Jump to content


  • Tweets

  • Posts

    • thought your story rang a bell. https://www.consumeractiongroup.co.uk/topic/416315-knightsbridgecreditfix-iva-treated-me-very-badly-thinking-of-bk-now-help/ you vanished and never cameback. dx  
    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
  • Recommended Topics

  • 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
      • 161 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
  • Recommended Topics

Lee vs HSBC


LeeS80
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6181 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 all,

 

Just starting my process today, sent SAR letter to HSBC this morning via 1st Class Recorded delivery. They passed on my account ni January 2004 to MCS so I've requested data from them also - I'll post any updates as and when they come in.

 

Bit of background to my claim:

 

Some of my claim may well run farther back than 6 years as I got into trouble from around late 1999 - however I'll still be pressing for the amounts back. The bank were quick to offer me credit & debit cards, flexi loan accounts, personal loans etc. As soon as my circumstances changed I was pretty much pushed into a "managed loan" and things went downhill from there! Account is now closed with HSBC as of 2004.

Link to post
Share on other sites

hi lee

We had the same problem still paying off managed load which we had to take out because all the charges they put on the account.

 

We are at the final stages of our claim now having just been offered a final settlement which we declined.

keep at them Lee it will be worth it n the long run

xxx Ali xxx

Link to post
Share on other sites

Hi all,

 

Latest letter received today,

 

" Reference: FREEPROD/LETOUT

 

2 November 2006

Dear Mr LeeS80

xxxxxxxxxxxxxx/xxxxxxxxxxxxxx

Thank you for your request with regard to information about transactions and charges on your accounts.

We will forward to you copies of statements covering the period in question. These will begin to arrive in separate batches and will be with you shortly.

We are happy to cover any fees for the production of this information and we return your payment.

Although many of our systems are automated, a “manual intervention” by HSBC staff may be required in a variety of situations including; account opening, dealing with correspondence or telephone calls, when deposits or withdrawals are made over the counter at our branches and from time to time during account administration.

If you require more information, please let us know.

Yours sincerely

 

Ian Shepherd

Centre Manager"

I take it this is the same as everyone receives, I await my statements! Quite exciting really!

Link to post
Share on other sites

Right, ready to send off my prelim tomorrow, does this look ok??

 

"Dear Mr Langdale,

Account No. xxxxxxxxx xxxxxxxxx

I am writing in relation to the above account. Upon receiving my statements dating from October 2000 through January 2004, I believe there to have been unlawful charges placed on my account. The total sum of these charges is £913.50. I have enclosed a breakdown of these charges for your reference. Should this matter reach a county court, then further costs will be added as necessary.

I believe these charges in relation to unpaid direct debits total charges and so forth to be unlawful in common law and statute regulations. If you believe this is not the case, I would kindly request a written response with your explanation as to why this might be. I would like this response to include a full and comprehensive breakdown of the costs that HSBC has incurred as a result of my account management.

I would draw your attention to the decision of the OFT who in April 2006 did declare that current bank charges are unfairly high and disproportionate. The Financial Ombudsman has also, in November 2006, launched a full investigation into such charges.

I would politely remind you that it was an implied term at the time of signing my contract that the bank would conduct themselves lawfully and in a manner which complies with UK law. It appears that this has not been the case.

I hope that you will enter into a sincere dialogue with me in relation to the matter at hand. I do not expect to receive an automated computer response to my request. I hereby request that you reply to my correspondence within 14 days. I would request that full and unconditional payment be made by cheque payable to myself.

Should I not receive a response within the allocated 14 days I will assume that you do not wish to comply with my request. I will then proceed to issue a letter before action in which a further 14 days will be granted. I believe this time period to be fair. Should I not receive sufficient correspondence within this time, I shall begin proceedings with my county court to recover the costs."

I've taken the template and jiggled it around a bit, just to be different! Anyone think this is ok or not ?

Link to post
Share on other sites

Right, ready to send off my prelim tomorrow, does this look ok??

 

"Dear Mr Langdale,

 

Account No. xxxxxxxxx xxxxxxxxx

 

I am writing in relation to the above account. Upon receiving my statements dating from October 2000 through January 2004, I believe there to have been unlawful charges placed on my account. The total sum of these charges is £913.50. I have enclosed a breakdown of these charges for your reference. [should this matter reach a county court, then further costs will be added as necessary.] - Maybe this bit is unnecessary?

 

I believe these charges in relation to unpaid direct debits total charges and so forth to be unlawful in common law and statute regulations. If you believe this is not the case, I would kindly request a written response with your explanation as to why this might be. I would like this response to include a full and comprehensive breakdown of the costs that HSBC has incurred as a result of my account management.

 

I would draw your attention to the decision of the OFT who in April 2006 did declare that current bank charges are unfairly high and disproportionate. The Financial Ombudsman has also, in November 2006, launched a full investigation into such charges.

 

I would politely remind you that it was an implied term at the time of signing my contract that the bank would conduct themselves lawfully and in a manner which complies with UK law. It appears that this has not been the case.

 

I hope that you will enter into a sincere dialogue with me in relation to the matter at hand. I do not expect to receive an automated computer response to my request. I hereby request that you reply to my correspondence within 14 days. I would request that full and unconditional payment be made by cheque payable to myself.

 

Should I not receive a response within the allocated 14 days [i will assume that you do not wish to comply with my request.]- also not needed? I will then proceed to issue a letter before action in which a further 14 days will be granted. I believe this time period to be fair. Should I not receive a positive response within this time, I shall begin proceedings with my county court to recover the charges."

 

I've taken the template and jiggled it around a bit, just to be different! Anyone think this is ok or not ?

 

Just my opinion :)

 

best of luck with this

Link to post
Share on other sites

  • 3 weeks later...

Sent my prelim off on 9th, and have had to wait until now for royal mail to tell me it is considered missing. :mad: I sent this recorded delivery so I guess I'll have to re-send!! What a pain, another two weeks wasted, mind you, the extra money will come in handy after christmas!! :grin:

Link to post
Share on other sites

  • 4 weeks later...

20/12/06

 

Received reply from Colin Langdale.

 

"Thank you for your letter dated 9 November 2006 concerning your request for a refund of bank charges. I apologise for not yet having fully completed my investigation.

 

I will contact you again by 5 January and expect to be able to provide you with a full response at that time.

 

In the meantime I would like to thank you for your patience and enclose a copy of our leaflet which explains how these matters are dealt with. If you need to contact us please quote the above customer reference number."

 

Must admit I didn't expect a reply like this, more of a fob off letter! Anyone else received this type of response? I have my LBA ready to print and send on 5th Jan just in case the response from Mr Langdale is not favourable.

 

Cheers,

Lee

Link to post
Share on other sites

Mornin' All,

 

Had another letter this morning from Mr Langdale.

 

"Ref:xxxxxxxxxxxx —xxxxxxxxx xxxxxxxxThank you for your letter dated xx November 2006 regarding your charges of £1252.81.

The bank does not agree with your contention that the charges that have been imposed constitute a penalty and are therefore unenforceable. The contract between the bank and its customers is governed by our Personal Banking Terms and Conditions. In respect of overdrafts, I would refer you specifically to clause 7.11 in section 2. If you authorise a payment that would, if met by us, lead your account going overdrawn or over an agreed limit the bank considers whether or not to make this payment and a fee is payable for this service.

 

Our fees and charges are clearly stated in our published price list and the circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy when you opened your account.

 

Whilst I accept that this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank’s position. If you are not satisfied with the bank’s response you should now refer your complaint to the Financial Ombudsman Service, as this represent our final response on this matter.

 

Yours sincerely

 

Cohn Langdale

Senior Service Quality Officer"

 

 

As Claire said, they were trying to buy more time. I'm happy that I've got this before 5th though, because now I can send off my LBA on Tuesday! :)

Link to post
Share on other sites

TO EVERYBODY WHO HAS RECEIVED A LETTER FROM THE GOOD COLIN.....................

STICK TO YOUR ORIGINAL TIMETABLE -

if he can get a couple of dozen (hundred - thousand) to hold off til he looks into it - what a vision that gives us...........

he's buying time - your time - your money...................

IGNORE THE STALLING TACTICS!

Link to post
Share on other sites

Lee, looking at your prelim letter you asked for £913.50. Have they offered you more than you asked for?

 

BTW you didn't need to wait for his reply before sending off your LBA, you've given them 7 weeks to reply to your prelim letter.

Link to post
Share on other sites

Hi Bong,

 

I did ask for £913.50, but the letter he says he received dated 9th November didn't get delivered (according to Royal Mail). I sent another one couple of weeks later identical in content.

 

I didn't wait to send LBA, it's just that I was away before christmas etc, and by the time I'd got paperwork sorted, Christmas was here.

Link to post
Share on other sites

TO EVERYBODY WHO HAS RECEIVED A LETTER FROM THE GOOD COLIN.....................

STICK TO YOUR ORIGINAL TIMETABLE -

if he can get a couple of dozen (hundred - thousand) to hold off til he looks into it - what a vision that gives us...........

he's buying time - your time - your money...................

IGNORE THE STALLING TACTICS!

Could not agree more!

Link to post
Share on other sites

  • 1 month later...

No they will wait until the very last minute to enter a defence so don't expect any change for a few weeks. It is possible that you will get a partial offer but it will probably be about 10% short of what you are claiming just to see if they can entice you into settling without having to pay back everything!!

Guide to claiming back your bank charges

 

Most of your questions can be answered by following this link.

Link to post
Share on other sites

  • 3 weeks later...

Once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

 

Quote:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

Yours sincerely,

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

 

Quote:

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

 

(If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph)

 

 

I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited

 

If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court.

 

Yours sincerely,

Link to post
Share on other sites

Cheers Laterlus, thought that was the case, best to check first! Letters sent today. They acknowledged the claim on 27/2 with no further correspondence yet. Here's hoping!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...