HSBC

[jowalshy]

what are we going to do????

 

how will we cope?????

 

Is there anything on TV tonight worth watching???

[freakyleaky]

I bought casino royal ages ago and have'nt watched it yet so might give that a go!

 

Also I am off to a huge auction tommorow in stockport. Old wagons, old cars, diggers and jcb's, tractors, tools ect so will have to empty the van and trailer just incase i get carried away!

[jowalshy]

I hope your trailer and van is big enough for all of that..

[craigten]

Hi there,

today i had a phone call off a company claiming that they will claim back all my bank charges, i explained that i have already done this and how do they propose to get around the problem of the current stays imposed and the current court case, they said something along the lines of that it has already been proven that they are illegal and it is just the amount that is now being argued....

Any idea why they would say this? Are they just hoping that the banks will lose their case and the company will get lucky? They wanted 35 quid too!

just so everyone knows and if anyone/all of you would like to point this out to the terribly annoying operators, their number is [EDIT] thanks!!

[Guest louis wu]

Typical ambulance chasers, they never stop do they:mad:

[Castlebest]

Hiya craigten, a lot of companies were set up last year to cash in on the easy money from people who didn't want to or couldn't be bothered to claim for themselves, these companies are now very short of work with all of the stays so they are resorting to cold calling in an effort to generate some cash for themselves.

 

with regard to what they told you about the test case this is rubbish, the current thinking regarding the first instance judgment on the section of the test case which is being heard now is sometime in May, this might or might not let us carry on with our claims.

 

pete

[johnnymitch]

Some of these companies really are the pits, - telling porkies and falsely raising the hopes of vulnerable people.

 

You're right ,pete they're probably getting desperate for business.

[craigten]

Hi, thanks for all your answers, please please please can one of you ring that number and explain/argue to whichever moron you speak to because i tried today (just because they wound me up by trying it on!!) and i would LOVE to read a rough transcript of the conversation???

Please someone do this, the operators on the phone really are morons....

 

[EDIT]

[baconbuttyman]

Hi, thanks for all your answers, please please please can one of you ring that number and explain/argue to whichever moron you speak to because i tried today (just because they wound me up by trying it on!!) and i would LOVE to read a rough transcript of the conversation???

Please someone do this, the operators on the phone really are morons....

 

[EDIT]

 

i just phoned them, they charge you £39.99 for a pack so you can do it your self..lol,,

We give you all the information that you need to do it yourself.....

FOR FREE!

[johnnymitch]

Now, that's enterprising - if you don't know about CAG et al........ who can probably give you better info for nowt!

[Guest louis wu]

Now, that's enterprising

 

enterprising - marked by imagination, initiative, and readiness to undertake new projects

 

parasite - Parasitism is a relationship between two organisms in which one organism benefits at the other organism's expense. Lice are an example of a parasite that affects many animals. ...

 

I think you were almost right:D

 

louis

[greedfighter]

Urgent :

 

Do not give out any details to any person offering to claim back bank charges from an unsolicited phone call. This has recently been notified as a phishing type [problem] : the relevant fraudsters will try to obtain your personal and bank details ' in order to reclaim your charges' then lo and behold you will find your bank acount emptied and your details used for all sorts of fraudulent purposes.

[Castlebest]

Another reason why you should write the few simple letters yourself and not trust these leaches

 

pete

[chaos63]

These claim management companies are regulated by The Ministry of Justice,- website - Claims management regulation - Ministry of Justice You can make complaint about a particular company on site by email.

[freakyleaky]

That's useful link Chaos. Thank you.

[Gez]

I get this phone call approx once every 2 weeks to my office at work. Its one of those automated ones. "Are you aware that the average UK consumer is owed over £1900 in bank charges"... The number is always concealed.

The wheels of the bandwagon must be buckling by now..

[craigten]

Hi there, i know this may sound like a strange question but today i read in the Daily Mail an article that stated that 'Borrowers are being told that they can write-off their credit card debts and have the interest repaid because of a loophole in the law' Apparently 'Borrowers now have to prove their deal was based on an 'unfair relationship' rather than it was 'extortionate', this means a county court judge has to decide only whether the terms and conditions of a loan agreement are unfair to the borrower'. Has anyone heard anything about this please?

Thankyou-C

[yourbank]

got a link to the article?

[PGH7447]

The article relates to a firm that has been mentioned on here before, they charge you over £400 to look at each debt then if they succeed, big if they take 30 - 40% of the money you MAY get back.

 

they do nothing you cant do yourself for free.

[yourbank]

That old crap again....... thanks for the heads up and thumbs down to them:(

[yourbank]

I have found the article and will refer it to Site Team for an opinion rather than posting it on here. It is quite an interesting article.

[craigten]

Hi, thanks for that, please give me a link to the post that is made about this? Has anyone got any advice on how to 'do it yourself'?

[Castlebest]

The test case has nothing to do with Credit Card claims, these claims were never put on hold.

 

You can do a standard Penalty Charge claim against your card issuer, all of the template letters and particulars of claim are in the templates library and the process is exactly the same as a bank account claim .

 

I suspect what the newspaper article is referring to is the fact that most credit card agreements (an loan agreements) appear not to comply with the consumer credit act, this has been apparent to CAG members for well over a year, just read any of the credit card forums or in fact any of the loan company forums and in law if certain criteria arn't met by the agreement the money you borrowed could be viewed as a "gift".

 

To find out about your credit agreement you need to send letter N from this thread

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

And heres a couple of threads that should get you started in the right direction once you have (or don't) your credit agreement

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/83035-guidelines-requests-original-agreement.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/112860-will-you-get-payments.html

 

pete