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    • Incidentally to answer your question about what should you do immediately, I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off.  
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
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HSB Charges


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when i claim for these charges...do i apply for interest on account too as they haven't put them down on list they have sent me

also looking back when i have talen loans oit with them going back to year 2001 and another 2002 a have paid for payment protection could i claim this back

by the way i have got more hours at work to improve my financial situation ..sooo glad!

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Well done on setting up the new bank account katylegs - :) they can't get your money if it's in another bank! :D

 

 

It does sound like their usual tactics before trying to get you on a ML :eek:

 

"We can't give you this loan you're asking for , but there is another one you can have..........." - Resist with all your might - it's daylight robbery!

when i claim for these charges...do i apply for interest on account too as they haven't put them down on list they have sent me

also looking back when i have talen loans oit with them going back to year 2001 and another 2002 a have paid for payment protection could i claim this back

by the way i have got more hours at work to improve my financial situation ..sooo glad!

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when i claim for these charges...do i apply for interest on account too as they haven't put them down on list they have sent me

also looking back when i have talen loans oit with them going back to year 2001 and another 2002 a have paid for payment protection could i claim this back

by the way i have got more hours at work to improve my financial situation ..sooo glad!

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also looking back when i have talen loans oit with them going back to year 2001 and another 2002 a have paid for payment protection could i claim this back

 

Yes you can if you think it was mis-sold katylegs - have alook at this link , then go to the PPI forum on here - there are people on there who will give you good advice

 

Reclaiming PPI

http://www.consumerwiki.co.uk/index.php/PPI

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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ok will do tomox thanks

up late trying to sort out theses charges

but can i claim from the bank

1) interest charges

2) card misuse about £20

3) unpaid item £30

4)standing order charges £25/30

5) temp limit fees £20

6) Dr £10

 

just so i know what to claim

sorry!!

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Yes you can if you think it was mis-sold katylegs - have alook at this link , then go to the PPI forum on here - there are people on there who will give you good advice

 

Reclaiming PPI

http://www.consumerwiki.co.uk/index.php/PPI

ok will do tomox thanks

up late trying to sort out theses charges

but can i claim from the bank

1) interest charges

2) card misuse about £20

3) unpaid item £30

4)standing order charges £25/30

5) temp limit fees £20

6) Dr £10

 

just so i know what to claim

sorry!!

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Yes you can if you think it was mis-sold katylegs - have alook at this link , then go to the PPI forum on here - there are people on there who will give you good advice

 

Reclaiming PPI

http://www.consumerwiki.co.uk/index.php/PPI

Hello Katy, that's good advice from JM ... here's the link to the PPI forum where you can start a new thread for your PPI claim(s): Payment Protection Insurance (PPI) Claims

 

ok will do tomox thanks

up late trying to sort out theses charges

but can i claim from the bank

1) interest charges

2) card misuse about £20

3) unpaid item £30

4)standing order charges £25/30

5) temp limit fees £20

6) Dr £10

 

just so i know what to claim

sorry!!

Your bank charges are a separate issue. In the past I would have said put all your claims together, however, in the light of my recent experience of amalgamating a PPI claim with charges, I am of the opinion that a PPI claim may be better off standing alone.

 

Hope this helps for the mo ... :)

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PB is right KL , - because the PPI mis-selling is not part of the OFT Test Case , you're better claiming everything separately..... banks are paying out on PPI refunds ..............:)

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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PB is right KL , - because the PPI mis-selling is not part of the OFT Test Case , you're better claiming everything separately..... banks are paying out on PPI refunds ..............:)

 

 

can i claim for yrs 2001 2002 or is it too late?

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sorry i don't understand?

up late trying to sort out theses charges...

can i claim for these with my

claim fof the bank charges

(will do my personal protection on loans claims seperatly)

1) interest charges

2) card misuse about £20

3) unpaid item £30

4)standing order charges £25/30

5) temp limit fees £20

6) Dr £10

 

just so i know what to claim

sorry!!

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Ok Katylegs - hope you're feeling better today........:)

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=6

 

When you're in doubt,by all means come and ask - but a lot of the answers are at your fingertips in the FAQs...........

 

Stick with it - you'll get there.....:)

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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then do i just add on 8% interest to thw whole claim

 

The Interest section only becomes active when you get your claim to court Katylegs - the amount you notify the bank of when sending prelim letter and LBA should not include this...... only print part of the spreadsheet, without the interest column......

 

can i claim for yrs 2001 2002 or is it too late?

You can comfortably claim 6 years back , KL - to October 2002...others have tried going further back with varying degrees of success ........

Edited by johnnymitch

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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in answer to your question on another thread - here is a link for the answer Charges description on statements - Please Read

 

ask away if you still have questions. the banks make it so awkward by calling their fees by many different names. it's just a way of making it sound like they are justified - but as we always say - if it looks like a dog, barks like a dog and bites like a dog - it's a bank charge!

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Snap , latty - I think you'll find that link is much the same as the one I posted earlier ....... :Dnot often I get one up on you eh?

 

Great to see you posting again .........

Nemo me impune lacessit

 

 

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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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AH here's katy's thread,,, quick copy and paste :D

 

I'm assuming this is a credit card, if so....

 

 

1) interest charges yes a proportion that applies to the charges you are claiming back but not if they apply to the whole balance of your account.

2) card misuse about £20 yes

3) unpaid item £30 yes

4)standing order charges £25/30 yes if this is a returned item charge

5) temp limit fees £20 yes

6) Dr £10 yes

 

then do i just add on 8% interest to thw whole claim only after you file your claim with the County Court

 

just so i know what to claim

sorry!!

 

hope that helps

 

pete

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returned direct debits,

card mis-use,

unpaid standing order,

unpaid item,

exceeding your overdraft,

overdraft interest (see below),

total charges (see below)

notifed fees

Unauthorised overdraft arrangement fees

(more will be added as and when confirmation is found)

 

you can not claim for:

 

ATM (cash machine) usage (typically £1),

an agreed overdraft fee,

anything which is deemed a "service" by the bank

(more will be added as and when confirmation is found)

 

 

Overdraft interest

 

This is the single most confusing part of most peoples claim, and one of the most frequently asked questions

 

overdraft interest is applied to your whole overdraft, however if some of your overdraft is made up from (unlawfull) charges,

then a proportion of the interest has been wrongly applied and is therefore reclaimable

 

Example

 

you have a £400 overdraft, you purchase something that day for £200 so now you are -£200 on your current account balance, but on the same day £200 of charges are placed on your account, which means that your current account balance is now -£400 and the bank will charge interest on the whole £400, but as we are contesting that these charges are unlawfull, then the interest should not be placed on the whole amount, only on the amount that you have actually spent,

therefore in this example you can claim back 50% of the interest, however these calculations have to be done daily to truly reflect the amount which can be reclaimed,

 

Dont worry, Vampiress has made a spreadsheet that will calculate this for you, you can find it here, but please read the instructions that come with it;

 

Overdraft interest calculator thread

 

Total charges (HSBC)

 

Again this is another issue which many people aren't sure about,

 

total charges are reclaimable, they are a seperate issue to the other afore mentioned charges (card mis-use, returned d-d's etc), and are not simply all of these charges added together each month. so they are also claimable on top of the other charges

 

"total charges" also listed as notified fees refers to the charge they put on your account for going over your overdraft limit, this charge is calculated daily, and they can charge up to a maximum of £125 in one month for this, it is then debited from your account on a set date every month

 

 

 

Important!

For buisness accounts ONLY the "total charges" include a combination of reclaimable and genuine charges, and you will need a breakdown to exactly know what proportion of "total charges" are unlawful.

__________________

HSBC- £4995, settled payment in full

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

 

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

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

Last edited by Rooster-UK; 25th May 2008 at 19:59. Reason: Addition.. thanks freaky

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Popping in my bank charges today!!!

can you help me with this one

how far back can you claim a refund for P/P cover on a loan

i've had approx five loans with HSBC since year 2001

with p/p cover paid up front

i.e 2001 loan p/p

2002 paid off loan with another from them p/p paid again

and so on....

how can i get all this information together

also i was not asked if i would want to pay i monthly did not know that was an option

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