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    • No need to apologise! I am extremely grateful for both your help   Gosh very good attention to detail going on here   Great thank you, i will put them back as below   Good evening to you   DEFENCE   1.     The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.     2.     Paragraph 1 is noted. It is accepted I have in the past had agreements with Lloyds TSB. I do not recall the precise details or agreement nor the claimant either, having failed to provide an agreement/account number within its particulars of claim and have therefore sought verification from the claimant.   3.     Paragraph 2 is noted but until such time the claimant can clarify the agreement account number any breach has yet to be proven.      4.     I am unaware of any legal assignment or Notice of Assignment allegedly served by either the Claimant or Lloyds TSB pursuant to the Law of Property Act 1925.   5. Paragraph 3 is denied. I am unaware of any Notice of default served.   6.     It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of the Agreement/Assignment/Default notice or Termination requested by CPR 31. 14.    Therefore the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement ; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence a Default Notice /Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7.     As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8.     On the 5th of January 2022 I requested to The Claimants Solicitors, Mortimer Clarke by way of a CPR 31.14 copies of the documents referred to within the Claimants particulars to establish what the claim is for. Mortimer Clarke have failed to fulfil my CPR 31:14 request.   9.     On the 5th of January 2022 I made a section 78 legal request to the claimant for a copy of the Consumer Credit Agreement. The claimant has as of 27/01/22 failed to comply.   10.  By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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HSBC Behaviour score


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I believe that HSBC keeps a monthly updated behaviour score on its customers which allows them to easily decide who to sell other products to.

 

I wonder if anybody knows if people with only a basic account have this score?

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I believe that HSBC keeps a monthly updated behaviour score on its customers which allows them to easily decide who to sell other products to.

 

I wonder if anybody knows if people with only a basic account have this score?

 

Yes HSBC does keep a behaviour score, from 1 - 100. Usually you need between 40-49 to get a bank account with them.

 

However basic bank accounts at HSBC do not contribute to any score as a BBA is not credit related.

 

For full details, and ways to beat the system etc -

 

Official Proof of Behaviour Score: Are they doing a number on you? | Money | The Guardian

 

Link to forum: HSBC Behaviour score - MoneySavingExpert.com Forums

 

Hope the above helps..... :)

SilverLining.....

There is always light at the end of the tunnel - we just have to beat the CRA's in order to see it...

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Who knows what records a bank keeps regarding their customers, I'm sure that if HSBC does keep a "league table" of its clients you would never be able to prove it :rolleyes:.

 

pete

 

No - just ring them and ask! Lloyds, Barclays, Hbos & HSBC all use them. Only difference is that people know about Lloyds & HSBC because they will tell you in branch if you ask! See here: Are they doing a number on you? | Money | The Guardian

SilverLining.....

There is always light at the end of the tunnel - we just have to beat the CRA's in order to see it...

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Quote from The Guardian Website:

 

What does your bank really think of you? Research by Guardian Money has uncovered scoring systems that rank every customer at Lloyds TSB on a scale of one to nine, and at HSBC on a scale of one to 100.

At a Lloyds TSB branch, as soon as the cashier has your account number and sort code, he or she will be able to see your "risk band" score. This (separate from a credit-rating agency score) tells the cashier that the customer is in one of nine bands - influencing the decisions and actions the cashier will take. A customer rated as a number one is top-notch; usually someone with a long history at the bank, who has no record of bounced direct debits or returned cheques, and who never exceeds their authorised overdraft limit.

Customers slip down the rankings if they mismanage their accounts. Persistent cheque bouncers - often college students with only a short history at the bank - are likely to find themselves labelled as seven, eight or even nine. A low score makes it much tougher for customers to obtain extensions to their overdraft, and if they want a loan, they will receive a less attractive interest rate.

HSBC is understood to run a "behavioural score" of between one and 100, plus a star system, where customers are rated from one star through to five stars. The ratings do not appear on bank statements or in other communications to customers.

Guardian Money tested several branches of Lloyds TSB. In each, counter staff were reluctant to tell the customer their score. In one north London branch, the cashier said she could not give out the number, and ushered the customer into a separate office. He was told he was a number two, which meant he could obtain preferential rates on loans and other services.

None of our mystery shoppers was ranked a number one by the bank, but neither did we find any sevens, eights or nines. Most scores were bunched around two, three and four.

A Lloyds TSB spokesman said: "We do have a customer segmentation system, called risk banding. It's for internal use only. It is drawn from a range of information we hold on the customer. It is not an external credit rating, and it does assist us in our decision making."

HSBC said it would not disclose details of its behavioural scoring.

Like other banks we spoke to, Lloyds TSB insisted that the existence of the scores makes no difference to the quality of service it offers customers. It said the score moves up and down according to how the customer is using their account. "If you were a three, four or five and, because of a holiday, things went awry, you can always get back on track."

Customers cannot challenge their score - Lloyds TSB says it is automatically generated. The only way to move up the ladder is to change behaviour.

NatWest uses a combination of scoring techniques. It says these are "commercially sensitive" and only used in conjunction with external credit- rating agencies to determine suitability for lending. Barclays says it has customer profile scores, but these cannot be seen by front-line staff at branches. A spokeswoman said: "It wouldn't be right for any Tom, Dick or Harry in the branch to be able to access such information."

If you want to find out your bank score, the simplest thing is to just ask the cashier. If your request is denied, you can write to the bank requesting a copy of information held on computer records under the Data Protection Act, known as a "subject access request".

SilverLining.....

There is always light at the end of the tunnel - we just have to beat the CRA's in order to see it...

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Most enlightening Silver Lining :) thanks for that......

 

btw

If your request is denied, you can write to the bank requesting a copy of information held on computer records under the Data Protection Act, known as a "subject access request".

 

I how many people who have had a Subject Access Request done have had their 'Bank Score' included in it ? lol!

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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Most enlightening Silver Lining :) thanks for that......

 

Agreed I've learned something new :)

 

btw

 

I how many people who have had a Subject Access Request done have had their 'Bank Score' included in it ? lol!

 

I think by the time most people find CAG we can guess pretty accurately what the bank think of them :-| and what they think of HSBC :D

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I shall try this the next time I visit my various banks.

 

I think we should be scoring them on their behaviour actually. What's good for the goose etc:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Well I have the first candidate and its an HSBC company :rolleyes: the first bank to publicly walk away from the banking code :cool:

 

Union anger at Bank withdrawal from UK banking code

 

I wonder how long it will be until the HSBC gods in Hong Kong and Singapore pull the rest of the bank away from the banking code and if the Government will have the guts to make the banking code statutory law in the UK :-|

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Well at least they have owned up to it. The rest of the banks seem to think they are beyond the law anyway.:mad:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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If they're walking away from the banking code it needs to be shouted from the rooftops so that customers will walk away from this unscrupulous shower ........ :mad:.

 

I take it the regulators and government are doing the usual Pontius Pilate act on this ........... :rolleyes:

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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