givememymoney V HSBC

[givememymoney]

ok I'll remember to put a hymn book down my trousers then

[givememymoney]

Could still do with some advice on this question

 

 

Is it possible to do a SAR on DG as I am interested to know what information they hold on me?

[Castlebest]

Give, go have a look at this one, think it will answer one of your questions (last few posts), I’ve had my two pence worth but also asked a couple of other people to have a look too just to be on the safe side.

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/76497-any-help.html

pete

[givememymoney]

Still waiting for the cash I gave a deadline of Friday it will be interesting to see how they respond to that.

[givememymoney]

No money today DG have missed my deadline. Now time to write a letter to the judge informing him that whilst in the AQ HSBC indicated that they wanted a month extension in order to see if we can come to a settlement. The reality is that they are just wasting court time and using stalling tactics. As they are not serious about coming to a settlement and paying. After all they are a bank and transfering money around is what they do. Shouldn't be too difficult to transfer my money to my account!!!!!!

I will ask the judge in my letter to adopt my draft order of directions in order to bring a swift conclusion to the matter.

[Castlebest]

Oh what a hardship, transfering money into your account instead of out of it set phasers to kill Mr Spock.

 

pete

[givememymoney]

I should be saying beam it in colin ... I think

[Castlebest]

Think his dilithium christal is cracked

 

pete

[givememymoney]

I think he lost his warp core a long time ago and is now plagued with klingons on his starboard bow :lol:

[Castlebest]

If it was anyone else I would feel sorry for him... I suppose when you dish out as much Sh*t as he does your bound to get a few clingons on your starboard bow

[lateralus]

i think you trekkies have been at the funny stuff again!

[givememymoney]

I reckon that all of you have just rolled out of the pub judging from your posts

[Castlebest]

Just the one can here... us poor people who haven’t had any offers yet can’t afford to drink

pete

[lateralus]

i've been benched all eve as the uni student was using the puter

[givememymoney]

I will only be able to afford to drink when Colin gives me my money back. We are all on bread and water here and the water we get from licking rocks at night time!

[givememymoney]

i've been benched all eve as the uni student was using the puter

 

I reckon you have been down the Uni bar!! :o

[themadcap]

have you checked yet?

[Castlebest]

Hiya Mad, hows things on your front ?

 

pete

[givememymoney]

Ok so I have been thinking about my second claim. I don't think that sending a prelim is of any benefit to me as my previous experience suggests that they don't respond to both the Prelim and LBA. So why not go straight for a modified LBA such as this?

 

LETTER BEFORE ACTION

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

I am very disappointed that despite our previous correspondence regarding bank charges you have continued to apply these unlawful charges to my account.

 

As discussed the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would again draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming.

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

 

What do you think?

[lateralus]

well, since you asked - i think you ought to send a prelim.

[givememymoney]

Isn't a prelim just a waste of 14 days. I know what they are going to do. They know what they are going to. We discussed it before can't we just cut the cr@p and get the action going?

[Castlebest]

Now Now Give, what have you been preaching to all the newbies here's something you might like to read just to refresh your memory

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/38807-newcomer-heres-user-guide.html

 

pete

[givememymoney]

Actually in all seriousness I am not for one minute suggesting doing away with the prelim for a first claim against one particular bank. However, when it comes to a second claim we all know what each other is going to say and do. So why not say give me my money back in 14 days or I am taking you to court like last time?? This would save 14 days on a claim!! We all know that if they chose to they could put the money in the account within a few hours if they wanted to.

[lateralus]

guess i'm one of those peeps who follows the rules - rules say send prelim., i'd send prelim reasoning it must be there for something!

[pinkduchess]

is it because the judge (if it goes that far) needs to see you have given them enough opportunity to settle before taking it to court