Jump to content

  • Tweets

  • Posts

    • Hmm, that is a challenge, my computer ability is limited to copy and paste, which I have included below. Is it very important? I can try and find out but I have the email reply and that is all, sorry   Friday, October 23, 2020 5:28:53 PM To: enquiries@idealwindowsolutions.co.uk <enquiries@idealwindowsolutions.co.uk> Subject: Order cancellation RF14127D   Dear Ideal Window Solutions,   On the 11 of June I signed a contract with you to deliver and install double glazed windows. I was promised to get it done within 8 weeks. The timing was very important to me, I made it very clear to you, and this was the main reason I chose your company. For all kind of reasons your promises did not materialised. After a number of phone calls and emails between us I have decided to cancel my contract with you. I am not prepared to wait any longer, also I have no intentions to install windows during rainy winter time.  Could you be so kind to refund me my deposit of £100 pounds. If after winter time you will get your problems with your suppliers solved please give me a call, maybe we can try again. I will need  new windows anyway. Kind regards,
    • An update - The salesman who has dealt with most of this is off on Mondays which never helps and the senior service person there who I spoke to last week is also off all week.   I got a call from a service advisor today confirming the booking but was concerned I was waiting - explained (again) the story and he understood but on his job card, only had that he had to investigate the tyres and not necessarily replace.  Someone either is not communicating or I've been told lies.  I have gone through the recording and the salesman clearly states he has gone to upper management, discussed it and we will be replacing the tyres and battery to sort everything out.   Sat nav will be resolved tomorrow and they'll be looking at the broken sun visor.  I have also emailed regarding the gearbox service - I have a good friend working at Audi servicing at another group and he had mentioned Audi should be carrying out servicing if due within 4 months or so and this was.  I raised it pre-collection a number of times and was shutdown each time with "if a service needs to be done, it will be done"   Fast forward to today when I got the job card to sign in advance, it clearly states: Date: 20/10/2020 (our pickup day) Carried out MPC & oil service Haldex Reqs gear oil service.   The Gearbox service is due at 38k and the car was sold at 35500 well within the 4k which is probably why their own systems have flagged it. Haldex I'm not sure - this seems to be every 20k I think so due in 4.5k.  Oil service I can't see how they did it as the service history we got from them (verified by another dealer) was from September.   Lets see what they say tomorrow - I have flagged it with the service advisor from today but got no response.   Ironically, the friend did mention they've had other POA buyers book their car in elsewhere only to be told various handover bits were not done - I thought it was typical dealer rivalry talk but maybe there is truth in it.  
    • The Garde Bridge Project which never took off lost £43 million of public money.
    • Hope this works. These are the two letters which came with the copy of my CCA. Letters sent with CCA 21-10-20.pdf
  • 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.
       
      • 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

HSBC Credit Card


Please note that this topic has not had any new posts for the last 1093 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

  • Replies 193
  • Created
  • Last Reply

Top Posters In This Topic

i was just curious why they say that that they're not in the position to provide me with that. if my account was moved to them - they should have all the documentation.

Link to post
Share on other sites

Ahh, thats probably because HSBC don't have it. As I have said, Metropolitan are HSBC, they are just trying to make out they are different.

 

I think that you are looking at it in a logical way, when Creditors are not logical. The law says they must keep the agreement, and provide you with a substantive copy. They should then have that agreement when they want to enforce it.

 

In their wisdom, they coppied all of the agreements, then threw them away. They now expect the establishment to cover their backsides when things go wrong. Guess what, they do.

 

They will keep hounding you until they decide to give up or take you to court.

 

Imagine how many people do not have a clue about CCA law and just give in. I doubt if 1% of people in financial dificulties belongs to a forum like this one.

Link to post
Share on other sites

my missus just send me a text that Metro send another letter with something that was supposed to be a copy of the agreement, but it's not ;)

 

from what i missus said, its the same thing like HSBC have send her before as an agreement:

http://www.consumeractiongroup.co.uk/forum/show-post/post-2655730.html

 

its a credit card request form with her details filled in (obviously by HSBC ;) ) with no signature

Link to post
Share on other sites

Yes rudy, that request form is total rubbish, even for an s78 request. The problem they have is that they destroyed most of their agreements as a matter of routine, especially if they were ex Midland accounts.

Link to post
Share on other sites

so this package from Metro was rather big ;) they've made a better effort than HSBC itself did ;) this what they've send:

 

 

20av56o.jpg

24uyt7t.jpg

 

os4fgk.jpg

a1tjwz.jpg

97ikd0.jpg

xqg6bn.jpg

2e2ozf6.jpg

 

 

on top of that they've send:

 

- statements since May 2007

- credit card agreement terms from 2005 (pages not numbered, no siggy)

- important changes to credit agreement from 2008

- t&c from 2009

 

no signature anywhere. that credit request form was freshly filled in with a pen, ther even was a mistake in my missus first name ;) they've put the old address there too.

 

what would be my next step ?

 

thanks in advance.

Link to post
Share on other sites

They don't have to provide a signature, but it has to be a true copy of the agreement that you signed, not just a blank form filled in by someone else, unless this is what the agreement that you signed looked like.

 

There would have been no room for the PT's on this document.

Link to post
Share on other sites

Payment Terms Rudy .......... :)

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

Link to post
Share on other sites
  • 1 month later...

Tell 'em to provide the documentation you require and point out that until then this account is well and truly 'In Dispute '....read my previous advice rudy , it still holds good ....... they can't take your missus to court without an agreement ....... :)

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

Link to post
Share on other sites
  • 4 weeks later...

Hi rudy, no they don't. It is incredible how stupid they can be.

 

You need to go back to them, stating that the documents supplied bear no resemblance to any initial agreement, therefore this can not be a true copy. Ask them if they are genuinely confused or deliberately trying to mislead.

 

Agree with them that they can reconstruct, but that it must be reconstructed from the original agreement, so that there is no doubt as to the content of any agreement.

Link to post
Share on other sites
  • 1 month later...
  • 4 weeks later...

hi mickthespur - sorry i didnt reply earlier.

 

still nothing serious from them, received another "final" deman letter (it must 3rd or 4th now) today.

Link to post
Share on other sites

had a surprise letter from Metro today ;)

 

had nothing from them for a couple of weeks, despite that Final Demand that I've received last week

 

anyway, here it is:

 

2ekm05l.jpg

ne9pb7.jpg

2dgrxv9.jpg

2v2e26g.jpg

fu13py.jpg

 

 

 

they've also send me credit card t&c's from, what it looks like, time when I took the card, current cc t&c's and "changes to the cc t&c's" - all scans, no leaflets. also on that "agreement" they've put my address from 4 years ago.

 

can somebody take a look at this and share some advice ?

 

Thanks in advance

Link to post
Share on other sites

Vint is right Rudi , .... if it's 'reconstituted' , which they say it is in their letter , then it won't have your signature on it ......in which case it's OK for it to be able to demonstrate to you 'what you(maybe) would have signed' .....but no use for court.............

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

Link to post
Share on other sites
  • 2 weeks later...
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...