Jump to content


  • Tweets

  • Posts

    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Letter back from HSBC


Please note that this topic has not had any new posts for the last 5422 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I sent my letter to my Branch on 9th Feb, and received a reply this morning. My total bank charges was £1100.

 

The letter advises me that they "provide me with free statements so that I can reconcile my account with my budget"

 

The text following is verbatim.

 

"If there are insufficient funds to meet cheques, dd's etc, the bank has to decide whether to return the it unpaid, or allow it to go over my agreed overdraft limit. Similarly the bank is aware that customers may need to access funds in anticipation of salary or other credit. For this reason the bank will allow limited tolerance at cash machines and retail outlets in order to avoid embarassment which rejection can cause."

 

"On each occassion the bank pays the balance causing the account to go overdrawn, or exceed an agreed limit, a fee of £25 will be charged up to a maximum of 5 fees a month ie £125. If a cheque, standing order or DD is paid, a charge of £30 is made for each item. This charge may be reduced to £10 if the item value is small."

 

"We do not agree that the charges constituted by the Bank constitute a penalty clause, and are therefore unenforcable. The contract between the bank and any customer is governed by HSBC standard terms and conditions. In respect of unauthorised overdrafts, the relevant clauses are 7.11 to 7.18. In these circumstances there is a process that involves the bank considering whether or not to pay the item. A fee is charged for this, and is set out in the enclosed price list. We also encolse the relevant T&C's for you information.

 

I can confirm that the charges have been applied correctly in accordnace with our tariff. However in view of your comments, I have today refunded £100 already applied to your bank account. It will not be possible to refund any future charges.

 

Thanks for taking the time to being you concerns to the banks attention. Blah blah blah.

 

What shall I do now?

Link to post
Share on other sites

What did you say that you would do? Do it.

Link to post
Share on other sites
For this reason the bank will allow limited tolerance at cash machines and retail outlets in order to avoid embarassment which rejection can cause."

 

I wish they told me that one, I'm sure I could of made it more embarrasing for them.

Link to post
Share on other sites

HSBC wrote:

 

"We do not agree that the charges constituted by the Bank constitute a penalty clause, and are therefore unenforcable. The contract between the bank and any customer is governed by HSBC standard terms and conditions. "

 

Personally. I thought that the Statute and Common Law of England was superior to the t & cs of an international company. I could be wrong.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Link to post
Share on other sites

Firstly read the FAQ and step by step guide. Then use the knowledge gained from reading it to decide what you need to do next.

 

As Bankfodder has correctly said in the FAQ section, this is not a 'Get rich quick' scheme and you could well end up in court (should you decide to put a legal claim in)

Link to post
Share on other sites

AS far as i'm aware a card misuse charge does not exsist in any hsbc banking contract.

 

Please expand on the reasons you wish to note.

 

In a previous meeting with a branch manager, I brought up the card misuse charges and gave no reference to such a term exsisting in the contract terms and conditions.

 

Sadly I have still not recieved a responce from this meeting.

Link to post
Share on other sites

Hi

 

I have

 

Card Misuse Charges - Used Switch or guarenteed a cheque with no funds.

Unpaid Cheque

Unpaid DD

OD Excess Fee

Card Recovery Fee, even though they took it off me in the branch!

 

£120 of the card Misuse came as HSBC debited a payment 6 months after I purchased the item at Vision Express in London. HSBC were also the acquiring bank for Visonexpress.

Link to post
Share on other sites

OK, if the charges add up to £1100 pounds and you are persuaded that these are comprised of disproportionate penalties then you follow the steps in the FAQ section.

Have you read it?

Link to post
Share on other sites

Money calim have a serious computer problem whch seems to be causing long delays at the moment and it might be better to do it with an N1 and a visit to the court.

 

there is an N1 form linked in the library which allows you to type in and then print out.

Link to post
Share on other sites
Money calim have a serious computer problem whch seems to be causing long delays at the moment and it might be better to do it with an N1 and a visit to the court.

 

there is an N1 form linked in the library which allows you to type in and then print out.

 

Done now. Thanks again

Link to post
Share on other sites

So what are your claim details for our litigation section????

Link to post
Share on other sites

Thank you. Pm details to Dave or Bankfodder.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

Link to post
Share on other sites
  • 1 month later...

Has the time limit expired? If it has get on the phone to the court for a default...

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

Link to post
Share on other sites

I may be wrong, but I am sure they get 7 days from the default...? Someone may need to elaborate here..

If you find this post useful, please click the Scales of 'Justice' in the top right corner. Thanks ;)

Link to post
Share on other sites

Is there any update on this??? I have just filed my claim today and I am really interested in how HSBC get on with these?

HSBC - Default Judgement - £4892

HSBC, PA 29/3/06 LBA 12/04/06

HSBC, Court Claim Filed - 26/04/06

Lloyds - Claim - £625

Lloyds PA sent 16/05/06

Link to post
Share on other sites
  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 5422 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...