Jump to content
  • Tweets

  • Posts

    • And as for “what if I get sick the last week” (or those last three days)......   well, you’d get sick pay. Would you go into your new workplace?   HMRC may not be bothered by 2 overlapping jobs of course, but if NHS CFS (counter fraud And security) noticed that either: a) you were claiming over-lapping sick pay for 2 jobs, or b) you were claiming sick pay for one job while well enough to turn in for the other: expect them to view at least one of the sick pay claims as fraudulent!   if you annoy your “difficult” manager : they might be difficult enough to highlight it for the local NHS CF specialist
    • Hello, Can someone advise if the attached is a valid charge please?  I had parked in the car park and paid but then got delayed and have ended up with a ticket for parking longer than I should have done.   I know they will refuse the appeal but is this charge enforceable?   Charge Notice.pdf
    • The dealer is called Carwise in Epping. It's not the most established of premises. When i was there i'd say there was about 10-15 cars inside and an office. I've seen these reviews of them which seem to replicate my experience. https://www.cardealerreviews.co.uk/dealership/hr-autos-epping-essex-england (note previous name). It's quite worrying.    
    • To me, it isn't just about social distancing and hygiene measures. I'm far from the first to say it but until there's a reliable track and trace system, I don't think this can be managed properly.   Children may not suffer as much as adults, although some do, they can be asymptomatic and pass on the virus to the rest of the family.   https://www.walesonline.co.uk/news/uk-news/lockdown-david-king-second-wave-18739973
    • When will most schools actually re-open in September ?   And when they open, will they be providing teaching over the number hours 9am to 3pm  ?   I am thinking of the school I attended, which was a large Victorian building, with many modern extensions.  The classrooms which could accommodate about 35 Children elbow to elbow, will only be able to accommodate 20 at the most with any reasonable distancing.   Or does the whole class  of say 35 stay in a bubble and the teachers move around to teach the different subjects ?    I can see many schools opening later in September, not for all pupils for all days and not doing the full hours.   This is going to be very difficult to manage for all those concerned, including parents looking to return to work.     
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3607 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 Everyone,

 

I am currently going through a nightmare trying to obtain an original copy of my loan agreement with HSBC regarding a loan that I took out with them back in 2004.

 

Like most people, I have struggled to keep up with the cost of the agreed payments, however I am still making payments to one of their appointed debt collectors CL Finance at a mutually agreed rate.

 

I checked my credit report and have discovered that there is a default notice recorded against me, I have since received a letter from CL Finance's appointed solicitors threatening to take me to court unless I pay them the outstanding balance by 29 July 2010.

 

I was advised by the branch when I took out the loan to apply in writing, which I did but received no response. I even sought the help from one of those companies who try and help you with the mis selling of the ppi claims only to receive a letter from their solicitors telling me that as they have been unable to obtain a copy of the loan agreement they have closed my case.

 

I am unsure what to do now for the best and was wondering of there is anyone out there who can lend a helping hand?

 

Thank you in anticpation.

Share this post


Link to post
Share on other sites

Firstly, keep on paying at the agreed rate - even if they say they won't accept the payments anymore. They are bound to accept whatever you pay them. If you pay the agreed rate then there will be little they can do.

 

Keep on asking for the loan agreement. At the same time respond to the solictors and to the bank that you are being threatened with a court action on an unenforceable agreement and this is unfair behaviour and that you will report them to the OFT and to Trading Standards and alos to the FOS. Make those complaints immediately in writing. Begin your complaint to HSBC that they have not supplied you with the loan agreement and that they are threatening you with legal action over an unenforceable agreement. Insist on the complain going to the FOS - unless that magically come up with the agreement.

 

Keep records and notes of everything that happens.

 

If you have been mis-sold PPI then you should begin a complaint about that too. Put your claim in to the bank and tell them you want that matter decided by the FOS. Unless you have very clear evidence of misselling, this will be the best way to go. If you have an obvious case of misselling, then the courts will be the best route.

 

Make sure that you start all of your complaints seprately on separate letters in separate envelopes.

 

Get going. Start it all now.


Share this post


Link to post
Share on other sites

Moved to Debt Collection Forum.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Hi Strawberry,

I'm not clear from your post, so to clarify....When you have made your written requests for a copy of your loan agreement, have you made them formally under the rules of Section 77 of the Consumer Credit Act 1974?

If not, you need to do so immediately. The template letter is HERE

 

Follow the instructions with the template. Enc £1 Postal Order, dont sign, hand print your name (or use CAGs signature protector, Signguard) and send by Recorded Delivery. Guard the receipt..staple it to your own copy of the letter.

 

If they do not supply it with 12 working days plus 2 days for posting, you can put the account is dispute.

This will provide you with some measure of prorection, and is a defence if they issue Court proceedings while they are in default.

Welcome to CAG, by the way..you'll get lots of help and support on here.

Shout if you need more help

:)

 

Elsa x

Edited by Undercover-Elsa
Clarity
  • Haha 1

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

I would also send a Subject Access Request to HSBA, if you havent done so already...

Template in my signature above.


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

Many Thanks for the replies that I have received. I can confirm that the letter with which that I initially wrote to HSBC with was a template from Martin's money tips not the standard template that you refer to now.

 

I have kept a copy of that letter however will ensure that I start with writing a letter to both HSBC and the firm of solicitors today acknowledging receipt of their letter and will send both letters via Recorded Delivery as suggested.

 

Thanks for the copy of the template, is there a standard letter to respond to the solicitors with?

 

Thanks again I feel as though a huge weight is beginning to lift

Share this post


Link to post
Share on other sites

Send a CCA request to the solicitors too http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter enclosing a £1 postal order & send recorded delivery.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Hi again,

 

Another point..did you receive a Default Notice? (In a letter headed "Important you should read this carefully"..Default Notice (etc)

If so can you dig it out (and the envelope it came in, if possible), let us know date of notice and date they required payment of arrears to remedy the default. Better still, if possible, scan it and upload it to Tinypic.com then paste the link in here. Remove personal details..account number, barcodes, name & address.

 

As Cerberusalert says above, CCA the solicitors too, with a cover note that you are suprised that they have threatened legal action as the account is in dispute and despite many requests no evidence has ever been produced that a signed agreement exists for this account, in order to clarify this once and for all I enclose a Formal Request under Section 77 of the Consumer Credit Act 1974 for a copy of the agreement.

I would stress that should you proceed with the threatened legal action it will be vigorously defended and a copy of the signed original agreement will be required in support of your claim.

 

 

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

My bro had a Recent default from hsbc and it was about 8 days short so certainly worth finding.

Share this post


Link to post
Share on other sites

HSBC do not issue valid DN's!


“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

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

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

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

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

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

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

Share this post


Link to post
Share on other sites

You should also notify the Lending Standards Board (LSB) of the bank's antics. Familiarise yourself with the Lending Code and also the LSB's rules and regulations which are on their website. The LSB will not investigate individual complaints by they are obliged to investiagate Lending Code members like HSBC and can put pressure on them behind the scenes. HSBC are under an obligation to report any breach of the Lending Code to the the LSB and I'll bet my gran's false teeth they haven't.

 

Put the account in dispute and the DCA will back off. Make sure you write direct to Matthew Holt who is the senior Customer Services Quality Manager at HSBC. Send him letters by registered post. At first he'll get one of his monkeys to send standard letters to you and they won't bother to read them. But keep at it and eventually he'll pass it onto someone who HAS to respond.

 

In the meantime kick off your complaint about HSBC to the FOS. I would also email Consumer Direct and they will pass your complaint onto TS for you.


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Share this post


Link to post
Share on other sites

Hi,This is great and definitely invaluable information, in relation to Howard Cohen and Solicitors I was unable to forward my letter to them by Recorded Delivery post as they have a PO Box number and apparently Recorded Post can't be sent there, however I have noted the date that it was posted and have also emailed them a copy, I am currently awaiting a reply having used the templates as suggested by Undercover Elsa and Cerburusalert.Will look into notifying the LSB and also familiarising myself with the Lending Code. To The Debt Star is Matthew Holt based at the Arlington Business Centre in Leeds as that was where I was going to send my Subject Access Request to as well as the actual branch where I initially took out the loan.I think that I may have a default notice letter in my files from HSBC I didn't keep a note of the envelope though will have a look through tonight and let you know how I get on.Thanks again its much appreciated.

Share this post


Link to post
Share on other sites
in relation to Howard Cohen and Solicitors I was unable to forward my letter to them by Recorded Delivery post as they have a PO Box number and apparently Recorded Post can't be sent there, however I have noted the date that it was posted and have also emailed them a copy,

 

All solicitors practices have an address. Use 'Find A Solicitor' on the Law Society's web page to locate them.

 

The PO Box is used for their debt recovery stationery. Write recorded to the buggers because they may deny receiving anything.


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Share this post


Link to post
Share on other sites

I have managed to find a copy unfortunately of the default notice that I was served by HSBC. Not sure what I did with the original as the document is dated 11 May 2006.

 

The date which I was given to remedy the arrears was 24 May 2006. I have also located the solicitors address using the Law Society web page as advised earlier so will ensure that a further copy of my letter is submitted by Recorded Delivery along with a CCA request from them.

Share this post


Link to post
Share on other sites
I have managed to find a copy unfortunately of the default notice that I was served by HSBC. Not sure what I did with the original as the document is dated 11 May 2006.

 

The date which I was given to remedy the arrears was 24 May 2006. I have also located the solicitors address using the Law Society web page as advised earlier so will ensure that a further copy of my letter is submitted by Recorded Delivery along with a CCA request from them.

 

Dont lose sight of the advice BankFodder gave you, get those complaints started and let HSBC know you are kicking up a stink

 

S.


Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Share this post


Link to post
Share on other sites
Dont lose sight of the advice BankFodder gave you, get those complaints started and let HSBC know you are kicking up a stink

 

S.

 

Yes. Write to Matthew Holt who is the senior manager of the customer service quality team (HSBC Leeds address). I always get a faster response to faxes I send (not from him personally but one of his monkeys). I then follow up with a recorded delivery hard copy of the letter. At present I copy everything onto the FOS.


Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Share this post


Link to post
Share on other sites

Hi all just wanted some advice following an update that I have since received from HSBC.

 

Before I started posting onto this forum I had instructed Chase Alexander Associates to assist me in obtaining a copy of the agreement from HSBC. I sent off a cheque for £10, I am not paying any fees to this company, but no doubt they will probably take a cut from the settlement if I am successful.

 

My query is, HSBC are requesting that I submit to them a formal notification advising them of my change of address, I'm slightly perplexed by this as not sure why they need to know I took out the loan when I was living at my Parents and since they have appointed both a DCA and solicitors on their behalf, as far as I'm concerned they have been fully made aware that I have now moved.

 

Not sure if this a delay tactic on their part or there is something else that they want to throw up as an obstruction, I'm feeling quite cynical about the whole process.

 

So when I contacted Chase Alexander I asked them to provide me with a copy of the agreement which they have said they are in receipt of from HSBC but would send me a copy of this at the end of the claim process.

 

I know that I may have made a drastic error in appointing Chase Alexander as I could have done this myself but at the time, I was just so desperate for help and as the only money I have paid is the £10 Subject Access request thought that this was a good idea.

 

I didn't realise that I had done this already, until receiving your guys advices, now I feel like a prat, please help

Share this post


Link to post
Share on other sites

Hi folks, just wanted to provide you with an update which I received from CL Finance following my strongly worded letter sent to Howard Cohen & Co Solicitors on 25 July 2010.

 

"We have been passed a copy of your letter dated 25 July 2010 which you have requested a copy of your credit agreement under section 77/78 of the Consumer Credit Act 1974. Please be advised this has been passed to us to respond as the creditor in the matter.

 

Please note that we do not currently hold a copy of the required document on site. Therefore, we are in the process of retrieving a copy for you. We confirm that while your request remains outstanding there will be no enforcement action taken against you.

 

Please note that although the agreement may not be enforceable while your request for a copy of it remains outstanding, this does not mean that your debt is wiped out. Any outstanding debt is still owed and you must continue to make payments."

 

Whilst I was very pleased to receive this letter in today's post I will still try and pursue Matthew Holt at HSBC, but was wondering whether I should be doing anything else in the meantime also?

 

As always any advice will be greatly received and appreciated :)

Share this post


Link to post
Share on other sites

Any news on this, Stawberry?

 

Elsa xx


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...