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    • The questionable service from the surgery you mention TJ could do with their methods being passed onto the Care Quality Commission and PALS.    Watching Panorama this week the shared ownership scheme needs a serious review to ensure the system helps people not hinder. There must also be developments in the shared ownership scheme with unsafe cladding compounding the terrible financial situation the developers and landlords have put people in.   From the Grenfell enquiry, to me the cladding was mis sold as being entirely inflammable and wondered if the process of fitting the cladding, the council also had the responsibility of conducting their own fire tests. In addition to those thoughts, I'm sure the fire service and resident associations made in clear over time for Grenfell and other developments in the UK buildings did not comply to stringent fire and safety regulations.
    • Good morning.    I would like some advice please.    I recently (19th nov) bought a Samsung Galaxy S20+ from currys. I did open and set up the phone to try it out but 1) wasn’t keen on it and 2) had trouble with the usb connection when trying to connect with my car stereo.   I decided that I would seek to return it, but only on trying to return it came across the stipulation that if data/software has been installed then a refund would not be issued and after calling was told this was due to GDPR. I did point out to them that phone providers will issue full refunds even if the phone has been set-up and also that in order to be able to test the phone it requires setting up and software/data being installed but was told that it’s their policy.   I acknowledge that I may have handled it more than is reasonable in a shop as you wouldn’t be able to install software in a store, however the phone did need to be set up in order to test it, the phone has been returned back to factory settings and didn’t leave a case or the plastic film for the two days I used it for. Therefore I do not believe it was handled more than necessary.   Having looked at the CCR and CRA I called back to state that their store policy is super erred by the previously mentioned regulations and that their policy contradicts the Consumer Regulations Act.   As you cannot properly test the phone without having to install software on it, their policy creates an unfair term which I told the customer service agent over the phone who spoke to her manager and told me to contact their legal department.   I am still within the 14 day notice of return period so wish to try and preferable use this route.   Any advice at all please?
    • Here is all the details (hopefully) in one post.   The Ford Kuga was purchased from Fast Motor Finance LTD Crawley on 8th September 20 Mileage at purchase was 109520 through HP fiancé via Advance Finance Grimsby   The car was covered by a 6 month warranty that includes engine & gearbox but excludes clutches, flywheels or any wear & tear (Taken from the garages website)    Service History:   08-04-2013 Pre-delivery Inspection 26-11-2013 12809 Service (no paperwork just stamped book) 09-07-2014 25963 Service (no paperwork just stamped book) 09-02-2015 36814 Service (first Invoiced service but no paperwork just stamped book). Gearbox service would of probably been done here but can't verify. 16-02-2016 50385 Service  (Full service, paperwork and stamped book) 31-03-2017 64680 Service (Full Service, paperwork & stamped book) 13-02-2018 76988 Service ( Full service with gearbox service, paperwork & book stamp) 29-03-2019 92592 Service (Full service with paperwork & book stamp) 11-02-2020 106322 Service (Basic Service, no paperwork but book stamp)   As there was no paperwork for last service the garage which serviced the car were able to email over that the service was a basic oil & water change and that the gearbox oil and filters was not changed.   At the beginning of November the gearbox started making some noise and was having trouble selecting gear.   The finance company  asked for the car to be taken to a VAT registered garage to find out what the problem was and not to drive it further.   After the garage looked at the car the estimate was for a full service of the gearbox which would be £370 but because it had gone over Ford recommended mileage for the gearbox there would be no guarantee this would clear the problem and that would mean a replacement gearbox would be needed.   Since picking the car up in September the car has driven 1500 miles.   Spoke to the garage as was informed that the car was over 30 days old and there was nothing they could do and the gearbox would not be covered by the warranty as this would be normal wear and tear!   The warranty company said exactly the same and would not entertain us.   After countless calls and emails to Advantage finance a formal complaint was raised and they finally agreed to send one of their mechanics to inspect the car last week 19th November. The mechanics ahs reported back to Advantage that the noise is down to wear and tear and Advantage have closed the complaint and are sending out a deadlock letter that includes a copy of the mechanics report.   Would their mechanic have to be DEKRA registered to complete the report or Advance Finance own mechanic?   This now means that the car cannot be driven is still at the garage and will need a minimum of £370 to make it driveable on a car that has been driven 1500 miles since collection without a guarantee that this will cure the problem.   We are both key workers that need the car to travel to and from work as well as take our son to nursery, and at the moment having to rely of friends and family to help out with lifts.   I have spoken to Ford and they have told me these car need to have the gearbox serviced at around 35k and at a very maximum of 37.5k and have put this on letterheaded paper, I have also emailed a couple of other Ford and independent dealers to get details of this as well.   Would it be worth getting an AA or RAC inspection done to check the gearbox and to see if there is any other problems with the car.   Thanks again to everyone epically dx & Bank fodder who have helped me with advice.   JJ    
    • nothing they can do anyway so..   dx
    • I've successfully had a Claim discontinued using the exact stages recommended by Andy and DX. They are outstanding individuals in the fight against these dreadful DCA's! Good luck.   'L' will likely pull out at the eleventh hour but mean time try to fob you off with bank giro slip copies as Contract proof lol. Stand your ground!   Also my Letter Before Action actually came AFTER the  Money claim. They can't even get the pre-action protocol right.   Another thing they tried was pretending to send papers that looked like they were from the court for me to sign re: Claims Track.. Boxes had been pre-checked by them to dupe me into signing their preferred action. I printed out my own and sent those to the court instead. 
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Jimbos Vers. HSBC


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Hello all,

I was put onto you by a friend who got a payout from HSBC (£1650 of £1890 - unreal..). At first I was sceptical but upon investigation I am now a believer! I knew I was poor at managing money but after looking into my accounts I find I have paid £3829 in Charges since Aug 04!!!!

The level of charges made by HSBC is staggering, so now I have composed my Preliminary letter and will be delivering it to the bank by hand today.. I look forward to hearing there response and I will keep you posted. Just want to say thank you for giving us all the chance to try and strike back at the banks, if I win I will be giving back.. Jimbos...:)

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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Good luck with your claim - make sure you get a receipt from the person you hand it to - then they can't claim they didn't receive it!!

Dani

 

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Good luck and keep at them. I had to keep phoning to get a response apart from, yes I see your letter on the system and no, dont know when we will sort it out!!! Customer services put a note to the investigating team to tell them to hurry up.

Pre-Lim letter sent 28 June 2006- received 4th July 2006.

 

18 July 2006- offer of £594.86 (which includes charges they are going to take from me mid next month)

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  • 2 weeks later...

:cool: Evening all,

 

No word from the mighty HSBC in relation to the prelim letter I sent 17/07.

 

Interesting that they have responded to the S.A.R - (Subject Access Request) letter I sent before realising that I had the data going back to 2004 online, I used this to put together the prelim letter.. Hope ive not confused them by askin for data then a refund before receiving the data. I have just put together the LBA, will be posting on Monday. The letter had a intersting note in relation to the manual intervention required:

 

Although many of our systems are automated, a "manual intervention" by HSBC staff may be required in a varity of situations including; account opening, dealing with correspondance or telephone calls,, when deposits or withdrawals are made over the counter at our branches and from time to time during account administration.

 

Do you think they are lining up for a get out clause or did they actually read the SAR letter..?

 

Getting twitchy now, I read that HSBC are closing accounts of people making multiple claims against them. I only need the one, although it is for two account numbers.. Should I have seperated the refund requests?

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 ;)

RBOS SAR sent 12/07/06 :cool:

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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dont worry about confusing them, they will know whats coming anyway, the wording that you quoted is standard waffle, they have tp put this out to make it appear that everything is legitimate, and also to try and dissuade you, but you know better ;) ,

 

yes hsbc have closed accounts down, but only as far as im aware for those that claim twice, dont seperate the refund requests unlesss the amount goes over £5k

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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dont worry about the manuel intervetion bit , they sent me exactly the same. they then offered a subtanial amount as full and final settlement at the prelim letter stage, which i have accepted as part payment only, and i am pushing on with claim for full amount, but as yet had no reply.

good luck with your claim; dont let them put you off

:mad:LF53
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  • 2 weeks later...

So, following the LBA I receive a offer of £1996 (Half the requested)... nice to know that I have reached someone, tempting also I must say.

 

Question:

 

Deadline for LBA is Tuesday next week, Do I have to reply to the offer or can I just disregard it and go to MCOL? by the time the letter gets to them it will be time to claim anyway, I don't want to hold the process up.

 

Its inspiring reading the threads of the people that have taken the process all the way, I only hope I can emulate them...

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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they offered me 1995 against 2700 at prelim stage, it was tempting, but i replyed with lba saying i would accept it as part settlement. i then recieved a reply basisally saying bog off. claim being filed at court on monday, and the amount has now risen to 3450.

if u want to accept it good luck and well done, if not, wait till you send lba and say you will accept it as part settlement only, then wait for there responce,

good luck either way kevluff

:mad:LF53
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sorry, just noticed they made offer at lba stage, so just write back with your decision one way or another, and see what there reply is,and take it from there. i was being a bit hopeful and thought they might stump up the whole amount, it turned out i was being a bit naive, so as i said before off to court tommorow

:mad:LF53
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Both letters have been addressed to the manager at the local branch, Looks like the internal mail sorted it out...

I don't know whether to bother replying to the offer though..

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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Right, MCOL filed Tuesday... the waiting game beings again. Feel like Im doing something wrong though, no responses as yet.

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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  • 4 weeks later...

DG Soliciters asked for the claim details on Friday last week, sent off the breakdown over the weekend. The MCOL runs out this week so i'm sure that I will hear something soon, the waiting is killing me though.

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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  • 7 months later...

I haven't posted for what feels like forever, but I got £4.5k out of them for this and went on to get RBS for £3.3k too. As allways follow the procedure and get your facts right and the charges will be refunded eventually. Justa note to all out there who doubt their ability to carry it through, this site and the people who post must be the most knowedgable and genuine bunch I have ever heard of. If you have a problem, if no one else can help, and if you can find them, maybe you can hire the CAG -Team."

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. See you in Court!

MCOL Filed 15/08/06 :)

DG response asking for info 8/9/06

 

RBOS S.A.R - (Subject Access Request) sent 12/07/06 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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LOL class :)

 

Cue music....

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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