Jump to content


  • Tweets

  • Posts

    • I applied to the Court to act as litigation friend has my son is Severely Mentally Impaired and sent the proof they requested from his GP so I thought this might have been accepted without a hearing. I cannot believe the claimant is still convinced my son was the driver.
    • I had to call an ambulance for my wife, but one of the paramedics was not happy, about the condition of our house, as it's cluttered. And he  would only see to my wife, on the ambulance itself. After diagnosis they took my wife to hospital. My wife was ill for a few months, and received help from the district nurses. We then got a call from a social worker, who wanted to visit us, and discuss ways to make my wife more comfortable. When I asked for more details, she became vague, but could give us a phone number, if she visited. I politely declined her offer, as I was coping, along with my daughter in caring for my wife. Then a letter arrived from another social worker, saying similar things, to the first. I didn't bother to reply. Another letter has just turned up, from the social services legal department, which doesn't say anything specific, but refers to the other social workers trying to visit us. Coming from a legal department, has badly upset my wife, who's recovery was on going, and she now fears that someone will be coming to the house, to do whatever. Do we have to respond, or take notice of these people. Also we recently had a fire prevention officer come and fit, smoke and heat detectors. He didn't voice any concerns with the conditions at the property. Worried, Paul.
    • By not sticking to the deadline which you set you have lost credibility. Your letter of claim becomes one of hundreds of others which they receive and which they put in the bin because they think that you are just bluffing.  
    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Matt v HSBC


taylorit
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6374 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

Sent prelim letter on Friday 1st September 2006 claiming £1301.14 in charges and £4.04 in overdraft interest. Totalling £1305.18 These charges relate to a period of just 18 months.

 

Today still not heard anything back.

 

Mainly total charges being applied to my account which in turn causing me to go over my agreed overdraft limit meaning more charges and Direct debits in the mean time failing also causing more charges. One month alone i have charges totalling £260. In the Terms & Conditions it states no more than £125 will be taken in any one month. August 2006 I have charges to £180.

 

In the past I have had charges relating to £110 refunded due to a transfer from a share dealings account not clearing due to the bank not following the instructions issued.

 

Still awaiting a response from HSBC.

 

Matt

Link to post
Share on other sites

oh how nice 11/09/2006 it obviously costs the bank £30 for a £13 Direct Debit and yet they paid the direct debit to. I wonder what the charge is for then.

 

Banks charges total over £200 just this month because of going £50 over my overdraft.

 

Still no replay from my letter from the bank.

 

Matt

Link to post
Share on other sites

Seems like your not having a good time with the banks at the moment. Good Luck. Shout if you need any help.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

Link to post
Share on other sites

Charges appear on my account today for Unpaid Direct Debit yet no direct debit has gone out :S

 

OFT will enjoy :D no reply from bank yet Friday sees LBA getting sent off. and o2 have knackered up my mobile bill £350 of charges when my fone been at home switched off while I am abroad :S

Link to post
Share on other sites

Haha

 

Today I receive an e-message just to inform me that my prelim request letter dated Friday 1st September has been recieved and being dealt with at the relevant department. Who will contact me shortly.

 

Friday 15th is the day when LBA gets sent out.

 

Matt

Link to post
Share on other sites

  • 3 weeks later...

Finally today October 4th I recieve a letter from mr Colin Langdale with an offer of £1150.00 of the total figure of £1429.80 requested.

 

I did accept this offer without the conditional terms.

Link to post
Share on other sites

not a bad offer, meaning quite a bit more generous than i am used to seeing, stick with it though, ensure you send a letter accepting it as partial settlement but reminding them that you will pursue the rest, all the letter you need are in the templates section.

Link to post
Share on other sites

  • 2 weeks later...

when the solicitors make you an offer make sure you mention these additional charges and the potential costs to HSBC if they don't repay at the same time.:)

Link to post
Share on other sites

Also anyone know what i can do about HSBC damaging my credit file. I now cannot get credit let alone open a bank account because of HSBC!

 

HSBC have filed a late payment status every month for the last 12 months due to their charges causing me to go overdrawn.

 

I noticed this when I checked my credit file out after I was turned down for credit and a savings bank account! I have already filed MCOL before I noticed this.

 

Is there any way to fix this?

Link to post
Share on other sites

  • 2 weeks later...

I have just realised by looking at my credit file that HSBC have placed default notices onto my credit file.

 

Was not put onto my Particulars of claim nor was they detailed on my Prelimanary Request or Letter Before Action.

 

How can I go about getting these removed?

 

I am going to write to Experian informing they are being disputed meaning they get removed temporarily.

Link to post
Share on other sites

I have just realised by looking at my credit file that HSBC have placed default notices onto my credit file.

 

Was not put onto my Particulars of claim nor was they detailed on my Prelimanary Request or Letter Before Action.

 

How can I go about getting these removed?

 

I am going to write to Experian informing they are being disputed meaning they get removed temporarily.

 

Could you send off the template letters you can find on this site? And amend them a bit to say that you are currently disputing charges? If you have filed with MCOL you can't apply to have default removed, as that only lets you claim money back.

 

It's annoying for you, I can imagine. Someone more experienced will give you better advice, like one of the mods.

Link to post
Share on other sites

Also regarding my O2 bill this was resolved after numerous letters which got no response. I then sent another letter which I cc to Peter Erskine (Chief Executive) threatening complaint to Trading Standards (which I did) and legal action.

 

Two days later I received a telephone call and letter from his PA apologising and collected some evidence from me regarding staff which I had issues with and credited my disputed bill in full.

 

Also had problem with my December bill where they placed charges till end of my contract. PA telephoned once again apologising before I noticed and credit them aswell as 2 months free line rental credited.

 

I did end up getting cut off for 2 weeks during this progress but reconnected and barrs removed free of charge within 48 hours!

 

3 days later had a letter from Peter Erskine apologising and a full feedback being relayed to the staff regarding this issue which could of been resolved very easily. THIS LETTER WAS NOT AUTOMATED.

 

Matt

Link to post
Share on other sites

The 28 days is up on Monday 23rd November I have not heard anything from D & G Solicitors or HSBC!

 

Means Judgement by Default?

 

Then Warrant 7 days later or can that be issued same time?

 

Matt

 

hi matt, just noticed Monday is 20th Nov, have you got the date right? you will be able to apply for judgement by default but I'm sure it will be their oversight if they haven't defended by then and they are likely to apply for the judgement to be set aside, all adding to delays for you in getting your money. Why not drop them a line to remind them of the dates and get the ball rolling for a settlement before the deadline, or give them a call?

Link to post
Share on other sites

HSBC have entered a defence this morning.

 

What will happen now?

 

you will receive notice from mcol that the case is being transferred to your local court and my crystal ball tells me that there is an offer of money winging its way to you from DG right as we speak..

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...