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

Ashington V HSBC


Amy1471
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6254 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,:)

 

Joined the site a while back but backed out of the whole idea because i didnt believe i could acutally get the charges back when it had been my fault and i didnt really have the time to look into it properly. Iv come back onto the site yesterday and after reading alot of info and alot of you posts its actually given my a confidence boost to go and do it!! So thanks for that. Iv just send my first letter off to HSBC today after totalling up how much i had paid out in charges which was £1946 I was shocked,:shock: and couldnt believe i had paid so much. Esecially when i was looking back and seeing of the payments i was paying out. Because they were wacking a huge off me one month it was causing huge problems for me the next month which would entail more charges. I tried to talk to the bank about this and they were no help. I ended up very distressed :? and worried about the whole thing and had to borrow money to sort the problem out. Now that i dont have the problem i can think more clearly about what the hell they were doing to me! It was one huge circle from month to month and its wrong that they do it to us!!

 

So iv now sent the letter and will be waiting my reply. Im just hoping that it doesnt go as far as having to get a court claim etc. Has anyone else gone this far and if so how has it been?

 

Can anyone give me some feedback on how they'v done and if they'v had alot of reponce of HSBC before that stage?

 

Thanks and good luck to everyone in the same boat!!!

Amy :p

Link to post
Share on other sites

Hi everyone,:)

 

Joined the site a while back but backed out of the whole idea because i didnt believe i could acutally get the charges back when it had been my fault and i didnt really have the time to look into it properly. Iv come back onto the site yesterday and after reading alot of info and alot of you posts its actually given my a confidence boost to go and do it!! So thanks for that. Iv just send my first letter off to HSBC today after totalling up how much i had paid out in charges which was £1946 I was shocked,:shock: and couldnt believe i had paid so much. Esecially when i was looking back and seeing of the payments i was paying out. Because they were wacking a huge off me one month it was causing huge problems for me the next month which would entail more charges. I tried to talk to the bank about this and they were no help. I ended up very distressed :? and worried about the whole thing and had to borrow money to sort the problem out. Now that i dont have the problem i can think more clearly about what the hell they were doing to me! It was one huge circle from month to month and its wrong that they do it to us!!

 

So iv now sent the letter and will be waiting my reply. Im just hoping that it doesnt go as far as having to get a court claim etc. Has anyone else gone this far and if so how has it been?

 

Can anyone give me some feedback on how they'v done and if they'v had alot of reponce of HSBC before that stage?

 

Thanks and good luck to everyone in the same boat!!!

Amy :p

Link to post
Share on other sites

Hi Amy

We're all in the same boat when we join this site so read through as many threads as you can and get to learn the ropes as much as you can. All the information you need is somewhere on the site and if you can't find what your'e looking for ASK!!! there are some excellent peeps on here who are only too happy to help.

Good luck with your claim.

Netty x

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

Link to post
Share on other sites

Hi Amy,

Great news that you've started your claim :)

 

I wouldn't worry too much about the claim getting to the Court stage just yet. Just keep reading threads as Netty advised. When I started I had exactly the same thought, I was praying I had an offer before I had to file the court claim!! But when it came round to it I was desperate to get the claim in and stick to the timetable and get my money back!!!

 

Good Luck with your claim. Keep us posted. :)

Link to post
Share on other sites

my personal experience was approx. 4 months from very first letter to money in the bank. i think that is realistic. we've all been this far and are now helping people to get their money back as well. you will either hear nothing at all from the bank, or a fob off letter telling you they are looking into it and will get back to you, or a sod off letter saying they were right you were wrong and goodbye!

the whole plan is here:Newcomer? Here's A User Guide

once you've read and reread the faqs and step by step instructions - you start the plan and the plan has a time schedule - stick to the time schedule no matter which of those three responses you get. prelim letter, 14 days later, lba, 14 days later, file the mcol. it's all in the step by step instructions. don't feel alone - that's why we are here - you aren't the first or the last - just one of many asking for what they have wrongly taken from you. you now have a whole big organization backing you up and helping you out. use it to your advantage - using the templates shows them you are back by cag and as such aren't going to fall for their stalling tactics. while you are waiting - read up on the hsbc success stories found just below the hsbc forum. there are loads! and keep reading up on the next step you will be taking. keep ahead of the game. good luck, ask if you need help.

Link to post
Share on other sites

  • 2 weeks later...

Hiya,

 

Regarding the letter befor action, there is a section where it says the following "I calculate that you have taken £XXXXX plus £XXXX which you have charged me in overdraft interest for the sum which you have taken total £XXXXX"

 

I am very confused and dont understand how to work out the interest for this stage of the claim? Can anyone help??? Am i suppose to be claming interest here, or do i just wait and add the 8% when i put my courts claim in???

 

Someone please help!!!

 

Thanks x

Amy :p

Link to post
Share on other sites

Ok.

Sitting comfortably?

then we'll begin.

When you get charged, the charge goes onto your balance.

therefore, if you are overdrawn, you will be paying interest on those charges. You can claim these back, the spreadsheet works this out for you.

When you get to court stage, you can add on 8%.

 

ok, so thats the simple method.

 

Some people have been adding on contractual interest on from the start.. if you claim this you will not charge the 8% at the end (so it is an alternative to the 8% not additional to). I know this is complicated, and many just stick to the 8% and not bother with the contractual.

 

If contractual side of things interests (no pun intended) you take a look at

Why is no one claiming the contractual rate of interest???

Link to post
Share on other sites

i like to chase crusher around and clean up after him. if you understood that post from him, great! if not, use my link to honeygie which has helped quite a few - it's a more elementary approach (which is what i needed), it is post number 9 on this link:HONEYGIE sees you HSBC! (multipage.gif1 2 3 4), look at it, it really will clear up your questions.

Link to post
Share on other sites

  • 2 weeks later...

Hi everyone,

 

Desperatly need someones help. I filed a claim for charges asking for £1946.00. I then recieved a letter daying they were looking into it, i was getting ready to send me LBA when they sent me another letter offering me £1626.00. I was quite happy and couldnt believe they offered me that much straight away, but thought no no, im not going to settle. So i send them another letter thanking them for the offer and i would accept it if they wiped my overdraft completly off without me paying for it. That would take me to round about the amount i was asking for!!

They have until Monday to reply and then there time is up! So what shoudl i do next? Should i send them a letter before action then and add all my interest on, which by the way i really need help on how to do. Does anyone know wherre i can get the spreadsheet to calculate this!!!!

 

Thanks everyone!!!!!!:p

Amy :p

Link to post
Share on other sites

hi amy

you could send the acceptance letter back saying you will accept the amount as partial settlement only unless they agree to offsetting it as you wish. also tell them they have only 7 days to agree or you will be filing a claim in the small claims court .... something along the lines of that

Interest calculation spreadsheets

 

good luck with it all

netty

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

Link to post
Share on other sites

  • 4 months later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...