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    • Am I able to upload it like the earlier ones today? It seems to be easiest way for me to do it on my fone 
    • nothing to do with any warranty or guarantee nor T&C's. and nothing to do with where you kept nor used it.   under the Consumer rights act you are entitled for upto 6yrs to have an item that is fit for purpose.   your item has failed within 6mts so under the CRA it is the retailer responsibility to inspect it and have ONE chance to repair it .. no quibble.   sadly as you purchased the item through paypal with your credit card i don't think you have any rights that way under section 75 of the consumer rights act.   @BankFodder will be around AM to help with how to move you forward possibly by a formal letter but safe to say Sweatband.com are taking you for a fool.
    • It is residential. Not long been self employed, and in between been employed.   Everything was set up by dd. BT even let them upgrade the Internet 2 months ago, but did not refuse on basis bill not paid. No letters, nothing and normally would cut you off after not paying for a month.   Yes they should check outgoings, but young couple, and everything by DD.  They obviously realised they made a mistake by halfing it. Just wanted advice really    I would also like to point out they are very financially aware, he earns good money, just didn't spot it wasn't coming out, nothing alerted him to the fact it wasn't 
    • £800 for one year?? what planet are you on?   i will guess this is residential Broadband not a business A/C?   however i do find it a bit strange that a self employer person does know when or not money is going out of your A/C one month maybe, but to not spot 12mts of not seeing a BB bill smacks of poor financial awareness..    
    • As when he served as vice-president, Joe Biden is on an economic rescue mission. View the full article
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Maejic v HSBC


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Hello Everyone,

 

I feel it time to ask a little advice!

 

So far i have sent data protection request letter on the 12/5/06, it took them 3 week to reply; but then only a few days to send out my bank statements. Low and behold the cheeky beggers had only pilfered £2441.50 plus interest, totalling £2579.29 out of my account over the last 6 years and no doubt, a bit more before this time. Well needless to say i sent off my request for repayment with charges breakdown, dated 20/06/06. Well finally today, i got a reply to my request for repayment; from a Mr Colin Langdale, who i might add seems to pop up quite a lot on this forum. In between this time i gave them the standard 14 days to rply, then sent my LBA dated 4/7/06.

Anyways the response from Colin langdale was as follows....

 

"The bank does not agree with your contention that the charges have been imposed constitute a penalty and are therefore unenforceable. The contract between the bank and its customers is governed by our personal banking terms and conditions. In respect of overdrafts, i would refer you specifically to clause 7.11 in section 2. If you authorise a payment that would, if meet by us, lead your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service.

Our fees and charges are clearly stated in our pricelist and the circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with when you opened your account.

Whilst i accept that this letter will not provide the response that you hoped for, i trust i have been able to clarify the banks position. If you are not satisfied with the banks response you should now refer your complaint to the financial ombudsman service, as this represents our final response on this matter."

 

Now is this a standard letter, some sort of bluffing/time wasting technique on their part, which i should ignore and stick to my guns and fill in my moneyclaim form, or should i be worried???:confused:

 

Has anyone else received a similar letter? any advise would be gratefully received.

 

Paul

master of disaster.:lol:

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i received exactly the same response, dont worry, its just a standard letter, continue with your timetable

HSBC- £4995, settled payment in full

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

 

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

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