's true - there is a court case going on which means the banks are within their rights not to deal with your request for your charges to be returned just now.

here's a link which may be helpful: OFT Test claim: What this means for you


you've obviously asked them for a list of the charges which you mean to reclaim. i wouldn't trust their list of charges - i'd make my own. to do this you need your statements for the last 6 years. if you have them saved - that's great! if not, you could try to get them online - here's the way to make it go further back -






Click on “My Accounts” choose the account that you wish to deal with and then click on “My Statements” this will give you online access to up to 6 years of statements. (Repeat for each account and use a separate spreadsheet for each account).


Hint: - Watch out for the moving "Prev" button it is replaced by "Next" which takes you back to where you started :rolleyes:


now, if you can't get them online - you need to send a sar this is step one in the newcomer thread in my signature.

you send £10 (which they usually return) and ask for the statements over the last six years - under the data protection act - they have 40 days to supply that info to you. use the template letter in the library - the new sar letter generator will guide you through.

so, that's you getting the info - once you have it - follow the steps in the step by step - when making your list of charges- use this list:

Charges description on statements - Please Read (note: as of 1 dec last year - they started using the terms notified fees and arrangement fees - these are just new terms for old charges so include them in your list)

once you have your list - you can send the preliminary request for payment then 14 days later your letter before action - it's all in the step by steps - the newcomer link in my siggy.

hopefully, this will help you on your way. it will take quite a bit longer than it would have before the announcement of the oft court case - reported in the news on 26 july - but it will happen. the smart money is saying if you have your claim in the system - it will be dealt with.

good luck - get back if you have more questions

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HSBC are basically telling you that if you try and put in a claim to refund your charges, they will log the complaint and deal with it once the OFT test case is over and done with.


As lattie has explained above, the easiest way to get the info regarding the charges that they have levied from your account, is to register with the online banking facility. There you will be able to access six years worth of statements. Just register using the link on Lattie's post and then you will receive a unique ID number to access your account online.


As for timelines for the OFT case, nobody knows for sure how long this will take. It is due to start in January 2008.


If you go through with your claim eg send the preliminary letter, wait 14 days, send letter before action, wait 14 days and then file a claim through the courts, your claim will most probably be stayed (this means it will be put on hold until the outcome of the test case with OFT). In some circumstances eg financial hardship or if you are on benefits and they have been taking penalty charges from these benefits, then it may be possible for you to lift the stay.


if you have any further questions, just ask.

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If it's any help, as per JW's post, I'm at the stage where my claim has been stayed pending the outcome of the OFT case. I've applied for the stay to be lifted on the grounds of financial hardship, human rights, taking charges from benefits etc and am now waiting to hear back. Just for info I've also starting prepping to go "all the way" with HSBC, for entirely personal reasons, including letters to the DTI, OFT, FOS, MP for Work and Pensions, my local

MP and also my local papers. If I can help you in any way, please just ask. If I can't then one of the other layabouts on here should be able to ;)


/me runs for cover....

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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