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    • Link deducted the £1 I sent for the credit agreement request from the judgement balance even though I made it clear in the letter for them not to. So i'm assuming that this will make the transaction complete and making them the legal owner now.   At the time I thought the credit card had been cut up and didn't know the mortgage was being paid on it. Hence why I was so shocked that RBS allowed this much to be burrowed on a card.
    • well get something sorted so the CCJ doesn't happen  then go after vanquis under IRL, might get all or most of the balance wiped......just musing..
    • probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.   there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.   as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?   if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .   as for defaults preventing a mortgage got to a proper broker that knows his onions,  2 are settled so shouldn't be of an issues 1 you say isnt your ...tell us about  one is with lowells now and unpaid...whats was the debt and with whom.   we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest. in this current climate it should be easy now to get a mortgage...
    • Have you tired just saynoto0870 for alternative numbers, url below takes you to 0870   https://tinyurl.com/srzwr9bk
    • Thanks for your feedback.   Is there a recognised process that you’re aware of to challenge these Defaults?  Thanks for your feedback.   Is there a recognised process that you’re aware of to challenge these Defaults? 
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Very interesting reading. I went over my overdraft by £50 a couple of months ago. I asked for an increase in my overdraft but was refused. It was followed on by a customer service person ringing me up asking did I want to consolidate a new loan. I already have one with them at 4%. I refused and said I was surprised they could not increase my overdraft by £50 but could offer me a loan! My present overdraft is only £150. They have charged me in all over the last couple of months approximately £300 in charges - which are charges on charges. They take the charges the day before payday making it ongoing. I wrote and complained about this but HSBC said they would never charge on charges!!! Any advice anyone - I am a new member so hope I have not hi-jacked your thread.:mad:

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  • 3 weeks later...

Hi everyone - a new addition to the forums.

 

A couple of months ago I went over my overdraft of £150 by £50. I telephoned the bank to ask if I could increase the overdraft to £200 to save on bank charges. I was sent a letter saying due to the current climate they declined increasing it. I then took a telephone call from them to talk about my account I told them I had been refused the extra £50 overdraft but was asked if I would consider taking a loan out. I already have one with them which is at a rate of about 4% but they wanted me to take a new one out at a higher rate. Obviously I refused, I told them they could offer me a loan but not an extra £50 on my overdraft! Up to now I have paid approximately £300 bank charges, they take out of my account the day before I am paid meaning the next month I am back to square one. I wrote complaining that charges were taking me over and then they were charging me again but in a reply I was told that they never charge on charges. I checked my bank account you can guess they have taken another £50 the day before I am paid. I don't know how to get off this roundabout! I have just sent a letter claiming my bank charges back.

Guess30.

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Welcome. I suggest that you post your story on the HSBC forum and you will get lots of help.

 

HSBC stands for" Have Some Bank Charges".

 

Don't expect any decency or help from these people. They are greedy and ruthless and they don't care about you.

 

This forum will help you get your charges back. You will get lots of support that you will have to take some time to read around.

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Welcome. I suggest that you post your story on the HSBC forum and you will get lots of help.

 

HSBC stands for" Have Some Bank Charges".

 

Don't expect any decency or help from these people. They are greedy and ruthless and they don't care about you.

 

This forum will help you get your charges back. You will get lots of support that you will have to take some time to read around.

 

I like this BankFodder, so true!:D

Debt Free Since 1st September 2009:D

 

Target Savings For 2010 = £1000:)

 

Savings So Far = £700:lol:

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Have you incurred many more of these charges over the last 6 years or so ? Does your current loan have any insurance added to it at all ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

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Hi guess 30 , welcome to the HSBC forum :)

 

There is quite a bit of reading to do to set yourself up for reclasiming your charges , however if as 42 man says you may have more to reclaim going back 6 years , then it'll be worth the effort .....

 

Links for new starters

 

Step by Step Instructions post OFT Test Case

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Basically the plan layout is :

 

1. Work out how much they owe you in unlawful charges

 

If you want to go back 6 years send a SAR -

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request

 

This gives them 40 days to cough up everything they have on you , which will give you a good chance to read up on further action :)........

 

2. Send a Preliminary Letter asking for it back(they'll try to put you off ):rolleyes:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/111--letter-preliminary-approach-for-repayment[/font]

 

3. Send a Letter Before Action (which they'll either ignore or try to waffle you out of it ) :rolleyes:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/112-letter-before-action-bank-charges

 

4. Lodge your claim with the Local Small Claims Court ......

 

Come back at this stage and we can guide you further - someone will always answer and we're a friendly lot on here ..... :D

 

Best of Luck , guess 30 - remember , keep to your timetable, not theirs and you'll get there Ok ........

Edited by johnnymitch
Removing font markings ..........
  • Haha 1

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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  • 3 weeks later...

Two questions on the above if anyone can answer:-

 

1. Am I right in thinking that HFC were a subsidiary under HSBC?

 

2. If I had a loan with HFC many years ago can I reclaim back any PPI on it, even if I don't have any details to hand. - would I just have to write to HFC?

Hope someone out there can help.

Thanks

Guess30

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  • 3 weeks later...

No I don't think they were. They used to be called household bank. There is a PPI sub-forum so ask this question there.

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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You were right - they are part of the hsbc group.

 

Part 2 - I still say ask in sub-forum

If my advice has been helpful tip the scales

 

West brom SETTLED

 

Halifax current SETTLED IN FULL

halifax curent (2nd) stayed. Visa - SETTLED

2nd visa LBA sent

halifax for the 3rd time. LBA sent

 

Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

 

Sainsbury's - Awaiting court date

 

Co-op cc SETTLED IN FULL 2nd claim. Settled in full

 

 

National Westminster Settled in full. 2nd claim. N1 submitted

 

 

HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL

 

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Dan1980

You having worked for HFC I took out a couple of loans quite a few years ago. They were paid off but I wanted to know if I could claim the PPI if any I had on these finished loans?

Thanks a lot.

GUESS30

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Dan1980

You having worked for HFC I took out a couple of loans quite a few years ago. They were paid off but I wanted to know if I could claim the PPI if any I had on these finished loans?

Thanks a lot.

GUESS30

 

yes you can.

 

start your own thread in the ppi forum.

 

your best bet would be to read the notes for claimants sticky by clicking the blue underlined forum name at the top in that forum.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I had a couple of loans with HFC some years ago. These were paid off - I believe it is possible to claim back the PPI (if any) I can't remember if I had it or not. Do I write to firstly HFC head office asking them to check this out for me to see if I did have it. or not - any advice will be welcome.

Guess30

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I had a couple of loans with HFC some years ago. These were paid off - I believe it is possible to claim back the PPI (if any) I can't remember if I had it or not. Do I write to firstly HFC head office asking them to check this out for me to see if I did have it. or not - any advice will be welcome.

Guess30

 

Please have a look at this link and see it the dates fit for you claim.

 

FSA fines HFC Bank £1.085 million for PPI failings

 

If the dates do not fit then have a look in these links and read up to see if you can claim mis-selling. IMO you will have a case;)

 

PPI - Some Notes for Claimants..

 

Mis-sold PPI? Want your money back? use these links to help

 

a lot of work but some good information to help you get your PPi money back.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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  • 1 year later...

Recently enquired with HFC Bank about various loans I had with them over the years. Received a reply stating that because some were over 6 years old they held no records. Is this correct? and is the time limit within 6 years as one of them was just over. Any advice welcome - thanks in advance.

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Guess30

 

A lot of the Banks and financial organisations will say they only hold records for 6 years when you submit a SAR. From personal experience I have submitted SAR's to about 8 organisations. Most of them use the line "we only have records going back six years". However I have managed to get records going back 15 years from one and excess of 10 years from others. However be prepared for them to mess you about. I have been trying to get all my loan and account information before submitting a claim for PPI and it has taken me over 5 months just to get the information. Do not give up and keep at them. Do not take NO for an answer.

As for a time limit for claiming. It is 6 years from when you became aware that you were misold. So if you only realised recently you were misold that is fne.

I was recently successfull with a claim on a loan I took out in 1997 and finished paying in 2001. Don't let them use this either to try and put you off.

Best of luck.

 

FMC

Abbey National SAR sent 15/03/2010

RBS SAR sent 15/03/2010

Cahoot SAR sent 22/03/2010

Northern Rock SAR sent 22/03/2010

EGG SAR sent 22/03/2010

Morgan Stanley SAR sent 22/03/2010

MBNA SAR sent 22/03/2010

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