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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • BankFodder
      EVRI have lost parcel £300 model kit

      By BankFodder · Posted

      Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • T911
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By T911 · Posted

      "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • Strider713
      EVRI have lost parcel £300 model kit

      By Strider713 · Posted

      I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
    • LilMissM
      Can I get a Cifas marker removed?

      By LilMissM · Posted

      Sorry  Noted x

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

OH's HSBC PPI Reclaim - offsetting? - help

Rohannah
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  • 2 weeks later...
MSAR

MSAR

Posted
Posted

Filed my claim last October . FOS have made an initial judgment in my favour last week. Final decision due early February. I was fortunate enough to have signed my credit card agreement using a workplace address.

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  • 3 months later...
Rohannah

Rohannah

Posted
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Posted

Hi,

my husband finally had his PPI complaint against HSBC upheld in March,

 

he received his offer of redress shortly after

 

however on the acceptance form the redress will be paid to MCS.

 

The problem with this is at the moment MCS do not have the CC account that the offer relates to,

but they do have the overdraft and the loan.

 

HSBC is still collecting payment for the CC the most recent being taken this week.

 

I have asked for clarification on this some weeks ago but have had no reply from the bank ,

 

MCS did acknowledge the letters sent to them putting the account into dispute until the redress is deducted from the CC debt .

 

I have not seen posts on a similar problem so I have no idea whether or not I am taking the right approach.

 

Anyone had a similar experience ?

 

Rohannah

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dx100uk

dx100uk

Posted
Posted

so do MCS [whomever they are?]

 

own the debt?

 

look on 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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Rohannah

Rohannah

Posted
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Posted

Hi Dx,

MCS is HSBC's own collection department and the CRA still shows HSBC as creditor . The redress must go towards the debt I know but as it will greatly reduce the CC debt I feel that is the debt it should come off, before it gets passed to collections.

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dx100uk

dx100uk

Posted
Posted

as I suspected then

 

they can sadly off set where they like

 

i'd ask them [as its the in house dca anyhow!!]

 

WHY they cant take it off the CC as that is incurring interest.

 

good move.

 

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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Old Cogger

Old Cogger

Posted
Posted
as I suspected then

 

they can sadly off set where they like

 

i'd ask them [as its the in house dca anyhow!!]

 

WHY they cant take it off the CC as that is incurring interest.

 

good move.

 

dx

That would mean HSBC being helpful! No not them, wonder if it would work could try?

:mad2::-x:jaw::sad:
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Rohannah

Rohannah

Posted
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Posted

Thanks for the input,

 

when I put the account into dispute with MCS I did so because in my mind the figure they were attempting to collect on was incorrect

and as they appeared to have no knowledge of the complaint being upheld

 

I sent them a copy of the letter from the FOS and explained why I was disputing their right to collect the amount quoted.

 

The bank may have the right of set-off but their in house collection department agreed to suspend collection activities until the matter was clarified,

 

the offer letter from the bank merely states that the offer if accepted will be paid to MCS ,

it has not been accepted yet and it may be that if they are making it a condition of the redress

without stating exactly where they intend to use it they are not following guidelines- again .

 

I'll give it another couple of days and write them again.

 

...you can only try.

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Old Cogger

Old Cogger

Posted
Posted

Difficult as you say can only try! I claimed PPI from HSBC (loan) few years ago and they credited my account which details I gave them, they did not even mention crediting to credit card etc?

:mad2::-x:jaw::sad:
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Rohannah

Rohannah

Posted
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Posted

Hi Mike,

 

I think they've got a bit hacked off since then it's not been easy for them you know :roll:.

 

MCS was trying to collect on this CC last year but when I wrote and told them they had the wrong account number for the card

it was corrected to the number for the OD which was ok except they messed up the amount to be paid.

 

I don't know if you had the same format

 

OH was making payments to HSBC but when the accounts were passed to collections

the payments to HSBC bounced back so he knew they definitely had been passed over,

 

to date the CC payments have not bounced back so ergo MCS have not got the account-yet.

 

I'm just grateful that these are the only debts he has although I'm told it's a bit harder to deal with a sole creditor

I wouldn't want to put it to the test.

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  • 1 year later...
Rohannah

Rohannah

Posted
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Posted

Quick update

 

out of the blue the bank coughed up the PPI and have recently deducted it off the credit card debt, very odd it's not as though they were being chased for it . Hope every one is well

 

Ro

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Quick update

 

out of the blue the bank coughed up the PPI and have recently deducted it off the credit card debt, very odd it's not as though they were being chased for it . Hope every one is well

 

Ro

 

 

Hello Rohannah well some result there!!

 

 

Personally I don't think they should have offset against the debt, you should have had all the refund and then decided what to do with it.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Rohannah

Rohannah

Posted
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Posted

Hi Brig

 

great to hear from you,it would have been nice if the bank had considered offering the cash but at least it's made a dent in the amount owed. It appears they sold the debts on

 

shortly after they deducted the ppi , c'est la vie as they say

 

Ro

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Old Cogger

Old Cogger

Posted
Posted
Hi Brig

 

great to hear from you,it would have been nice if the bank had considered offering the cash but at least it's made a dent in the amount owed. It appears they sold the debts on

 

shortly after they deducted the ppi , c'est la vie as they say

 

Ro

 

O.Hs credited to our old overdraft account, yet they knew there was outstanding charges etc under hardship rule.

:mad2::-x:jaw::sad:
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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Hi Brig

 

great to hear from you,it would have been nice if the bank had considered offering the cash but at least it's made a dent in the amount owed. It appears they sold the debts on

 

shortly after they deducted the ppi , c'est la vie as they say

 

Ro

 

 

 

 

Always some drawback to every success it seems Ro,

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Rohannah

Rohannah

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Hi Mike,

 

how are you and your wife these days ? I've been out of the loop for a while but I may be needed to write a few more letters :-( I had a quick tour round the forums this week it doesn't look like it's getting any better to me,

Ro -- about to lose it with this charm bar thingy

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Old Cogger

Old Cogger

Posted
Posted
Hi Mike,

 

how are you and your wife these days ? I've been out of the loop for a while but I may be needed to write a few more letters :-( I had a quick tour round the forums this week it doesn't look like it's getting any better to me,

Ro -- about to lose it with this charm bar thingy

 

 

Hi R, we moved Wales to live late last year, R is going to look for a job here, that night shift she was doing was a killer, she has problems sleeping after 5 -6 years of night work,, How is Mr R ? both you well I hope, nice to get update from you, take care keep us up to date, Bye for now.

:mad2::-x:jaw::sad:
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Rohannah

Rohannah

Posted
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Posted

Hi Mike,

 

it takes forever to adjust after night shifts , oh is very quiet at the mo I've dashed off a couple of cca requests for him although I'm not sure they achieve anything really .I hope you like living in Wales depending where you are it can be very different hope R gets a decent job soon

 

Ro

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Old Cogger

Old Cogger

Posted
Posted
Hi Mike,

 

it takes forever to adjust after night shifts , oh is very quiet at the mo I've dashed off a couple of cca requests for him although I'm not sure they achieve anything really .I hope you like living in Wales depending where you are it can be very different hope R gets a decent job soon

 

Ro

 

 

 

 

 

Hope she does , keep us up to date regarding CCAs always interested R,.

:mad2::-x:jaw::sad:
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  • 3 weeks later...
Rohannah

Rohannah

Posted
  • Author
Posted

Hi

 

got answer from DCA regarding CCA's for credit card and loan,

 

the cc was acknowledged but no agreement sent (overdue now )

 

but not the loan as it has now become a current account

which is not covered by the regulations because it does not give credit.

 

I have to assume it has been combined with the overdraft but as no-one notified my husband this was the case

 

I have written a letter to the DCA requesting that they at least provide the signed agreement for it .

 

best wishes to all

Ro

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