Jump to content


  • Tweets

  • Posts

  • 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
      • 162 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

Nemanja v Hsbc


nemke
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6164 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 everyone,

Having read loads about determined people winning their money back and seeing a great deal of help coming from this forum I have decided to do all I can to get my own money back. Here is my situation:

I have been with HSBC since I 14 (am 26 now). I have a savings account on which I have a small overdraft which I manage to exceed every single month. HSBC charge me a ridiculous £ 25 per every transaction over my overdraft ( so for example if I go over my o/f and buy a pack of tick tacs for 30p I get charged 25!!!!). I have read theFAQ and other forums and am now at the stage of writing a letter to the bank to get some kind of idea as to how much I should claim. Here is my letter that I will send if someone can confirm it is ok. Oh and is this address correct for HSBC? THANK YOU ALL VERY MUCH!!!!!:)

 

Tuesday, 02 January 2007

My address here

London

SW1

HSBC Bank PLC

8 Canada Square

London

E14 5HQ

Re: Account number XXXXXXX

Dear Sir//Madam,

I request that HSBC Bank Plc. provides me with details of all default charges - arising from exceeding my overdraft limit, not paying on time, or not honouring a payment - I have paid in the last six years.

I understand that HSBC Bank Plc. is obliged to provide this information under the Data Protection Act 1998. Can you please ensure you provide me with details via copies of my statements.

I look forward to hearing from you within 14 days.

Yours faithfully

Nemanja

Link to post
Share on other sites

  • Replies 82
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

That looks fine Nemke!

 

Jsut add that they have 40 days to comply and make sure you send a £10 cheque - they will send it back, but it's best to be safe than sorry.

 

I will try to read again but I moght not be able to get online until this evening! Please retype the letter and repost it and I'll check over it!!

 

Good luck!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Thanks! Have changed it to 40 days and sent it. It seems unbeleivable that a few months from now I might be paid back but have seen loads of others with the same attitude at the start who have come out smilling in the end. I will let you know what happend next. again really appreciate your help!!!!!

Link to post
Share on other sites

No probs - you will be paid back, not if you get paid back!!

 

Good luck and keep us updated each time you receive/sent something - did u send the tenner cheque?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

I sent the request without the tenner by post but sent the same letter by email (yesterday) to hsbc through my on line banking...got a reply today:

 

Dear Mr Borjanovic

 

General Enquiry

 

Thank you for your e message received 02 January 2007

 

I confirm that I have ordered copy statements for the last six years as requested. You should receive it by post at your statement address within 10 working days.

 

 

Kind regards

Ajith Chandramohan

HSBC Internet Banking Customer Support

 

Now this letter says that they will send the last six years' statemens but I thought they would send a total figure of all the overdraft charges....does that mean i'll have to get the marker out and highlight the charges and present the bank with my own estimate...of course I dont mind doing it but is that the best way. THANKS EVERYONE!!!!!:D

Link to post
Share on other sites

Yes you will have to work it out for yourself, i also suggest that you startv a thread in the HSBC forum so you can chart your progress there and people can help you if needed. Also use the template letters on this site. :)

Ex CAG helper ^_^

Link to post
Share on other sites

yes nemke, you need to go to the templates library on this site - start a thread as mentioned above in the hsbc forum and post there, let us know what it's called (unless Cheddar can aarrange to move this one?!) and we can help you step by step.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Hi All,

 

I started a thread on a wrong forum and the kind people on the website have re directed me to the HSBC section. I started yesterday and with the help found on this site have sent of a letter by post and same one by email requesting a six year statment history...I got a reply today (by emai) confirming the bank has received my request and that I should receive my statment history in the next 10 days! I hope things continue to go this quickly...will keep you up to date! Thanks everyone!:D oh my old thred is on http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/55357-nemanja-hsbc.html#post462509 but please send replies to this on! Thanks!

Link to post
Share on other sites

Hiya,

HSBC are normally quite quick to be honest, esp in regards to getting statements to you.

Once you have your statements, choose a spreadsheet from the Bank Templates Library and then highlight ecah charge and enter it on the spreadsheet, it will calculate the totals and the interest for you.

you can claim anything back, unless it is a charge for a sefice i.e. banker's draft charges or cash machine withdrawal charges. If you're not sure what you can/can't charge, post here and we will help you.

Then send your prelim letter (from the library) and then it all starts!

Send everything recorded delivery and keep a copy of every letter you sent, keep them all in a folder with each letter you send and receive.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

thanks again mate...one more question...i get the emails to my work email address and i clicked on unsubscribe by accident....so now im worried if will still get an alert letting me know someone has replied to the my thread...i.e. how do i subscribe again? Thanks!!!

Link to post
Share on other sites

The easiest way is to click on thread tools at the top of your first post and then click sunscribe!

 

Try that, if it doesn't work, let me know and I'll tell you another way! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Posts moved from welcome to here and merged :)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

  • 1 month later...

Hi All,

 

Got my letters a few weeks ago and am ready to sit down and start putting the numbers in. Can someone help me on this task...is there a template where I put the amounts/dates that then work out the total amount owed plus interest...help much appreciated!!!

Nemaanja

Link to post
Share on other sites

Hi All,

 

Got my letters a few weeks ago and am ready to sit down and start putting the numbers in. Can someone help me on this task...is there a template where I put the amounts/dates that then work out the total amount owed plus interest...help much appreciated!!!

Nemaanja

 

Well done, glad you are finally there - it is a good idea to check through some posts in the successes sub-seciton to read up so you understand exaclty what's going on....any questions, just post on this thread and we will all help!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Guys - ythanks for the replies. A bit confused though and could realy use some help. I have read some threads but here are my remaining questions:

1. "We suggest using the interest calculation spreadsheets, and removing the interest column (if its not for contractual interest) before printing to send." I don't understand what is meant by this. Why should i remove the interest column and how will the interest be worked out then?

2. Should I even be claiming contractual interest (sorry I have no idea...)

3. I am using the England - Simple - Excel spereadsheet - I think this is ok.

 

Thanks!!!!!!!

Link to post
Share on other sites

Guys - ythanks for the replies. A bit confused though and could realy use some help. I have read some threads but here are my remaining questions:

1. "We suggest using the interest calculation spreadsheets, and removing the interest column (if its not for contractual interest) before printing to send." I don't understand what is meant by this. Why should i remove the interest column and how will the interest be worked out then?

 

It means, use a spreadsheet, like the one you've linked to below. Whilst sending your first 2 letters (prelim and LBA)_ do not put the interest column on it, only the "in respect of", "the Amount" and the "date" columns.

 

The reason is because you can only claim the 8% interest if you issue MCOL, before then, you can't claim it.

 

2. Should I even be claiming contractual interest (sorry I have no idea...)

 

That is entirely up to you - I haven't at all, because to be honest I haven't had a chance to research it. Also, I think some companies try to not pay it, and I just want the quickest payout.....and I am not being greedy, I am happy with getting back what I've been charged and the 8% interest.

 

You wuld really need to reserach it more thouhg if you want to claim it....whether you claim it or not though is your decision.

 

3. I am using the England - Simple - Excel spereadsheet - I think this is ok.

 

It is, but I don't think that will help you if you want to claim for contractural interest.

 

There is a thread about contractural interest - I'll try to find you the link!

 

Good louck, and keep us posted!!

 

Thanks!!!!!!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

Link to post
Share on other sites

Thanks again. My understanding is that I can use the 8 % which I think is enough bither and I am not too greedy so am happy to get back my original amount and 8% is fine, so will go with the England - Simple - Excel spreadsheet.

So my next step will be to send the 1st letter with no interest column then the second wait for the MCOL and then send the 3rd with the interest. thanks guys!!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...