Jump to content
  • Tweets

  • Posts

    • Back home now - Not a wasted trip entirely but did not come back with the car. They took it in straight away at 8 to sort out the navigation which apparently is resolved.  Next was a health check again: 1. Battery = defective 2. Fuel Flap solenoid - Apparently this was on the MPC but I even missed this.  So another one to add to the list of not rectified but vehicle handed to us.  Worst case with this is the flap does not open. 3. Sun Visor - Requires replacing 4. Navigation - Resolved 5. Tyres - The low tread has been deemed as perished - again, I do not understand how this went through MOT the day before collection!  And they also found a nail in the tread - by the looks of it and the lack of miles we've covered, it's been in there a while.  Agreed front right is budget make.   Took a bit of to/fro but all points have been authorised by Sales for Servicing to carry out - essentially as Sales missed this (or were told it was good to sell), they foot the bill.  Internal politics and all fake/virtual money.   The bad news is despite a note to order the battery last week "just incase", it was not done so battery, solenoid, visor and tyres all will be ordered in for tomorrow and resolved tomorrow hence coming back without it today. Upside, after a bit of pushing, I did get an Automatic Q3 70 plate which was the salesmans own demonstrator.   Salesman also apologised for the way he had been/tone used last week so we've put all that in the past (if everything is sorted!)   Finally, raised the fact their MPC states various services need doing.  The service advisor agreed, checked and to my surprise, the day we picked it up, they were completed. I got a printout stating this which included the oil service (even though it was done in September), gearbox service, Haldex (for the quattro system) and brake fluid.   Only thing I need to ask tomorrow is the parts list does not state Gear Box filter which is part of the service on the s-tronics and gear oil seems to be 1x G060175A2.  IF I am reading this correctly, this is only a top up of 850ml and not a complete service which should be around 5-7 litres + filter.
    • as long as returning the car doesn't cost you ...yes. however you are not compelled to do so out of your own pocket. you simply write, if you need too, stating the car is ready for collection at anytime but please advise me first.   but of course, be a wee bit smart here, until/unless the judgement is actually satisfied, it goes nowhere! dx  
    • cause just like people and bank charges and credit card late/over fees or arrears fees on insurance finance or mortgages, MUGS blindly pay them....
    • Premium: How the walls between first and second line begin to fall View the full article
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Change of Terms&Conditions + terminology


Please note that this topic has not had any new posts for the last 5131 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 All, I have just received a letter from HSBC stating that they are changing the terms and conditions of my account with them. The main point of this appears to be to change the overdraft facility and penalties/charges are now "set-up fees". I'll post the full letter, word for word in a sec, but just wondered if anybody else has got this, and what affect (if any) this has on our claims?

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites

September 2006

Dear Mr.Harris

I am writing with your updated terms and conditions and price list, and I'd also like to tell you about some great improvements we've made to our Bank Account Plus.

I recommend that you take the time to carefully read through the terms and conditions. Please pay particular attention to the inside front cover, where the charges are summarised for you. All changes will take effect from 1st December 2006.

Revised Overdraft Service

I would like to draw your attention to clause 7 of section 2 in the terms and conditions relating to our Overdraft Service, which is an additional service to our current account. Our Overdraft Service is a way in which you can borrow money on your current account, and can be requested from us in two ways, either formally or informally.

A formal overdraft request is when you approach us in advance to set up an appropriate overdraft limit for a period of time up to 12 months. Before the overdraft limit expires, we will make contact regarding your ongoing requirements. So if you already have an existing overdraft limit, you do not need to take any action now, although of course, please do contact us if your needs change.

An informal request is where you do not contact us in advance, and debits (for example, cheques or ATM withdrawals) which you have issued are presented to us for payment and either there's not enough money in your account or your balance would exceed any existing formal overdraft limit. If we agree to your request the overdraft will be provided for 31 days. If another informal request is received within the same 31 day period, this will be treated as a new request.

Fair Fees Policy

Our Fair Fees Policy means that we will not charge any fees for agreeing either formal or informal overdraft requests unless they occur frequesntly.

* You will not have to pay for your first agreed overdraft request (formal or informal) in any 6 month period. Each further request in that period may incur an arrangement fee of £25.

* You will not have to pay fees for being overdrawn by £10 or less.

* You will not have to pay more in fees than you are overdrawn by in your charging month.

* You will not have to pay a fee for an informal overdraft request if your account is credited by the end of the same day.

For full details of our fair fees policy please refer to the enclosed Price List.

Many customers find our Overdraft Service invaluable. However, an overdraft is generally intended to cater for short-term borrowing. We will be increasingly contacting those customers who are making regular overdraft requests, to discuss their borrowing requirements and see if we can help further.

 

The letter then goes on to talk about the benefits of paying £9.95 per month for Bank Account Plus.

 

Yours Sincerely

Chris Pitt

Head of Customer Communication

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites

coincedance that this arrived 3 days after sending request for repayment??

 

sceptical? me? never ;)

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites

The 'new' charges are:

 

 

 

 

 

 

 

 

 

 

 

 

 

wait for it.....

 

 

 

 

 

 

 

 

 

 

 

 

 

you're gonna like this.....

 

 

 

 

 

 

 

 

 

 

 

 

 

 

exactly the same as before!!

 

1st overdraft request in 6 months - free

subsequent requests - £25

 

return fees up to £10 - no charge

up to £25 - £10 fee per item

above £25 - £25 fee per item

stopped cheque - £10 per cheque

representation of cheque - £15 per cheque

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites

I got the same 'fair fees policy' letter too, its just another term for charges, if it looks like a dog and barks like a dog, bet your life it is a dog! When my claim is settled I'm going to respond to the letter and tell them that they are still charges and if I am charged again (but I don't really intend to go overdrawn after all this , though you never can tell), then I will take the same action as I am doing now.

Link to post
Share on other sites

I was thinking about that same think today Dlr.

 

Although I don't intend to go overdrawn again after this - it's bound to happen, and I have just realised that I am gonna get charges added this month too.

 

I wonder if I can add these to my current claim, or whether I should just do it again? I wouldn't want to make it easy for them by reducing their workload ;)

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites

no problem natty - wish I was a quicker typer though :(

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites
Guest NATTIE

Teejay- a HSBC claimer doing the thread may add credibility so maybe worth you posting on this one and I will see if we can confer on all charges so that they are as accurate as possible. What do you say? Have a look at the research thread and when we are clear then post it. I think it may well be clear by the weekend although I think we may have to do a lot of reading on the thread. Thanks in advance.

Link to post
Share on other sites

sorry Nat, what you mean?? I'm happy to help in any way I can.

 

I have a nice little booklet that HSBC sent me called "Price List and Interest Rates" - it's like having a menu... I think I'll have the Stopped Cheque with a side order of copied statements please waiter!!

Request for Repayment sent 06/10/06 - fingers crossed

Letter Before Action sent 30/10/06 - still got em crossed

Offer made for £920 (full amount=£1073) 9/11/06

Link to post
Share on other sites

At least HSBC seem to be moving in the right direction (charging fees that were many times the amount you went overdrawn was clearly indefensible anyway).

 

Lloyds TSB, I read this weekend, have just put all their charges UP and removed the buffer. 1p overdrawn means charges.

 

Either

a) Lloyds believe they have some way of defending these unlawful charges, or

b) It's some serious brinkmanship and they think people must believe they're lawful or they wouldn't be allowed to put they're charges up?

Link to post
Share on other sites

Well it is a potential step in the right direction if you only go slighly over your OD limit. Of course if you go way over your stuffed for a while (atleast till you get those letters sent out)

Currently taking action against the HSBC for £2465

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...