Jump to content
  • Tweets

  • Posts

    • Really its only been 6 years    Im pretty sure its safe to forget it now.   Andy
    • @Andyorchno I didn’t. It was actually my ex who sorted it. When  we split a year later he said he would carry on paying.  Next thing I know 3 years later they are threatening to take me to court and take the house leaving me and 5 kids homeless because he hadn’t been paying.   i gave them his details but because he never replied and was renting it was put all on me even though I never personally benefited from the money.   I will look into a SARS
    • This is what i sent but it only said a brief statement. The judge wants a better statement in the particulars like the defendants and the terms of the contract that I'm saying has been breached. claim 1.pdf
    • Well I've told you my view and I don't really know what else to say.   If you had insisted at the outset that there would be no delay or maybe only a week and that time was of the essence and that the contract will be treated as terminated then, then you would have been able to terminate the contract without any legal risk. As it is you have given the impression that you are prepared to wait until the 7th of December and I'm afraid that as you have suggested, they may well have started committing expenditure to the project and having parts manufactured so that if you suddenly give notice now they will quite rigid mostly say that they relied on you I'm because of that they started in currency expenses for which you should be liable.   You are in a good position because they have volunteered 7th of December deadline so it will not be possible for them to say that you insisted on it and prejudiced them. once the 7th of December deadline has passed then certainly you should wait the further 7  days and issue the claim if they have not reimbursed you because you will already have sent them your letter of claim.   I agree from what you say that as they have not got the necessary permissions etc it seems unlikely that they will be ready in time but I'm afraid that as frustrating as it might be I think that you are safest waiting until their own voluntarily expressed deadline expires.   I know that it may be inconvenient for you and you would rather it was out of the way but I'm trying to recommend to you the safest option which will give you the most powerful case if it goes to court. If it does go to the 14th of December and they haven't reimbursed you then suddenly you should begin your claim but also you can think about bringing in the credit card company and claiming it back. I would have thought it will be faster to issue the claim form.   Additionally if you claim your money back through the course you will be able to add 8% interest and also we can try to factor in any other additional expenses that you have incurred as a result of their breach.   I wouldn't say that the different advice you have received on this forum is conflicting. I would simply say that it may be different priorities have been called in and also the advice is coming in from a different angle.          
    • Did you ever set up on line with BH ? You can still access details through their portal.   https://www.blackhorse.co.uk/faqs   Andy
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Just a Quick Question

Please note that this topic has not had any new posts for the last 5206 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

Recommended Posts

Hi, I'm new here :)


I'm going to claim back the charges that HSBC have imposed on me over the last 6 years, and I have a quick question before I send off my SAR.


Do I send my £10 fee in cash, I couldn't see this anywhere in the FAQs. If I don't, whom do I make the cheque or P.O. payable to? I've always been wary about sending cash in the post in the past, but if I need to, then I will.



Link to post
Share on other sites

never ever send cash in the post, as it may well magically "disappear", send a cheque and make it payable to hsbc plc

  • Confused 2

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

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...