Jump to content


  • Tweets

  • Posts

    • I had a parcel that I needed shipped from Borehamwood WD6 to Edinburgh EH14 that was 12in x 12in x 12in & weighed just shy of 9kg. It was accepted at a Hermes Drop off point on the 9th Sept 2020 on a 48hr DELIVERY & on the 10th Sept showed as :On its way....12:59 - Thu 10 Sep...We've got your parcel and we're processing it for you. As of yet ( 1500hrs on 25/09/2020 ) I have still not received my parcel. This parcel was a wedding gift hamper of 'unknown goodies' so pretty important that I had it before 13th September 2020 The value of the parcel was £150.00 so I am not best pleased that it was lost by Hermes, as it was a Wedding gift I then felt obliged to give the Bride & Groom the cash to buy whatever they desired as the parcel was delayed. If the parcel was to have later turned up I would have still allowed them to keep both gifts, what annoys me is the lack of clarity that Hermes can offer me, I can't understand how a 12in squared box isn't traceable? ( maybe a member of staff has 'hidden it' for later enjoyment ). any assistance in this matter would be good because between Hermes & Packlink I am hitting 'brick walls'   Cheers, Peter  
    • All sent this morning registered delivery  let’s see what happens now 🤷🏼‍♀️  thanks dx for the above  MJ 
    • I am not sure what you are expecting. This is nothing new, it is just that the person concerned caught the incident on camera, that makes it newsworthy, apparently. Simply the EA fell foul of the regulation which defines "relevant premises". I can think of several judgments which agree with this, and found against the Bailiff..: 6)Otherwise premises are relevant if the enforcement agent reasonably believes that they are the place, or one of the places, where the debtor— (a)usually lives, or (b)carries on a trade or business. The bailiff may call at relevant premises, this may or may not correspond to any residential information suppled by the creditor or his office, the provision is permitted under his general powers.   The point is that the EA must have a reasonable belief that the person lives or works there. Once the EA acts outside the procedure authorised by his writ(Schedule( 12), he is open to actions under common law or those rules applicable under other legislation.   Problems only arise when people take this incident to prove something that it doesn't.     There is no disputing that the bailiff and the company behaved atrociously, and there is no denying that DCBL makes a habit of this kind of thing    
    • I feel a snotty something coming on. Whatever it is it's not Batflu 😂😂   It was an ANPR capture. ..... SMILE 🖕.....   Is this enough or should I write a proper defense??   A lack of contractual obligation makes your demands spurious, please refer back to your client and desist this harassment
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Dlr V HSBC


Please note that this topic has not had any new posts for the last 5117 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 posted last night to say that I was unsure my letters had been received as I just addressed them to the 'Bank Manager' by First Class post no receipt. I was about to start all over again when I got an offer this morning which caught me by suprise. I've been offered £750 from a claim of £833.50 charges, the letter said that interest (£251.66 totalling £1085.16) won't be refunded as it is a condition of the overdraft. My argument will be that if I had not been charged in the first place I would not have had interest to pay on the £833.50. If anyone can word it better than me I'd be obliged.

 

What caught me off guard is I've only sent the pre lim letter and the LBA. The letter they sent says I entered into a contract and was aware of the charges etc and they believe they would successfully defend any legal challenge. Their offer is because they 'are mindful of management and irrevocable costs that it may incur in relation to a claim'.

 

I was thinking off rejecting the offer and going for the full amount. and giving another 14 days response time before I start procededings.

 

Has anyone else had an offer from HSBC at the LBA stage and did they reject or accept it?

 

My worry is to lose the £750 by being greedy for the £1085.

 

Cheers

 

 

HSBC Pre lim letter 12th August 2006 £1085.16 - Ignored

LBA sent 2nd Septemer 2006 £1088.65 - Offered £750

Link to post
Share on other sites

Hi,

 

I have just had the same letter you got, offering a smaller amount that I asked for. If they are prepared to offer as much as they have, then it won't hurt them to go all the way and refund everything you have asked for.

 

I will be accepting their offer in PART PAYMENT, and will amend the bit on the letter (that I have to sign accepting their offer) to show that I will accept the offer so far but will continue to claim the rest in court if I have to.

 

No reason to give them any extra time, you gave them 14 days, I assume when you sent the LBA. Tell them your original deadline still stands.

 

Good luck!

HSBC:

Data Protection Act S.A.R - (Subject Access Request) sent 23/5

Prelim request sent 18/8 - ignored

LBA sent 6/9 - offer made, but it's not good enough!

Full offer received 19/9/06 :D

 

 

Barclaycard:

Data Protection Act S.A.R - (Subject Access Request) sent 23/5

Info dating back to May 2004 received 3/6

40 day deadline is up on 4/7

Information Commissioner had to intervene, got most of the statements I asked for but some still missing.

19 March 2007 Starting on them PROPERLY (at last!)

Link to post
Share on other sites

I have just printed my version of that letter... has taken me ages to find it! Should have hung on and waited for your post Michael!!!

HSBC:

Data Protection Act S.A.R - (Subject Access Request) sent 23/5

Prelim request sent 18/8 - ignored

LBA sent 6/9 - offer made, but it's not good enough!

Full offer received 19/9/06 :D

 

 

Barclaycard:

Data Protection Act S.A.R - (Subject Access Request) sent 23/5

Info dating back to May 2004 received 3/6

40 day deadline is up on 4/7

Information Commissioner had to intervene, got most of the statements I asked for but some still missing.

19 March 2007 Starting on them PROPERLY (at last!)

Link to post
Share on other sites

Hiya,

 

thats interesting, never thought of accepting as part offer. I've been mulling over what to do and I've decided to reject it and go for gold. The fact they have made an offer suggests they are willing to pay the lot. Just about got the letter together in my head and now gonna get it on paper. Fingers crossed

 

David

Link to post
Share on other sites

Good for you! ;) Let us know how you get on...

HSBC:

Data Protection Act S.A.R - (Subject Access Request) sent 23/5

Prelim request sent 18/8 - ignored

LBA sent 6/9 - offer made, but it's not good enough!

Full offer received 19/9/06 :D

 

 

Barclaycard:

Data Protection Act S.A.R - (Subject Access Request) sent 23/5

Info dating back to May 2004 received 3/6

40 day deadline is up on 4/7

Information Commissioner had to intervene, got most of the statements I asked for but some still missing.

19 March 2007 Starting on them PROPERLY (at last!)

Link to post
Share on other sites

Guys its your money.If a burglar emptied your house and them comes back and offers half your stuff back as long as you dont take him to court , would you be happy ?

Case Statistics 13 Wins - 0 Losses

Cases In Progress 2

Link to post
Share on other sites

Hi everyone,

 

I've just finished my letter rejecting the £750 I was offered as final settlement of my £1088.65 claim. I did consider accepting it as a part offer but decided against that. I said I was confident that I would be successful in my action against HSBC for the full amount, I've also updated the interest and told them I will be adding 24p a day until judgement or a full settlement which ever happens first.

 

I feel like David v Goliath........ now where did I put that slingshot?

 

David

Link to post
Share on other sites

sounds like you have things under control, keep us posted

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

Link to post
Share on other sites

Hi,

 

Will accepting an offer as part payment effect your claim?

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

Link to post
Share on other sites

I got the same offer which I accepted in part settlement and informed them that I still wanted the remaining monies. On Saturday I received the standard letter which suggests I contact the ombudsman. Guess that means I won't get the partial payment then! LOL

 

Their 14 days is up tomorrow so I'll file against them - they're not having any longer!

HSBC - 2 accounts - £5016.44 - WON!

 

Now going after them for my husbands account - £283.30. Prelim letter sent 26th October 2006.

Link to post
Share on other sites

Ok Good luck! I read elsewhere in this forum that they direct you to the ombudsman, so that seems to be a standard response. I thought the ombudsman were saught if you were seeking compensation not claiming back what's rightfully yours......!

:cool:

Account 1(mine) & 2 (Joint)

01/09/06 Subject Access Request sent - Hand Delivered

8/09/06 Prelim letter issued

03/10/06 LBA sent recorded delivery

17/10/06 Partial settlement offered

18/10/06 MCOL Raised

21/11/06 - Settled in FULL!!!

Account 3 (Partners)

01/09/06 Subject Access Request sent - Hand Delivered

02/10/06 Prelim letter issued

17/10/06 Partial settlement offered

18/10/06 LBA sent recorded delivery

27/01/06 MCOL Raised

Link to post
Share on other sites

Do I file my MCOL to Colin Langdale as he is the only named person who I have on my replies. He's Senior Service Quality Officer although the signature on the letters is PP. ALso can I add a claim now for the interest I have been charged on the overdraft charges even though I never mentioned it in my opening letter but did in my LBA? I don't mean the 8% for the charges, as I kept increasing my overdraft to keep afloat and so have been paying interest all these years and not clearing the OD if that makes sense.

 

David

Link to post
Share on other sites

I told them I wasn't contacting the ombudsman but would proceed with my action. I received a letter this morning again suggesting the ombudsman and no mention of the original offer! Rubbing it in a bit with the last line, they put 'I accept this letter will not provide the response that you hoped for'.......... too right it doesn't. ha ha to you too.

 

Filing my OLMC Saturday. GET READY.

Link to post
Share on other sites

thanks for that fella's. No I didn't mention it in the LBA just in the letter rejecting their offer of £400 less than my claim. I said that unless I received the full amount in 14 days I would file an action and include overdraft interest. Oh well not to worry i never imagined I would get a penny 3 months ago so I'd be satisfied with my original amount.

Cheers

Link to post
Share on other sites

Hold on, as long as you've mentioned it in a letter to them, LBA or not,then there's no reason why you shouldn't claim it at moneyclaim.

 

Once you've filed and know your claim no. send MCOL 2 copies of your revised schedule of charges clearly marked with your name and claim no. and a copy to the bank

Link to post
Share on other sites

I've added the extra interest when I started my MCOL but I can't figure out how to use the spreadsheet. I've worked it out on a day to day basis similar to the 8% which has added £500 + £120 costs to my original claim. If they had paid up on my initial letter they would have saved £620. Greedy b*%!&$%s.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...