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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Bizarre Letter including a cheque received from HSBC....Scam ?or dangling a carrot for fishing? confused...


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To update the op and this thread.

 

I tried to call HSBC only to be on hold for 30 minutes and then cut off 🤬

 

Today, I went into HSBC, the letter is from HSBC, the letter is genuine and the guy even showed me a copy of the same letter addressed to me on his tablet.

He was shocked that the telephone number comes up as a scam number in Google searches but I also pointed out that the number is not listed in HSBC's own phone book in their help section.

 

He had no comment on how they found my new address, nor the reason as to why.

 

I will now be sending HSBC a SAR request and want to know more.

 

Stigman

 

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NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Have you used any comparison website, bought Insurance  or added your information to any companies databases in the last 12 months ?

 

It is very difficult to be off the radar data wise. Your contact information will have been made available to HSBC.

We could do with some help from you.

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6 minutes ago, Andyorch said:

 

I don't believe this is related, the amounts we are all getting are the same, they don't match the level in which this article refers too, and it's not actually relevant to my setup, as this was related to a business account which wasn't mine, I was never charged for unarranged overdraft

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Like @Stigman i too tried ringing HSBC on their genaral number couldnt get through,  I messeged them , they replied back saying it sounds geniune as they have been refunding some customers( even though im a former)  and asked if i could send a copy of the letter,

 

i sent them a copy with sensitive data edited out ,and also wrote highlighting the fact that the account number(i:e: the last 4 digits) on the letter doesn't not  correspond to any  account numbers ( any part of the number in fact )i may have hadwith any HSBC entity ,  i had about 11 years ago.


the replay i got back  was apologising for their late reply saying the letter is genuine and "If you would like to confirm the reason why this letter was sent to you, please call the business review centre & gives that number on the letter" point to note the letter i got did not  mention "recoveries & collections"  a subsequent reply states you will have to confirm your details ,DOB, address etc..etc... just as on the letter..
erm... I Think Not.

 

in the meantime i can see lots of people complaining on their social media pages  that their PM/DM s havent been answered for weeks , they answered mine 3 times in 3days 🤔

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4 minutes ago, listless said:

"If you would like to confirm the reason why this letter was sent to you, please call the bussiness review centre & gives that numberon the letter"

 

I just don't like the smell of this at all, certainly not worth the £25,  i'll stick with my tried and tested method of ignore :)

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I received one of these cheques also. I received a £50 cheque but it was because I had two accounts. I have a feeling that these are compensation for people who did not claim PPI. I am guessing no-one on this post claimed for PPI.... I also checked the address on the letter and it's an HSBC related insurance business. 

 

I know that it's probably hard to believe that a bank would compensate people for anything without pressure to do so; but in my mind I actually think that with the current climate.

 

Banks particularly are trying to help people; they are losing money hand over fist because they are losing wealth from people who are suffering due to furloughs and job loss etc.

 

Perhaps it would be more humane to not doubt so quickly and actually believe that although in the most part banks are ravenous scavengers and lets face it £25 is nothing but a token effort I probably could have claimed thousands through the PPI scheme. But I chose not to.

 

Money isn't everything. I have enough going on with my life without filling out unneeded paperwork. Traipsing through my financial history etc. Just bank the damn cheque and don't be a fool lol.

 

£25 buys you a nice bottle of bubbly for Christmas and how many scammers are willing to give you money in order to take it. I work in IT and if you also look at the redirect of the details of the URLs that you were given in the letter they are legitimate and not spoofed.

 

I don't bank with HSBC/First Direct anymore and from the sounds of it neither do many of you.

Are you suggesting that hackers could infiltrate every banking network in the world if this is a scam???? 

Edited by s3r3n31
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I received exactly the same letter/cheque amount/style as Stigman, this was on Saturday 28th November. Certain things on the letter,wording and presentation just don't add up. shout SCAM!!!!

  • www.hsbc.co.uk/mydetails doesn't take you to that page
  • 0345 587 3533 been used as a scam no# with text/links etc
  • HSBC red logo up top of letter,black logo on cheque(wouldn't be the case)
  • 9-5pm Mon-Friday, except public holidays, can't see HSBC working to those hours and especially not weekends.
  • "we're here to help section" nothing relating to that on the letter anywhere.
  • QR code on cheque, just comes up with random crap..tried this on my bank app.
  • End of the letter would have a persons name and possible a signature,again nothing of that nature.
  • Address on back relates to HSBC life insurance and not actually HSBC themselves.

The only things that looked remotely legitimate were the sortcode and account no# and the registered address on the back. Let's be fair, anybody can get these details of the internet.

 

Get the impression they're relying on people calling in on the no# on the letter to clarify on why they have this letter, then they get people d.o.b/address/bank deets/maiden names etc via confirming these back to whoever down the other end of the phone.

 

Be interesting to see what other people make of this, and yes I just ripped and shredded everthing up.

.

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16 hours ago, unclebulgaria67 said:

Have you used any comparison website, bought Insurance  or added your information to any companies databases in the last 12 months ?

 

I updated our details as we recently moved (May this year) with a certain price comparison website that uses a small mongoose as well as his servant and family as their advertising.

 

I had not connected the two and have had no searches by anyone on my credit reports that I receive.

 

Stigman

 

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Same here no searches on my reports ,but im on the electoral register ( for the last 6 months -thats after about 12 years i guess),not on the public register though  and I haven't done any searches  comparison websites in my name either.

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Very Interesting, from the latest  HSBC Interim Report 
These payments clearly relate to this 
HSBC will not comment further until the investigation is complete 
 
 
Various HSBC Group companies, including HSBC UK, are subject to an ongoing investigation by the FCA in connection with collections and recoveries operations in the UK. HSBC UK is cooperating with the investigation. There are many factors that may affect the range of outcomes, and the resulting financial impact, of this matter, which could be significant.
 
 At 30 June 2020, a provision of £227m (Dec 2019: £220m) was held relating to the estimated liability for redress payable to customers following a review of collections and recoveries practices in the UK, including HSBC UK. During the first six months of 2020, redress payments and incurred operating costs totalled £9m.
 
 The provision has been estimated based on a number of customer cohorts who may have been impacted and a number of assumptions which are highly judgemental. The provision has been adjusted to reflect latest available information, but remains subject to significant judgement. Operating costs for the programme have also been reassessed, and the provision has been increased by £16m as a result of these factors.
 
 Work to identify relevant data continues, and there is significant uncertainty surrounding the total number of customers affected and the amount of any redress to be paid. Redress is expected to be completed during 2020.
 
Work to identify relevant data continues, and there is significant uncertainty surrounding the total number of customers affected and the amount of any redress to be paid. Redress is expected to be completed during 2020.
  
 

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 I should have updated earliar ,but here it is

 

i did call the number on the letter  early on Monday and got through within 15 mins on Monday, did seem like a   local call centre.


I told them about the letter and how the social media teams asked me to call to get details as to why the letter was sent they said the same as the letter . when i mentioned the letter does not mention collections/recoveries ,

 

i was very careful about not giving them any extra details they did ask for DOB & address I said im not giving any as all you need is the ref and my name as on the letter, & the cheque would verify if it is only my bank account it shouldn't be a problem. besides i didn't know if this really was HSBC as it does not appear on the HSBC phonebook 

 

@Stigman  mentioned earlier  , just gave the reference number and asked what this was about i was Extremely polite.


 i said as  i dont know what this account number is , they asked if i had a CC i denied it , then they asked if i had some thing called a "managed loan"  ( i read what these were from another thread )

 

i said i haven't had any loans, cc or any bank accounts with them at all ( in effect i only had a CC defaulted in 2009 last payment 2009 ,never acknowledged as you know above in the thread later).when i said no  this seemed to throw them in to a bit of a faff and put me on hold for about 10 mins.

they came back apologised and asked about HFC & JL accounts , i admitted to the HFC but said that was paid off  fully before time years ago , and it had nothing to do with collections/recoveries  and the account number doesn't match anyway . so on hold again for about 5 mins came back said they currently do not know why i have been sent the letter!!!!


but i can bank the cheque as their reviews have identified that i needed to be compensated even though they didn't know why :) lol. Apparently there are no conditions attached.

 

Apparently they will call me back, at this point i interrupted  i want to go this on record to say never to call me back , and to put it writing saying the matter is closed.

 

believe  it or not she said OK and said she wrote it notes to say that i requested in writing not to bother me again  apologised again and hung up.


this is becoming more & more bizarre . lets wait and see if the letter confirming this is closed arrives or not , I will update

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i was going to say i wonder if this is all to do with these HSBC Managed Loan

They really were out of order upon what they did to 10'000 of people by doing those without express agreement from the customer.

 

but my bet lay with HFC and all their other names..

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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No wonder HSBC have set aside £ 227 million to deal with this, seems that the problem is systemic amongst the banks
We await the full details, but it seems to me that £25 won't cut it!
A small detail buried on page 30 in Barclays’ full results for H1 2020, published on Wednesday, July 29 2020, shows that since February 2018, the FCA has been investigating whether the group implemented effective systems and controls with respect to collections and recoveries and whether it paid due consideration to the interests of customers in default and arrears. 
Barclays and HSBC refuse to comment until the investigation is completed 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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dx ,

I guess since they asked about a managed loan it may be so that also comes in to the equation,

 

but as to me  - i did not have one at least knowingly so , as i had just the CC. but again no account number match

 

but then again when i denied having one, ,they still should definitely have known why they sent it , instead of saying they cannot identify why it was sent ,

 

surely they must have a note under that reference number once they bring up details on screen  . 😮

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if you only had a CC and no bank a/c it wont be the managed loan issue.

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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Had same letter they are giving me a Christmas present because they didn’t do a good job collecting a debt which I can’t even remember . Well I don’t believe in Father Christmas they must have some Devious motivation . Put mine in the bin!

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dx yes same thought came in to my mind. only everyone seems to recognise the account number except for me. oh well it is what it is !! will be keeping an eye on this thread  for other posters too

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  • 2 weeks later...

@Stigman , apologies for addressing you directly , just want to ask if you had deposited the cheque or not?   my bank does not have online deposit  and i dont want to go out to the city center to the only branch , but im thinking  of getting a starling account which has this feature . in the mentime HSBC havent got back to me about what this  account number is ,i asked them to write to me because on the phone they did not know , still no news on that .
did you get any news on the SAR?  probbly not enough time?
 

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Yes trying to convince the regulators that they have acted properly towards their clients makes some sense however this means they have records going back over a decade,  I bet they turned down lots of PPI saying their records only go back a little while bla bla bla. Anyone who had a claim turned down on those grounds should go to the regulator and accuse HSBC of telling porkies!! perjury is a criminal offence i believe . As I said earlier No Father Christmas!! he has been arrested for crossing from tier 3 to tier 4 without reasonable excuse!!

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Never Had PPI with HSBC in fact they dont even know what this account is ,neither do i😄.
Father christmas will have to  use santiser & disinfectant though  leave them by the door.

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