Jump to content


  • Tweets

  • Posts

    • Did you send them a letter of rejection? You're still within 30 days and you should have done this. I emailed them with the details and advised them they need to refund the vehicle as it's within 30 days.They replied stating that they are not going to do anything. So I have had my response already. Ill address your other questions shortly.
    • We don't often advise appealing a PCN, it's true. It's too easy for people to out themselves as the driver and make things more complicated. We might suggest writing to a large supermarket chain or a hospital in your case, but rarely to the PPC. It isn't in their interests to allow appeals, they don't make any money then. HB
    • Can you tell us more about the car. Make, model, price paid, year blah blah blah. Please can you upload your claim form in PDF format. Was the castle with an MOT? What date was MOT? Who gave it the MOT? You have issued the claim – when did you issue it/when is the return date? How did you pay for the car? What other losses have you incurred – insurance, repairs, et cetera? You've been here since 2015 – and am curious to know why you didn't come here first before you started getting into formalities with them. You have a responsibility for the vehicle. However I would indicate to them that you are going to be charging him storage from the date that you first tried to return it to them and they refused. Did you send them a letter of rejection? You're still within 30 days and you should have done this. You say that you bought the car on 9 July. What they did you issue the claim? You should have implemented the pre-action protocol of giving them 14 days notice before you issued the claim. It appears that you haven't done this and this could pose a problem for you if the matter is raised in court. Why didn't you send them a letter of claim giving them 14 days? Please can you go to these questions carefully and address each one  
    • So, is frightened farage in westminster doing his utmost for his constituents ? or has he naffed off to suck up to the republicans in the US?   No prizes for guessing.   Nigel Farage defends flying to America to support Donald Trump as MPs debated King's Speech in Parliament CA.NEWS.YAHOO.COM The Reform UK leader was in Milwaukee, Wisconsin, where the Republican National Convention is being held   Someone check his UK expense claims
    • BTW do you think i need to include the Blue Badge or PIP letter or anything to do with housing in order to evidence my partner's disability or are the witness statements enough?  These can be easily added I just don't want a bunch of private health related documents in the public domain as you can imagine.
  • 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
      • 162 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

ppi claim to be paid to HSBC METROPOLITAN COLLECTIONS


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4642 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, I put in a PPI claim to HSBC.

I am currently with Payplan and am paying a few hundred pounds per month to clear my debts to HSBC and a few other creditors.

 

HSBC have sent me a letter saying I was missold PPI and the claim is worth £4000 including interest.

 

I am paying off my debt of £9000 through Pyplan to Metropolitan Collection Services, which I assume is a part of HSBC Debt Department.

 

They say that the money will be paid to Metropolitan to reduce the debt I owe.

 

I am in debt, partly because of the PPI payment and interest.

Is it normal procedure for the full PPI claim to be paid to the Bank whom someone is claiming PPI from?

 

Thank you

Link to post
Share on other sites

Herb Hi,Metropolitan are the Debt Collection arm of HSBC,and yes the PPI refund can be paid into Metro?HSBC to reduce the debt outstanding to HSBC.

 

Your argument that it was paying PPI and interest that partly caused your indebtedness is a good argument ,however I doubt that HSBC/Metro will see it that way.

 

Are you 100% happy with the amount plus interest that HSBC are offering,especially the interest???

 

FS

Link to post
Share on other sites

yes ,I think the amount is fair, and the interest is fair. I have to reply to the letter to agree to the ammount to be paid to Metropolitan. Do you think I should just sign it and send it back to HSBC. Thanks

Link to post
Share on other sites

Herb.Sorry I missed out the wording for the PPI being used against the outstanding debt,it is called OFSET and is very common where a debt exists,the plus side is it will reduce your debt to HSBC by a substantial amount.

 

As long as the PPI payments refund include compound interest and 8% interest and you are happy with the initial PPI amount confirmed by the entries on your statements,then I can see no reason why you should not go ahead,ultimately the final decision is yours

 

Good Luck FS

Link to post
Share on other sites

sorry.

they can only offset against notified arrears!

 

if you are not in arrears , then the PPI you have ALREADY PAID by your monthly payments

should go to YOUR pocket

the PPI YET to be paid comes off the loans outstanding balance.

 

you need to write to them and remind them of the FOS guidelines.

 

and you also need to advise them this puts them at an unfair advantage against other creditors in your DMP.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I agree with dx.. they can only refund the arrears to the account. Anything else should be repaid to you.

 

It is wrong of HSBC to prioritise their debt above any others you have so it might be worth writing to them and saying you only agree for any arrears to be brought up to date. Anything over and above should be refunded to you in order to share it around your other creditors.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Dx and Citizen,you are quite correct they can only Offset against notified arrears,it will depend very much upon the status of the debt,if the account has been closed or as in this case Metropolitan have demanded the full amount ,on behalf of themselves HSBC,I think you will find this (the full amount) will be considered as arrears.

 

Perhaps my interpretation is incorrect,your views will be interesting as I am fighting BC over the same situation almost.

 

Regards FS

Link to post
Share on other sites

I think in your scenario, firstship it would need to be established that the agreement had indeed been terminated after a valid default notice had been issued. If not, then of course they would not be able to demand the full amount.

 

 

Just to be clear.. hertsberg, is this a a locan or credit card debt?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I have had 3 loans off HSBC over a period of 10 years, they would not authorise the loans on the first 2 ,unless I took payment protection out on them, The second loan included paying off the first loan. The third loan , I did not have payment protection on, as they had stopped telling people that they were forced to take out PPI. I only started struggling with my repayments in 2009. The debt owing to HSBC is the third loan, which I didnt have payment protection on. Can they still take the PPI claim money and pay it off the debt owing to them from the third loan. Thank you

Link to post
Share on other sites

Suggest you use DX100uk advice thread 5, write to HSBC and quote FOS guidelines that they can only take that portion of the PPI that will pay the ADVISED arrears,and the balance needs to be paid to you by cheque,and also it puts your other creditors in an unfair position as you are on a DMP, should they HSBC take all of the money,which is not theirs to take in the first place.

 

FS

  • Confused 1
Link to post
Share on other sites

Hi

 

You said that you feel their offer is fair and the interest is fair.

 

ARE YOU SURE?

 

This is a rollover scenario where the ppi you were paying on loan 1 has been rolled into loan 2 and if loan 3 was used to refinance loan 2 then in loan 3 you were also paying back ppi on the previous loans.

 

Have a read of No.1 in my signature.

 

You should really make sure you are getting the correct amount back.

 

I agree with the advice of the others regarding the set-off rules.

 

ims

 

Link to post
Share on other sites

Thanks for your help. Could you tell me what I should write in my letter. Can they take the ppi money ,which had nothing to do with the final ammount owing to HSBC, and take it to pay off some of the outstanding debt. Thanks

Link to post
Share on other sites

yes SAR them

you should really have done calcs first

you will have PPI on PPI and PPI INT on PPI INT

 

your figure [or theirs]

will be very very low compared to what you should get.

 

you are in for a very big windfall indeed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

have a look in the stickies of the hsbc forum

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...