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    • Hi all, the company have just called me and offer me £500 to get myself a sat-nav...   So if admin team want to scratch this topic from the record, please feel free...   If not then thank you anyway 😃
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    • Hey everyone, I am hoping I can get some guidance with a car I recently purchased.   I have been looking around for a newer car and thought I would check out those internet car seller folks.   I found a car I liked and the description said it had all the things I wanted, so I paid the deposit, applied for finance, which I got, and opted for a PCP contract, paid my deposit and got my order confirmed. The car was delivered on Monday 1st June. First I must say that overall I am really very happy with the car, it is almost exactly what I wanted, I am delighted with the general condition, the way it drives and would not be too keen on letting it go if I have no need to do so.   So, the first thing, it was just under 700 miles over the quoted mileage, and I know that's not a lot. Still, that's not the point, the number is excessive, considering the place it came from is only about 200 miles from me. I have spoken to them about the mileage. They said it was a clerical error, which I do not believe, they have however agreed to refund me for 400 miles, which I decided to accept as I figured at least they have agreed to pay for just over half of the miles and did not want to be too unreasonable about it.   The second thing, and this is the one that is really the stumbling block. The cars headline said: 'FORD FIESTA HATCHBACK 1.0 EcoBoost 125 Titanium X Navigation 3dr'. Though the full advert is no longer visible, part of it still is, https://www.buyacar.co.uk/ford/fiesta/fiesta-hatchback/1-0-ecoboost-125-titanium-x-navigation-3dr-73955 and this is the car I bought.   So after checking it over upon delivery, and going around it with the delivery chap, all looked fine, and I decided a little drive was in order.   So off I went to put some fuel in, and while at the fuel station figured I would check out the sat-nav and this is where the problem is, there is no sat-nav. I checked the book, there is no slot for the navigation sd card, no button to turn on the nav, aka, no nav, none.   So I emailed them, and the response I got was: 'Thank you for your email, and I am sorry to hear you are not fully happy with your new purchase. This vehicle was not advertised with Sat Nav, so I am unsure where you feel you read the description you have provided?' ... ... 'In regards to the description of the vehicle, I have checked this on the order form, and the finance documents that were both sent to you and signed and the description of the vehicles reads as FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback.'   So I have pointed out the fact that there was not only a headline stating that the car was Navigation version but further, down the page, there was also a mention of it.   I also said to them, despite me signing said documents, I felt no need to recheck it because the wording navigation appeared several times in the advert which was enough for me to accept it was a version with navigation.   I also said, the order form nor the finance documents also make no mention of other stuff either like climate control, automatic folding mirrors, infact they do no mention any features, only that it is a FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback, so I have refused to accept this as an excuse and an attempt to lay the blame for this mistake at my feet. I honestly thought I was purchasing a car with sat-nav, based on the information provided by them.   I am awaiting a call from them but they have so far today failed to get in touch so figure I would use this waiting time to ask some of the more experienced members about their thoughts on where I stand with this.   Am I in a position for example to ask that they fit sat-nav? If they ask for the car back and put me in a position with no car again how does this work out? Am I flogging a dead horse?   Any advice please would be very much appreciate.   Thanks all.
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Rasta vs HSBC

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Hi All

 

Ok, I downloaded all of my past 6 years statements for 2 accounts. One Joint and one personal.

 

The Joint has a total of £950 charges

The Personal has a total of £740 charges

 

I dedided to deal with the 2 seperatley and so I have sent a preliminary letter for both accounts with a spreadsheet of the charges (without interest). Should I have just made one claim for the 2 acounts?

 

I have stated that they have 14 days to re-credit me with these charges.

 

Do I need to do anything else in the mean-time?

 

I know I have to proceed with a LBA after the 14 days, should I wait for a response before i send this? Or wait to receive a response even if it takes longer than 14 days to receive one?

 

Has anyone else managed to get an offer after the preliminary letter from HSBC? Or should I prepare myslef to have to take it further (i hope not).

 

Nice to meet you all.

 

Rasta

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Hi All

 

Ok, I downloaded all of my past 6 years statements for 2 accounts. One Joint and one personal.

 

The Joint has a total of £950 charges

The Personal has a total of £740 charges

 

I dedided to deal with the 2 seperatley and so I have sent a preliminary letter for both accounts with a spreadsheet of the charges (without interest). Should I have just made one claim for the 2 acounts?

 

I have stated that they have 14 days to re-credit me with these charges.

 

Do I need to do anything else in the mean-time?

 

I know I have to proceed with a LBA after the 14 days, should I wait for a response before i send this? Or wait to receive a response even if it takes longer than 14 days to receive one?

 

Has anyone else managed to get an offer after the preliminary letter from HSBC? Or should I prepare myslef to have to take it further (i hope not).

 

Nice to meet you all.

 

Rasta

 

hi

1. you are right to deal with them seperately. when you have to claim in court you can add the chages together. hsbc has never given an offer at the prelims for that matter i don't think any bank has.

2. wait 14 calender days for respose if not go on to next stage.

3. questio and answers this will help u even more

4 be prepared to take thebank to court, it is your money.

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Hey Rasta,

 

My prelim was sent on the 2nd so looks like we're roughly in the same place!

 

Think I'm just going to follow the normal path, prelim, 2 weeks later LBA, then mcol etc and await correspondence!

 

Will be watching your thread :)

 

Good luck, Christy

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Hey Rasta,

 

My prelim was sent on the 2nd so looks like we're roughly in the same place!

 

Think I'm just going to follow the normal path, prelim, 2 weeks later LBA, then mcol etc and await correspondence!

 

Will be watching your thread :)

 

Good luck, Christy

 

Hey Christy

 

Also with HSBC I presume? Keep me posted of your status, i dont mind you hijacking my thread as it seems we are at the same stage. :)

 

How much are you claiming back?

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Day 7 in Rasta vs HSBC

 

Just an update, to keep the thread up-to-date:

 

Sent my 2 Prelim letters off 7 days ago via recorded delivery.

 

Have got POD for both the letters.

 

No news from HSBC yet. I didn't expect any at this stage.

 

I have got my LBA letters prepared ready to send off on the 17th.

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Day 9 in Rasta vs HSBC

 

Today I received the standard response letter from Colin stating they were looking into my claim.

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Hello Rasta, I received two of these 2 days ago, just proves how inefficient they are!Also got LBA ready to send out. Good to hear updates :)

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Day 13 in Rasta vs HSBC

 

OK, it's LBA time.

 

I have a question.....in the beginning of my claim, I sent 2 letters to HSBC for 2 different bank accounts. Should I send them 1 LBA referencing the 2 accounts, or should I send them 2 LBA's, one for each account.

 

I would prefer to reference both accounts in the same letter.

 

Thanks

 

Rasta

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Anyone?

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LBA Letter completed.

 

I decided to merge the 2 claims into one with this letter. I used the standard template from the Library, and attached the 2 sets of bank charges.

 

This time I sent the letter to the famous Colin in Leeds as this is where my first response had come from.

 

It will be sent via recorded delivery tomorrow.

 

Has anyone started to receive offers from HSBC before the court procedure (MCOL) or should I expect nothing?

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Day 15 in Rasta vs HSBC

 

I have received an offer today from HSBC which is £200 short of my entire claim. I think I am going to accept this offer as I really the need the money at the moment and I can't really afford to go through the MCOL stage.

 

Advise please....

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Day 27 in Rasta vs HSBC.

 

Money is in my Account Today as promised by HSBC. :D

 

This is the easiest thing I have ever done....no arguments with HSBC...just 2 letters and £1450 out of £1600 back in just 27 days from my original letter.

 

Thanks to this Forum for all the information.

 

The next Episode will be Rasta vs Egg

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congratulations rasta i'm glad it was an easy one for you

wish mine was :confused:

 

enjoy spending your well earned dosh

netty


If i've been helpful in any way....then tip my scales over there!

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