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    • I'm afraid these kinds of stories are all too common with this company. The impression is that they're not too interested in installing and maintaining heating systems – but rather the finance behind it. Did you do this on some kind of finance agreement? Was it secured on your property? You seem to be doing everything on the telephone – and I think it's about time you started establishing a paper trail. You may end up having to arrange your own service with their authorised installer and if that doesn't happen then you may end up having to get in your own repair person. Of course ASG will then say that you are in breach of their warranty et cetera and that they are entitled to recover all their money back. You will have to show that you are a paper trail in them on notice and that they're not responding and then eventually you had to take matters in your own hands and organise your own repair – for which you would be going to them for reimbursement and also you would have to establish that you had no choice and they are fully liable – including the not allowed to dishonour a warranty. I'm afraid the stories we are getting about this company are dreadful and frankly very distressing
    • i don't think the matter of you were told the Decreasing Term Assurance was compulsory makes any difference, it doesn't detract from the fact the FOS appear to agree that disp does apply and you are out of time .   i don't think there is any harm going to the FOS with it..BUT although, and this twigged my memory about DISP ( which didn't exist then) but the ABI code did, and i believe that doesn't cover your situation, i'e , the fact it was made compulsory is not against any guidelines that were around at the time.   you could drill down on the ABI coding and see what it advised about lenders making DTA compulsory, but sure as eggs is eggs, by 2005, when disp had arrived..all lenders were forced or had stopped long before making any type of life cover compulsory. so they knew their mis-selling of such was on the cards   Critical illness cover (financial-ombudsman.org.uk)  
    • Or try email request.   [email protected] Request for copy of Judgment Copy Judgment [email protected] General correspondence
    • I've just tried to ring. Number 67 in the queue. I'm guessing it's better to call earlier in the day!
    • This stuff really makes me angry, the likes of Step Change masquerade as help, but in reality are locking you in to perpetual debt, that you would be far better off simply ignoring.   Stuff 'em and stop paying, it's long gone off your credit file and invisible to any mortgage lenders.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • 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

6 Years Statments Available on Line


Please note that this topic has not had any new posts for the last 5455 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.

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Thank you

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I have read a lot of posts which state that HSBC have 40 days to send statements under the DPA. If you register for online banking with HSBC you can view and print statements dating back 6 years. As a result I know exactly how much I will be claiming and I won't be fobbed off for 40 days. :D:D

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PLEASE START YOUR OWN THREAD, YOU'RE HIJACKING SOMEONES ELSE'S.

 

 

Hi,

 

Following the exposure of Bank Action Group through the MSE site this week, I have decided to give it a go myself.

 

I am an HSBC customer, Adam.

 

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Please note, had you read through previous posts of the HSBC section, or even looked at the titles, you would notice that the 'all HSBC statements are free online' comment has been posted numerous times already.

 

the 40 days under the DPA does work, but in my opinion 40 days in a long time to wait, I got my statements free and online in a few hours. It does depend on your personal situation and preferences.

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I have read a lot of posts which state that HSBC have 40 days to send statements under the DPA. If you register for online banking with HSBC you can view and print statements dating back 6 years. As a result I know exactly how much I will be claiming and I won't be fobbed off for 40 days. :D:D

 

The purpose of making a request under the DPA is, apart from getting copy statements, that you ask for details of manual intervention in these charges.

 

"Manual Intervention" seems to be the banks latest excuse for high charges.

Use the specimen letter in the library.

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.

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It seems to be the etiquette of this forum, please respect that.

 

In this case, IMO, there is no problem, but if it is a thread about someone's case going further, then it would be a problem.

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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Most of the users here get direct assistance and oversight from the organisers and owners of the forum.

 

It creates considerable extra effort to have to disentwine concurrent stories which are proceeding within the same thread. It also makes it difficult for the thread-owner to understand whether advice which is being given relates to their problem or the problem of the hijacker.

Others who are attempting to follow a thread are also more likely to become confused.

 

If you feel that you are unable to accept the custom and practice of this forum then you might find http://www.bankchargeshell.co.uk more to your liking.

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Hi Bank Fodder,

 

Clearly the forum is moderated as my previous two posts have now disappeared.

 

I can fully understand and accept the customs, and your explanation that some threads are effectively two-way conversations clarifies a point and is understandable.

 

In the future I will create my own threads whenever I wish to post, and will refrain from replying to other threads, even when my reply would be clearly relevant, as I believed to be the case here. I do not wish to see huge, bold, red comments again.

 

Regards,

Adam.

 

To see the steps I took to recover unfair bank charges with the help of Consumer Action Group, please read my thread Spiceskull v HSBC.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Thank you

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  • 2 weeks later...
PLEASE START YOUR OWN THREAD, YOU'RE HIJACKING SOMEONES ELSE'S.

 

 

Hi,

 

Following the exposure of Bank Action Group through the MSE site this week, I have decided to give it a go myself.

 

I am an HSBC customer, Adam.

 

Where is this other highjacked thread ?

IT IS MINE !!!!!!!!

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  • 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

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Please note that this topic has not had any new posts for the last 5455 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

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