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    • thank you. Under the Consumer Rights Act you are entitled to have a vehicle of satisfactory quality.   If a defect appears within the first 6 months of ownership which means that the car is not satisfactory then you are required to give the dealer a single opportunity to repair or else refund you.   So the question is what condition would a car of that make model, age and mileage and price be in.   I think the best way forward is to raise the issue with the dealer but also start to make your own researches as to whether the rust damage to this vehicle is beyond what would be expected of a vehicle of that character and in those circumstances.   When you have discovered. then come back here.   Additionally, you haven't told us the cost of the vehicle. that would be helpful to know because it will affect the quality of vehicle that you would reasonably expect.   Also I asked you the name of the dealer and you haven't told us. Are you trying to protect them?                
    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
    • Hi thanks for replying, The car was registered in 2009 ½, as I said a 59 plate. Mileage, when I got it it had circa 45K miles, it now has circa 72K miles. I have had it for 3 years almost to the month. I got it from a dealership in Loughborough, on the selling point that it was low mileage and was dealership serviced. Shortly after my return home to Southampton, I took it into my local dealership for a once over, part of which entailed one of their mechanics sitting with me while I drove around locally. I wanted them to take over looking after the car for me. Hope this helps?
    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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Final Response from HSBC- Help Please


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Hi,

 

I've gone through the process of requesting statement, using the spreadsheet, sending of my letter of claim, and sending a LBA, i have now had the final reposnse from HSBC which reads as follows:

 

Thanks for letter dated xxxx re charges of £3514

 

the bank does not agree with your contention that the charges that have been imposed consitute a penaltyand are therefore enforceable. The contract between the bank and its customers is goverened by our personal banking T & C. In respect of overdrafts, i would refer you sopecifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us lead to your account going overdrawn, the bank considers whether or not to make this payment and a fee is payable for this serivce.

 

Our fees are stated are clearly stated in our published price list etc etc etc

 

if you not happy complain to the financial obudsman.

 

HSBC

 

 

Firstly, has anyone else had this reply before, and what should i do next. Is it time to issue the proceedings, and have i done it right up to now.

 

Please help, as i need to claim this money back, as HSBC have mad emy life a misery over the past 6 years.

 

Thanks in advance- Rich

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Thats a standard letter, just stick to your timetable and plough on you will be fine.

HSBC

Prelim sent 1st aug

LBA sent 15th aug

MCOL issued 31st aug

offer recieved and rejected 5 sept

second offer recieved 3rd oct

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i got the exact same letter last week dont worry keep going its to make you feel that they are in the right THEY ARENT

WHEN THE WORLD GETS IN MY FACE I SAY HAVE A NICE DAY :lol:

 

MY SUCCESSESS

HSBC £5,735.35 :D

MUM IN LAW £2112.00 WIN FROM HALIFAX :grin:

MUM £3580.00 WIN FROM NatWest :grin:

AUNTIE 2 NATWEST WINS £1865.00 AND £2541.00

EQUITA BAILIFFS £293.00 REFUND :grin:

MBNA £871.16 WON WITH CI AT 24.49%

WELCOME FINANCE CHARGES £600 APPROX didnt even need letter lol

CAP ONE WON WITH CI AT 29.9% £994.26

 

CLAIMS ON THE GO AT MO

mbna ppi

NatWest cc at mcol (ppi next)

welcome ppi

first response charges

 

IF I HAVE HELPED IN ANY WAY HIT THE SCALES IN BOTTOM LEFT CORNER THANK YOU ;)

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Thanks for that. Love going on these threads as so many people are so angry with banks. I must admit, can't see the sense in them rejecting my claim, as the amount will now rise to £4,500. Good commercial decision.

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Another Question for someone that knows.

 

Assuming HSBC enter a defence, what will happen next, will i have to go to court, as a friend of mine, who i'm helping with their claim, has been given a court date as Lloyds TSB have entered a defence.

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no-one has actually got to court yet, its their last tactic to dissuade you and make you get cold feet and give up, dont worry

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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Don't worry, you'll be fine. I could always arrange a coach and then a group of us could come with you for support. You'll have plenty of people to buy a celebratory drink for after at the pub then won't you!

 

besides, there's more chance of my husband buying me flowers than you having to actually go to court and believe me......that WILL NEVER happen!:D

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He he, like your response.

 

HSBC have ackowleged my claim, so according to other similar cases, i should get an offer soon, and then i'll buy you some flowers :grin:

 

If it makes it to court, you can all come down to Leicester to stand in my corner, and of course, drinks will be on me if i suceed. Fingers crossed.

 

Rich

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adding on to the bit about your friends claim with LTSB, they will more than likely pay up before the actual date. That's just another stalling tactic. The chances of LSTB actually letting the claim go that far are very slim indeed.

 

You will be fine :)

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