HSBC: Help Desperatley Needed! *** Won ***

[car2403]

Use photobucket, and link the images

[Mozz1]

mozz, sorry good fella but the file images are too small! The files you emailed me could only be uploaded as thumbnails. Good grief! Sorry mate, have tried. I can't get the hang of this new website, even using smilies needs the advanced edit tab (which of course you don't have!)

 

Cheers TDS. Thanks for the help anyway.

 

I'll try Car's photobucket suggestion...see how I get on!

[Mozz1]

'Go Advanced' now working! Hooray! Even the smilies

Thanks guys.

 

Have joined photobucket and uploaded, but the CAG website upload manager keeps bouncing the upload from photobucket to CAG!!! Any idea what link code on Photobucket I need to use?

 

Why o why did they have to change this website? Rrrrrr

[Mozz1]

Just received this from Experian.

 

"Our Ref:

Dear

Thank you for your email, which we received on 10 August 2010.

YOUR QUERY:

- HSBC (account started )

WHAT I AM DOING FOR YOU:

I am contacting the company concerned for you. This is because I can not amend the information without their consent.

I am adding our standard dispute statement to this information.

"THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA."

This statement will show within the next seven days.

I will let you know what they say as soon as they reply.

 

WHAT I RECOMMEND YOU DO NEXT:

Keep viewing your credit report to see any changes.

 

FURTHER INFORMATION:

If you have lived at any other addresses, you can add these to your report profile online. You will then be able to view all of the information that we hold in your name at the addresses provided.

To help you stay in control of your finances, we send you alerts to let you know when a significant change has been made to your report.

Kind regards

Mr

Consumer Services Officer

Customer Support Centre

Experian Interactive

[The Debt Star]

Interesting, didn't know the CRAs did that

[johnnymitch]

Interesting, didn't know the CRAs did that

 

 

The reputable ones do ........all of them should take notice and investigate if a consumer complains of being wrongly defaulted ............... this is good news for Mozz 1 ..they're taking it seriously ...........

[the_shadow]

The reputable ones do ........all of them should take notice and investigate if a consumer complains of being wrongly defaulted ............... this is good news for Mozz 1 ..they're taking it seriously ...........

 

Although I suspect it'll be "our client informs us the information is correct and therefore we will not be amending" or weasley words to that affect.

 

Sorry, in negative mood tonight

 

S.

[johnnymitch]

Although I suspect it'll be "our client informs us the information is correct and therefore we will not be amending" or weasley words to that affect.

 

Sorry, in negative mood tonight

 

S.

 

Not like you shadow ...

 

If you do get a letter like that and you know the bank has told porkies about you Mozz1 , I'd ask the CRA for a copy of the letter the bank sent....If indeed they've fibbed about you then you can really hammer 'em .... because they should have investigated again when the CRA asked them to confirm.... so they'll have lied twice ...........

[Mozz1]

If you do get a letter like that and you know the bank has told porkies about you Mozz1 , I'd ask the CRA for a copy of the letter the bank sent....If indeed they've fibbed about you then you can really hammer 'em .... because they should have investigated again when the CRA asked them to confirm.... so they'll have lied twice ...........

 

Johnny, you're on my Christmas card mailing list mate That's just the sort of pressure we need to put on 'em. Good one.

[Ebineezer]

Good thread. Will be interesting to see how this develops. May be involve the ICO if and when the CRA rejects your dispute complaint?

[car2403]

 

There you go...

[Ebineezer]

Final Demand makes no reference to the OFT's Determination. Come to think of it, it doesn' mention the words "over draft."

[The Debt Star]

Final Demand makes no reference to the OFT's Determination. Come to think of it, it doesn' mention the words "over draft."

 

Does it make a difference? They can do what they like with Overdrafts - the consumer has no rights it seems to me. Bl**dy disgusting. Apparently the OFT Determination is in "the Public Interest"

[Mozz1]

Here is the latest from the Shanghai.

 

 

I hope the photobucket lark works :/

 

Our feelings are that they are in clear breach of the Lending Code in (a) not corresponding regarding a repayment plan after the letter in response to their first excess notice (b) negligent in not replying to the second letter in response to their final excess notice and © in breach of the Code in demanding contact by telephone.

The bank have REFUSED to discuss whether the Default at the CRAs will be removed in its entirety (their original letter was vague on this point)

They have admitted that no facility letter/original agreemkent was ever sent para 3 of the 2nd page refers

Resolving this focuses on whether the Final Demand letter was (a) valid (b) issued correctly © not in breach of the Lending Code (d) negligent

We think it was neglient and have told them that in response

Want the Default removed o\w will continue down the Foz route and then the ICO

 

any thoughts?

Edited September 30, 2010 by the_shadow
Images removed at request of Mozz1

[Mozz1]

Looks like I've got the hang of this photobucket stuff :)

[The Debt Star]

Looks like I've got the hang of this photobucket stuff :)

 

Good on yer

 

I think the bank are on very dodgy ground and pretty much adnit it in the letter.

 

First off, they admit to ignoring your second letter because you didn't telephone thrm. You don't have to. Period.

 

Second, they have to enter into dialogue and consider a repyament plan, which they didn't. When they DID it was after the Final Demand was sent to you and some plod appears to have pressed the "no" button because of the Final Demand. What utter idiots they are. They must be breaking every rule in the Code book here.

 

Third, IMHO while the Final Demand may have been drafted correctly, it was, as you say, sent negligently because the bank ran roughshod over your hardship letters and didn't properly consider them.

 

That's my thinking on this Mozz1.

[The Debt Star]

They're not called the Hongkong Shanghaid Wan-King Corporation for nothing :)

You definitely 'Wan-Ton' complain about them

[Mozz1]

Trading Standards have taken an interest now. I initially complained about Metro but they have also now asked for the HSBC correspondence...........................

[Old Cogger]

They're not called the Hongkong Shanghaid Wan-King Corporation for nothing :)

You definitely 'Wan-Ton' complain about them

 

 

Get it right should be "What went wong with Wan-king Corporation"

[The Debt Star]

Get it right should be "What went wong with Wan-king Corporation"

 

Beg to differ. it should be The Wan-Ton Special Wice Wan-King Corpowation. And just to think, they were once the lame Midland Bank!

 

Good to see Twading Standwards are taking an intewest.

 

Any update on the FOS complaint?

[Mozz1]

Not like you shadow ...

 

If you do get a letter like that and you know the bank has told porkies about you Mozz1 , I'd ask the CRA for a copy of the letter the bank sent....If indeed they've fibbed about you then you can really hammer 'em .... because they should have investigated again when the CRA asked them to confirm.... so they'll have lied twice ...........

 

Johnny, hope u r still around and interested in this thread. we received today this email from the CRA. requires a full SAR to get a copy of HSBC's letetr to them as and when its sent.

 

 

Thank you for your further email received earlier today.

YOUR QUERY:

- Notice of Dispute statement

I would advise you that I am referring to the Notice of Dispute statement.

I HAVE REVIEWED YOUR REPORT AND CAN TELL YOU THAT:

HSBC have not yet responded to our recent query.

 

FURTHER INFORMATION:

I understand that you have requested a copy of all the correspondence between ourselves and HSBC. This is known as a Data Subject Access Request (DSAR). This information must be applied for in writing.

When making your application please include the following information with your request; your full name, address details for the last six years and your date of birth. We will also require a fee of £10. A DSAR will provide you with all of the information Experian (as a business) may hold including your credit report. We are given 40 days upon receipt of your application to provide you with the relevant information.

Kind regards

 

Consumer Services Officer

 

[Mozz1]

Any update on the FOS complaint?

 

not yet, no. have to say TS seem much more interested..........

[johnnymitch]

Hi mozz1

 

That seems like a fair one ... you are actually asking for Data that they hold , so it's the same as asking the bank for all the stuff they've got on you ..........if you think it's worth a tenner to see if the bank have been : a) telling porkies or :b) being economical with the truth , and :c) contravening the rules for Default reporting.......... Then I'd say go for it ........

[Mozz1]

Hi mozz1

 

That seems like a fair one ... you are actually asking for Data that they hold , so it's the same as asking the bank for all the stuff they've got on you ..........if you think it's worth a tenner to see if the bank have been : a) telling porkies or :b) being economical with the truth , and :c) contravening the rules for Default reporting.......... Then I'd say go for it ........

 

cheers johnny.

well, we have quite a bit to sling at 'em so i figure sending SARs to the CRAs would be the right thing to do if HSBC don't remove that pesky default from her credit file.

 

do you have a view on the bank's letter viz their insistence that the default letter was valid (by that I mean not "valid" per se but whether it was sent negligently)?

[Mozz1]

I'll move the HSBC correspondence now as no one else is commenting. Will keep you updated as to HSBC's response to my demand about the default being removed. We suspect that they will refuse on the basis that they claim the default letter was validly issued in accordance witht heir "standard procedures." Which is made given they have re-opened the account and all that has happened. But will let you know.