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    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
    • Hi she did say she was cancelling and returned the equipment. It looks like they put her on a rolling contract for 24 months when she phoned before trying to reduce her payments as they kept going up.   I know Sky haven't done that to me. She didn't see that email as she's had lots of stressful situations. No letter in post or when she originally phoned about reducing her bill well over £100 they didn't tell her about this contract.   Like you say there should be recordings. BT mobile contract is separate to broadband and the cancellation fee is for the broadband. They have blocked her mobile so she can't use it and that is a contract.   She is phoning CAB in the morning and checking through her paperwork. I'm quite happy with Sky as they tell you upfront what is happening and have never rolled over my contract.   Thanks for taking time to reply it is much appreciated. 
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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
      • 31 replies

Digger v HSBC - Victory!!!!


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Hi everybody!

As a newbie to this forum ( not fighting HSBC, won several complaints ), I read now for days through all the FAQs and comments. I am ready now to grab the bull by the horns and claim unlawfull charges for the last 10 years back. But I can't find the address of HSBCs control officer. Can somebody help me?

Many thanks in advance!

Data Protection Act/ SAR - (Subject Access Request) send 1/ 7/ 06 recorded del. now waiting!

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Welcome.

You can only go back 6 years,

Send your letter + £10 fee to the Data Controller at HSBCs registered office or take it to your branch (get signed receipt for letter and fee). They will forwrd it by internal mail.

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Hi everybody!

As a newbie to this forum ( not fighting HSBC, won several complaints ), I read now for days through all the FAQs and comments. I am ready now to grab the bull by the horns and claim unlawfull charges for the last 10 years back. But I can't find the address of HSBCs control officer. Can somebody help me?

Many thanks in advance.

:confused:

 

you can only claim back 6 years at the moment, as long as you follow the faq's and guidelines, you will get your money, oh and

 

Phil Beaumont

Senior Service Quality Officer

Arlington Business Centre,

Milshaw Park Lane,

Leeds

Ls11 Opp

  • Confused 1

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

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Hi there,

I post the

Notice pursuant to s.10 of The Data Protection Act 1998.

Re: account No. xxxxxxxxx Sort Code: xxxxx

Account No: xxxxxxxxxxx Sort Code: xxxxxx

Account holder. xxxxxxxxx

Address. xxxxxx

Whereas I have been a customer of xxxxx Bank since xxxxxxxx and whereas I consented in my contract with you to the disclosure by you of certain data to third parties, at no time did I consent and neither was it within the contemplation of the parties to the contract that I did consent to the processing by you of that data in any manner which would be unfair or inaccurate or which in any way would breach The Data Protection Act 1998

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

 

Faithfully yours

to this address

Data Controller

HSBC Bank PLC

8 Canada Square

London

E145HQ

Prelim to HSBC sent on 30th June for £580.

Reply with offer to refund £520.00 on 19th July

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Thanks again everybody.

I have my DPA/ SAR ready to mail tomorrow and keep all of you updated on my progress. Its time we " Common People " ( lol ) make ourself heard!;)

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Digger,

The letter posted by Irina is a Section 10 DPA letter, which is if you have been defaulted.

 

If you are merely asking for your transactions (ie charges) for the last 6 years you need to send the DPA Subject Acess Request letter here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html

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Thanks Michael.

I thought so and posted the right one today. 40 days from today and I am in business. Not only for the money ( even a nice bonus ) but to get my selfesteem back after been treated like rubbish by HSBC when I needed help due to long illness! Its payback time!

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but to get my selfesteem back after been treated like rubbish by HSBC when I needed help

 

And don't they just make you feel like **** when you phone them! This comment just summed up my feelings right now! Go Digger!

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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Hi Hedgehog.

I didnt even Had to phone them to feel like ****, they rung me up to 10 times a day to rub it nicely in that I owe them money and when I complaint about the amount of calls, was told that its my own fould coz I owe them money!

Got them shut up with the banking ombudsman and a thread to take them to court for breaching the Harrasment Act 1992!:lol:

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good on you....going to look for your thread on harrassment as I am sure I could do with that...although they don't phone me anymore...I started to refuse to answer their security questions telling them that I don't believe they are from the bank, or just saying "no, I don't want to!" they are not allowed to discuss your account with you unless you do, I was actually beginning to enjoy being awkward and they stopped calling.

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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I wouldn't have mind one courtesy call a month Hedgehog, but 140 in two weeks every month? Even if I discussed my problems with one person, an hour later the next rung for the same problem again. I was a nervous wreck. To be honest, english is not my first lingo and I learned it on building sites, first of all the F words, but not even them worked on HSBC.

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you can only claim back 6 years at the moment, as long as you follow the faq's and guidelines, you will get your money, oh and

 

Phil Beaumont

Senior Service Quality Officer

Arlington Business Centre,

Milshaw Park Lane,

Leeds

Ls11 Opp

 

Hi Maverik.

Could do with some help again, so more I read, so more I get confused! I know I can claim the charges, but what about the Total Charges and the interrest?

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When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

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Thanks Michael. I am charged several times £ 25 as Total charges, adding to the other charges. What about that money?:confused:

 

yup take that aswell, total charges refers to being over your overdraft limit, they have a charge per day (maximum of 5 days per month i think) so they add these up every month and call them total charges

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

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Hi everyone.

Now here is a goody! HSBCs answer! Listen to that:

Thank you for your letter dated blah blah. We will forward to you copies blah blah.

WE are happy to waive any fees for the production of this information and we return your payment.

Hows that? Did they finaly get the message, or just scared?:)

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  • 2 weeks later...

Here we go! Just worked out they owe me £ 1185, when I had a letter from them today. Telling me to pay back my overdraft within 14 days. When I rung them I was told only a managed loan is possible for me now or court action.

Putting the thumbscrews on, the B?:£$&s!!! Now they picked a fight and it will hurt them!

Could anybody please let me know what a schedule sheet looks like? I am only a humble forklift driver!

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  • 2 weeks later...

Request for repayment letter send 21/ 7, so the deadline is friday 4/ 8. No answer so far, so it looks like they want a fight. I will post the letter for action friday and see what comes out of it. I get it realy badly, they pull the thumbscrews tight now, canceling the overdraft etc. but nevertheless, they owe me! NO SURRENDER!

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schedule of charges is just the spreadsheet thingy with all your charges listed..

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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