HSBC - Request for T&Cs

[Holty_74]

Hi there, first time forumite so please be gentle.

 

I have an extremely long running case with HSBC over our credit card bill and I now find myself in a very specific situation and I'm not sure where to go for help.

 

 

As a very brief summary;

• I tried over the phone to pay a sum from the outstanding balance that was over the minimum payment
  
• I was told I could only make the minimum payment over the phone and for anything greater than that, I'd need to go into the branch
  
• I went to the branch and the only way they'd let me pay was with cash, not card
  
• When I complained, I was told that this was in the T&Cs that I signed, 12 years ago when I opened the account
  
• I asked for a copy, under the relevant Civil Procedure Rules and they wouldn't provide me with them
  
• I've complained to the Ombudsmen, they've ruled in HSBCs favour
  

My argument is that if they are imposing practices that they say that I agreed to when I signed the agreement, they should be able to demonstrate that I have indeed agreed to it. Without this evidence, their practices are unfair and they should have let me make a payment, for any amount I liked, via any channel available.

 

I have experience of working in the Financial Services Industry and I know that Credit Card companies will (and do) make it as difficult as possible to clear down balances (ask your card company to explain residual interest for example, it's great fun listening to them try). But given that the FOS has ruled against me, I'm not sure where to go with this now.

 

I've been fighting the good fight since January 2012, I don't want to give up.

[rebel11]

Hi Holty

 

Welcome to CAG

 

The guys will advise as soon as they are available.

 

In the meantime there are some T & C's in the following thread:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?95312-HSBC-T-amp-Cs-HERE/page3

[citizenB]

Yes, indeed - if they are referring to terms and conditions that you signed, then they should be able to provide those.

 

Was it a debit card/ cash card you tried to make payment with or another credit card ?

 

I am also puzzled that the telephone banking wouldnt accept more than the minimum payment - very bizarred.

 

The decision you have received from Financial Ombudsman - was it a first tier adjudicator or an Ombudsman decision ? If the former, you have the right to insist that an Ombudsman proper reviews your complaint.

 

You might want to have a read of the BCOBs articles in my signature - hightlighted in green. It would appear you have been treated quite unfairly.

[citizenB]

If you are able to scan the FOS decision letter in for us to have a read of, it would be interesting to see in what way they have backed HSBC in this.