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    • Thanks both - Just did not want them to have the satisfaction of tarnishing the record even if it was for 12 months I'll wait it out - only 4 months or so to go   Thanks again
    • Thanks uncleB.    I have quite a few valid challenges which would prevent bankruptcy / return to original ownership.   Yes I am trying to sort legal help.  It's hard with limited financial resources.  Hence why I'm trying to create own defence.   I'm not sure I understand how they are legally allowed to completely gut a building whilst - I thought - under a legal obligation to sell?    They have refused to sell whilst also accruing interest and applying costs over a very long time. It's as if they deliberately racked up interest and costs to create a shortfall and grab the property via bankruptcy. The property was in good condition. Although squatters did get in. Is it a viable legal opportunity for them - without bankruptcy - to retain the property and rent it whilst simultaneously still charging the mortgagor interest?  
    • The original, and for some the best, James Bond.   Piers Morgan has just quoted George Lazenby as saying 'Sean Connery WAS James Bond, the rest of us were just imposters.'   https://www.bbc.com/news/entertainment-arts-54761824  
    • @dx100ukis right and even so - A Search doesnt reflect anything whether you were approved or decline. If youve had 1 search in the last 6 months, Then you dont need to worry  
    • god which want shooting for the stupid far reaching statement. only the OWNER of a debt can issue legal proceedings!!   IF the DCA letters say 'our client' thus they DON'T own the debt
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
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Hello!

 

I've been a member for a month or so and found it superbly helpful and informative.

Here's what has happened to me so far:

 

*I sent the initial letter requesting statements - I received a letter back saying "they are on their way" and we would not need to charge £10 - funnily enough, the £10 wasn't refunded in my account!

 

*The statements arrived - 6 years worth - TWICE!! The postman was sweating like mad...!

 

*After wading through them, i've amassed a whopping £2,412.50 in charges plus £216.61 debit interest in a 6 year period. I've totalled up monthly charges levied (which in the first 2 yrs was at least £27.50 a month aside from the individual charges...) and have included Unpaid item charges, Recall SO-DD charges, Card misuse charges and Unpaid bill payment charges.

 

*I completed the spreadsheet and templated letter and sent it off.

 

*This morning, a letter came back from David Johnson in Customer Services, not agreeing with the request for repayment, pointing me to clauses 7.11-7.18 of HSBC's standard T & C's in respect of unauthorised overdrafts. It goes on to say that the fees payable are set out in the published list price and the bank has to consider whether or not to pay the item. The letter then says, if my claim for a refund proceeded to court, they "therefore believe they would successfully resist any legal challenge in relation to the fees."

Underneath that, they say they are prepared to review any charges that I believe were incorrectly applied under their T & C's if I specified them.

 

My question to the forum is:

 

Would it be reasonable to ask for all the charges to be refunded OR just any amount over £10 - ie...what would be considered reasonable following the OFT report? If that is the case, it would be £870 in charges they would refund, if I was to pay £10 for every item listed.

 

Any help would be appreciated.

 

THANKS!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Hiya - good luck with your claim - I don't think (but I am no expert) you need to deduct 10. 00 frpm each charge. I haven't and ive not been corrected by anybody yet - claom for the full amount - thats what I have done - good luck.

 

Sarah

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Hi Sarah,

 

Thanks a lot for that - if nobody suggests different, then that's what I shall do!

cheers,

 

Les.

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Just to add...the bank must be in a tizz...their letter to me is dated 27th May 2006!! The LBA will be sent recorded delivery tomorrow!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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The OFT didn't suggest that £10 would be a fair or reasonable charge.

 

And as the banks won't tell us what their actual costs are, we can't claim the difference, so go for the full amount.

 

Good luck!

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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the oft report said that, anything over £12 will be investigated further, however they made no admission that the £12 charge was fair or indeed reasonable

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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Thanks for that - it all makes the banks argument as clear as mud eh?!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Just had a thought after reading a couple of other profiles.

 

I'm aware that the Bank (if they agree to pay up...!) may close my current account - no probs as i'm with someone else now. I've already closed my Savings Account (that was a joke lol) but still have a Mastercard.

 

Has anyone had HSBC pull their credit card account on them too?

 

:confused:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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no i dont think so, just current accounts have been closed, afaik

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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  • 2 weeks later...

I received a letter this morning from Colin Langdale offering me £1,950, along with the lineage of "...fees are clearly set in our published price list and personal banking terms blah blah...If your claim proceeded to Court, we therefore believe we would successfully resist any legal challenge in relation to these fees." The it goes on to say....

 

..."HSBC is, however, mindful of the management time and irrecoverable legal costs that it may incur in relation to such a claim. For this commercial reason alone, and without any admission of liability whatsoever, HSBC is prepared to make a payment to you for the sum of £1,950.00, representing the charges applied in full and final settlement of this matter."

 

It then asks me to sign and return one of 2 copies accepting the payment within 10 working days etc.

 

Firstly, i'm not accepting it and I intend to take them to court, but a couple of questions:

 

1. Can I input my MCOL now, bearing in mind, I posted the letter to them on the 7th and they received it on the 10th (just thinking about the 14 days...)?

 

2. Any thoughts on the correct wording to reply - ie..."I will accept this as part payment of the full amount blah blah...?

 

cheers!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Hello,

 

Can anyone help with my question above about the 14 day time frame forbefore submitting the MCOL?

 

ALSO...looking in FAQs, there's only limited info as to what to put in the wording on the MCOL - can anybody guide me please?

 

Ta :wink:

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

14 days from the 7th is the 21st which was Friday, so yes you can submit the claim!

 

There is a guide to completing Moneyclaim in the templates section but it is a guide, not a template so use that and adapt it to suit your needs.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks for that! MCOL done now - wish me luck!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

Hi people!

 

Quick update...got a letter today that was pp'd from Colin Langdale, following my request for the full amount of 2629.11 rather than the 1950.00 they were offering.

 

The letter says the usual bank waffle about "the bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable..." then more waffle about T'c and C's I agreed to.

 

The final bit says "...whilst I accept that this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank's position.." (terrible grammar!!) NOPE!!

 

"If you are not satisfield, refer to the Financial Ombudsman Service...blah blah...this represents our final response on this matter."

 

MCOL sorted already and let's see them in Court - i'm more than ready for the fight!

 

Grrrrrr - they make me so angry with their arrogance!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

they are hoping most will say ok the bank must be right and back off

THEY ARE SO VERY WRONG

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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I've also just seen the Working Lunch programme on BBC 2 on bank charges - WHAT A CRACKER!! Hooray for justice...! That lawyer from Which deserves a medal!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites
Hi people!

 

Quick update...got a letter today that was pp'd from Colin Langdale, following my request for the full amount of 2629.11 rather than the 1950.00 they were offering.

 

The letter says the usual bank waffle about "the bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable..." then more waffle about T'c and C's I agreed to.

 

The final bit says "...whilst I accept that this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank's position.." (terrible grammar!!) NOPE!!

 

"If you are not satisfield, refer to the Financial Ombudsman Service...blah blah...this represents our final response on this matter."

 

MCOL sorted already and let's see them in Court - i'm more than ready for the fight!

 

Grrrrrr - they make me so angry with their arrogance!

 

 

HI Les,

 

I'm in the same situation as yorself. Same sort of figures !!!

 

Just counting the days for court action. Quite annoying really, as they'd already made me an offer.

 

So i guess the 8% is now added at this stage as the courts are involved?

 

Not sure about yourself but, i ain't looking forward to this:???: :???:

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when was it on les

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Hi Angela,

 

Click on the link and go and see todays programme - you can skip to about a third of the way through - the piece is after all the Shares rundown.

 

BBC - BBC TWO - Working Lunch

 

:)

 

MEMORYMAN - stay strong!! We're British and people think we're pussycats because we're liberal and hate the confontational aspect of life. Perhaps that's why we're bloody pushovers!! No more eh!

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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omg thats amazing might be worth putting in its own thread i think alot of people would like to see that as this fight can be v downhartening just to show them they r right to fight

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Share on other sites

There is a subject thread dedicated to press coverage Angela

 

http://www.consumeractiongroup.co.uk/forum/bank-charges-print/19146-bbc-working-lunch.html

 

Hopefully it will get looked at - gives you bags of confidence to move forward.

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

Evening!

 

Just checked MCOL and defence is going in - is this a normal thing then?

 

If not, i'll just buy a new suit and brush up on the facts lol! ;)

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

dont worry you will prob receive a letter from the court on monday saying the bank have filed a defence, followed by another on tuesday from the solicitors offering full settlement, nearly there

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

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A letter arrived today asking me to provide a breakdown of the charges.

Done and sent recorded delivery (to make sure!) ;-)

 

See what happens now eh?

--------------------------------------------------------------

HSBC

Settled in FULL on 8/8/06 - £3619.53

:D

CAPITAL ONE

Settled in Full on 6/9/06 - £84.76

:D

ABBEY NATIONAL (Old N&P Mortgage)

Settled In Full on 2/3/07 - £307.13

:D

SPML

*Court Case Withdrawn - family illness*

MORTGAGES PLC

*Court Case Withdrawn - family illness*

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Share on other sites

from what ive read you will get an full refund next well done nearly there

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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