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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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HSBC Loan! Help


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Hi,

 

 

I have applied for a HSBC loan for 7500 pounds but have been referred online, When I rung up the customer service rep. was also surprised along with his supervisor of why I have been rejected. My case has been forwarded to a team for review.

 

What I don't understand is, that I have never missed a single DD payment ever in my life. I had a HSBC loan for 2,000 which I settled a day before applying so that I have no loan with HSBC, which should have been a good thing as I have settled the loan early. I have an overdraft, a credit card with vanquis.

 

I have a permanent income which is well above the average wage as I'm a higher education lecturer.

 

I've been told by HSBC over the phone that I'll be contacted in one working day i.e. Saturday (as they are open on Saturday).

I really don't know what has happened as I have never even missed a single dd for my TV license. HSBC have really put me off because I have been banking with them for such a long time and have such a good history with them.

 

I hope HSBC get back to me with good news, but I don't understand why I was referred online, as I had settled my existing loan a day before, and I had never missed a single payment for that loan. So why have I been referred.

 

Kind Regards

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check your cra file

 

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... 

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but is the account showing - oopps wrong thread.

 

ok well you need to write to them and ask why you have been refused

 

you have a right to know.

 

dx

 

 

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... 

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I'd personally advise you not to go with HSBC. To cut a long story short, HSBC put a "default" on my credit file WITHOUT notifying me and I couldnt get a mortgage for a house last year as my credit checks came back failed several times. So in the end I purchased my credit file and it said "HSBC Default of £216.49" which wasnt my fault in the first place.

 

Now if they didnt notify me that they we're going to do doubt they would discuss your refusal.

 

You should be able to get credit with a good credit record. Make sure you dont have any defaults on there.

 

Personally I would go with TSB or Natwest for bankign/credit etc.

 

Goodluck and let us know the outcome.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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I have had a call from them saying that they will be offering me an APR of 17.4% after doing some FURTHER checks! I mean they had an offer on for 6.2% APR, and now this is what they are doing. They have given me a further 48 hours waiting time for the final checks! I have been banking with HSBC for so long, last time I applied for a loan for 2000, It was in my bank account in 5 minuted, I have settled that loan and don't know why this time they are taking so long. I have banked with HSBC all my life and they are the only ones I bank with.

Further to this, HSBC have been telling me to transfer my credit card with them for so long, everytime I ring them, after this hassle should I really transfer my credit card with HSBC?

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you shouldnt always restrict yourself to 1 bank!! If you have a few accounts and remain good with the different banks this allows a good relationship for you and the banks to establish!! So such issues can be resolved a lot quicker!

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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with regard to the rate of the loan, you may just simply be in the wrong postcode

 

You can have a perfect payment history but if you live in an area where a number of people have failed to pay then you are tarred with the same brush unfortunately....

HTH (Hope This Helps) RDM2006

 

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  • 1 year later...
Hi,

 

 

I have applied for a HSBC loan for 7500 pounds but have been referred online, When I rung up the customer service rep. was also surprised along with his supervisor of why I have been rejected. My case has been forwarded to a team for review.

 

What I don't understand is, that I have never missed a single DD payment ever in my life. I had a HSBC loan for 2,000 which I settled a day before applying so that I have no loan with HSBC, which should have been a good thing as I have settled the loan early. I have an overdraft, a credit card with vanquis.

 

I have a permanent income which is well above the average wage as I'm a higher education lecturer.

 

I've been told by HSBC over the phone that I'll be contacted in one working day i.e. Saturday (as they are open on Saturday).

I really don't know what has happened as I have never even missed a single dd for my TV license. HSBC have really put me off because I have been banking with them for such a long time and have such a good history with them.

 

I hope HSBC get back to me with good news, but I don't understand why I was referred online, as I had settled my existing loan a day before, and I had never missed a single payment for that loan. So why have I been referred.

 

Kind Regards

 

You state you paid off a loan the day before? alarm bells as to why may have rung? HSBC work in a world of their own

:mad2::-x:jaw::sad:
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I'd personally advise you not to go with HSBC. To cut a long story short, HSBC put a "default" on my credit file WITHOUT notifying me and I couldnt get a mortgage for a house last year as my credit checks came back failed several times. So in the end I purchased my credit file and it said "HSBC Default of £216.49" which wasnt my fault in the first place.

 

Now if they didnt notify me that they we're going to do doubt they would discuss your refusal.

 

You should be able to get credit with a good credit record. Make sure you dont have any defaults on there.

 

Personally I would go with TSB or Natwest for bankign/credit etc.

 

Goodluck and let us know the outcome.

 

 

And this is a warning to you by one who knows!

:mad2::-x:jaw::sad:
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Guest purplemushroomfairy2

Don't put all your eggs in one basket, HSBC can be tricky to deal with. Dealing with them for years, if you can get the best rate credit card you can, but not with your bank. I have found Natwest to be very good and supportive through hard times, I also have Barclays for day to day.

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