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    • Sars request sent on 16th March and also sent a complaint separately to Studio. Have received no response. Both letters were received and signed for.  I was also told by the financial ombudsman that studio were investigating but I've also had no response to that either.  The only thing Studio have sent me is a default notice.  Any ideas of what I can do from here please 
    • Thanks Bank - I shall tweak my draft and repost. And here's today's ridiculous email from the P2G 'Claims Dept' Good Morning,  Thank you for you email. Unfortunately we would be unable to pay the amount advised in your previous email.  When you placed the order, you were asked for the value of your parcel, you stated that the value was £265.00. At this stage the booking advised that you were covered to £20.00 and to enhance this to £260.00 you could pay an extra £13.99 + VAT to fully cover your item for loss or damage during transit, you declined to fully cover your item.  Towards the end of your booking on the confirmation page, you were then offered to take cover again, to which you declined again.  Unfortunately, we would be unable to offer you an enhanced payment on this occasion.  If I can assist further, please do let me know.  Kindest Regards Claims Team and my response Good Afternoon  Do you not understand the court cases of PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729)? In both cases it was held by the courts that there was no need for additional ‘cover’ or ‘protection’ (or whatever you wish to call it) on top of the standard delivery charge, and P2G were required to pay up in full for both cases, which by then also included court costs and interest. I shall be including copies of both those judgements in the bundle I submit to the court next Wednesday 1 May, unless you settle my claim (£274.10) in full before then. Tick tock…..    
    • IMG_2820-IMG_2820-merged.pdfmerged.pdf Case management was this morning. Here is the Sheriff’s order. Moved case forward to 24/05.   He said there was no signed agreement and after a bit of “erm, erm, yeah but, erm” when he asked them, he allowed time for sol to contact claimant.  what is the next step now? thank you UCM  
    • I've had a quick (well, quick for a thread of this length),  read of this thread and to be honest I'm struggling to make heads nor tails of the actual crux of the issue here. You seem awfully convinced that whatever is going on is worth the fight and the odds are in your favour but with how the thread has gone it seems that one trail goes cold so you simply move on to another in an attempt to delay the inevitable. All it does is end up digging holes and confusing others and yourself which means any advice given to you is completely pointless. I note that for the life of this thread there has not been any documentation or correspondence uploaded for people to have a look. Have you got any that you'd be willing to redact and upload for members to assist you? Right now, it seems people are shooting out advice while being in the dark because it's starting to become very difficult for people who weren't here at the start of this (including myself) to follow along. Right now, this whole thread is just hypothetical "He said, she said" and is going nowhere fast. Nothing more than basic advice can be given which, as you've sought out some legal advice, is likely not sufficient to actually come to any sort of conclusion. I, personally, am starting to agree with others that it may be best to consider bankruptcy and put the matter behind you.  
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Claiming charges back from day one - Help!


reclaimone
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Also MCOL automatically are staying all penalty charges claims. Here is the link for the HSBC's Particulars of claim:-

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/107637-new-hsbc-pocs.html

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They shouldn't, but unfortunately due to claims still being filed your claim may get stayed along with all the other non-business claims and then you then have the problem of getting it unstayed.

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  • 2 months later...

Hi,

 

Sent SAR, requesting list of charges from start of my account going back to 1992 approx. I was student so there will be quite a few.

 

They sent me standard 6 years statements.

 

Im aware i can claim back past 6 years but nobody at local branch or 08456028006 will help me even tho I have quoted S32 of limitation act.

 

What can i do folks?

:(

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Unfortunately it is almost impossible to obtain statements further back than 6 years. The banks just tell you that all they have is info going back 6 years and that is all they hold on record. Where all the stuff prior to that goes, I don't know.

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IMHO I don't think that even they can help you, but you could allways try HSBCrusher. He is the usual moderator that frequents this forum.

 

Best of luck.

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I have to agree with jo on this one RC1 , :) - even if the banks have this info wild horses wouldn't drag it out of them - and no-one seems to be able to prove otherwise. (Although some verbal slips have reportedly been made by bank staff in telephone conversations to make one wonder.... ):rolleyes:

 

But I wish you luck with it!

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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sorry to say there is virtually no chance of ever obtaining this info from HSBC. It appears to me that it is a very convenient way of limiting any claim.

There is anecdotal evedence that HSBC do indeed hold these records. I was fortunate, I had all my bank statements going back to the early 90s.

Have a go by all means, I think that there was a case once of someone obtaining some old statements from a branch, but that was a long time ago.

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  • 5 months later...

Hiya reclaimone, nothing has changed regarding the statute of limitations. This law limits the time you are allowed to bring cases to court to 6 years UNLESS you can show the bank seek to conceal the nature of their charges.

 

I think most people have used the OFT's report into credit card charges as a "trigger" date stating in their POC's that it wasn't relay obvious that penalty charges were unlawful until this report was published.

 

I think the best source of information about this is still Bong's thread but it is a bit long :rolleyes:

 

http://www.consumeractiongroup.co.uk/forum/hsbc-fd-hfc-successes/33005-bong-hsbc-contractual-interest.html?highlight=Bong

 

pete

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