Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Just about to start!! - a question


Please note that this topic has not had any new posts for the last 5183 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello everyone,

 

What a wonderful site. I cannot believe what I've been reading over the past few days. Truely incredible. Thankyou so much for making this information available.

 

I am about to start a claim with HSBC for the past 6 years of bank charges. I initially contacted the bank by phone to ask for a list of charges for the past 6 years and they told me they would supply the information but that it would cost 35 pounds per hour!

 

I have read the FAQ thoroughly now and want to file the DPA request letter to get my bank charges listed. I have gone to the Data Protection Public Register and typed in the address of my branch and it says theres no matching enteries.

 

Am I misunderstanding who I am meant to sent the letter too? Is it someone at my local branch?

 

Will keep everyone informed and donate when (hopefully) i am successful!

 

cheers

 

Paul

Link to post
Share on other sites
Guest Lueeze

You need to send £10 cheque with the letter to your branch/head office!

 

Please read the FAQ's as this is answered in the forum already!

 

Good Luck

 

Louise x

Link to post
Share on other sites

Hi Louise

 

Thanks for that. I did read the FAQ (infact I've spent the last 2 days reading this site rather than working!), but it said that I needed to identify the Data Controller or the address the Bank has registered to the Data Protection Commissioner. When I type in the address of my Branch in the Public Register theres nothing found, same for the HSBC head-office. Does anyone have the person for HSBC that I should send this letter to?

 

I'm hoping this will be the best 10 pounds I've ever spent in my life

 

thanks again

 

Paul

Link to post
Share on other sites
Guest Lueeze

Well im dealing with HSBC, and they are numpties! You will get your money back Spiceskull has just had £4000 from them today!

 

My letter was send to their H/O address, but I had a response frm Ian Shepherd.

 

Send it recorded delivery or hand it into your branch! By the way they sent my £10 back with the reply letter!

Link to post
Share on other sites

I sent mine to the manager at my local branch. It got forwarded to the right person inside the bank. Make sure you send it recorded deleivery, or if you personally hand it in at your branch, get a signed receipt for it. Don't get put off if they say, something like: "you don't need it signed for, you know you've just given it to me". Still get a receipt :)

 

Neil.

Link to post
Share on other sites

hello everyone,

 

It only took 3 days for HSBC to reply to my DPA Letter with the details of charges. Not as many as I thought but enough. I was suspicious that I had only accumulated charges over the past 18 months but they say they have checked my account for the past 6 years. I trust them ;). The letter came back from Ian Shepherd.

 

They kept my 10 pounds ;)

 

One thing I do not understand about the Preliminary Approach for Repayment letter is the following:

 

 

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.

How do I know if they have done this? Nothing was mentioned in the letter they sent in reply to the DPA. Should I include these 2 paragraphs in the letter anyhow?

Will Send the Preliminary Approach for Repayment letter as soon as I have fully understood this.

Amy help is appreciated.

thanks again

Paul

Link to post
Share on other sites
Guest Lueeze

No i wouldnt trust them! It has happened before that a user had been told what charges were applied, but then recieved copy statements only to find more charges!

 

If you sent the DPA, they HAVE to comply fully with ALL statemnts for 6 years...

 

With regards to the default, you SHOULD have had a letter saying they are going to default you if you do not pay back what you owe, it will also be on your credit record. If you are pretty sure they have not then dont include this.

 

Lou xxx

Link to post
Share on other sites

Hi Lou

 

Thanks for that. I guess they will not be sending me printed statements although I can access them online thanks to a handy link from another post.

 

Having had a quick look through them I don't seem to be able to match up the list of bank charges they have sent me in the letter to my online statements so I am wondering if bank charges are detailed on the old online statements?

 

Will investigate further.

 

Finally, they also did not mention in the reply to the DPA, what each charge was incurred for. There were also a number of charges detailed that were small (less than a pound), I don't know what these are - maybe the overdraft interest?

 

cheers

 

Paul

Link to post
Share on other sites
  • 1 month later...

Hello everyone

 

Well I finally received all my old bank statements from HSBC and guess what??

 

Surprise surprise. When I have checked through all my statements it turns out that there is more than DOUBLE the amount of charges that HSBC said in writing I had been charged in their initial letter/response to my Data Protection Act letter.

 

I can't believe it!

 

I am about to send them the first letter asking for the full total back. I have 2 questions though:

 

1) Since I have a letter from them listing "charges since my account opened", which is clearly incorrect. Should I make an issue of this? The fact that they have clearly lied to me (in writing)?

 

2) Do I need to list all the charges when I send my first letter asking for the money back?

 

I'm really shocked they lied to me like this, and in writing! Its unbelieveable. I can't wait to get my money back!

 

cheers

Link to post
Share on other sites

I sent my data protection letter about 2 weeks ago and still have not heard anything, I sent it recorded delivery and included the £10?? Getting a bit worried now it has been lost. Any suggestions or should I wait the full 40 days before following up?

Link to post
Share on other sites
Hello everyone

 

Well I finally received all my old bank statements from HSBC and guess what??

 

Surprise surprise. When I have checked through all my statements it turns out that there is more than DOUBLE the amount of charges that HSBC said in writing I had been charged in their initial letter/response to my Data Protection Act letter.

 

I can't believe it!

 

I am about to send them the first letter asking for the full total back. I have 2 questions though:

 

1) Since I have a letter from them listing "charges since my account opened", which is clearly incorrect. Should I make an issue of this? The fact that they have clearly lied to me (in writing)?

 

2) Do I need to list all the charges when I send my first letter asking for the money back?

 

I'm really shocked they lied to me like this, and in writing! Its unbelieveable. I can't wait to get my money back!

 

cheers

 

1) i dont know if it will make any difference to be honest, perhaps if it ever went to court you may be able to use it then

 

2) yes it saves time later on and stops them having another excuse to stall proceedings

 

just proceed as normal and get all your money back

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

Link to post
Share on other sites
I sent my data protection letter about 2 weeks ago and still have not heard anything, I sent it recorded delivery and included the £10?? Getting a bit worried now it has been lost. Any suggestions or should I wait the full 40 days before following up?

 

best thing to do is start your own thread and then people can answer your questions without confusion with the other person in the thread

  • Confused 1

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

Link to post
Share on other sites
  • 4 weeks later...

Hi Guys

 

Well the 14 day deadline has passed and no reply from the bank in relation to my Prelim Letter.

 

I'm quite surprised since most other people here seem to receive a reply from HSBC after the Prelim letter. I'm 'only' claiming for £800.

 

So I guess I go ahead and send my LBA letter.

 

I sent the Prelim letter to the infamous Ian Shepherd, I guess I will send the LBA to him too.

 

cheers

 

Paul

Link to post
Share on other sites

Hello everyone

 

I'm just putting together my LBA.

 

What are peoples thoughts on whether to include the final paragraph regarding the Consumer Credit Act? I am prepared to file a complaint but was just wondering whether or not the bank will take the letter more seriosuly with this inclusion.

 

'Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.'

Link to post
Share on other sites

not neccessary its a waste of your time, it wont help you to get your money any faster, so unless you feel especially aggrieved, dont bother

HSBC- £4995, settled payment in full

if you found this post helpful, please click the scales (top right of post), ta ;)

 

if you're not sure what to do?, Read the FAQ's

Unsure about what to claim, or confused about overdraft interest? Charges explanation

Link to post
Share on other sites

Hi guys

 

Well it was a few days late but I recieved a reply to my preliminary approach letter and the bank have offered me a £80 less than my claim. Good news.

 

I've read the advice in Bankfodder's step by step guide where it says I should accept this offer as a partial settlement and still go ahead for the remainder. I do not see how this is possible if I sign the banks letter accepting the settlement as a 'full and final settlement'?

 

I also read other forum users stories where the initial offer has been outright declined and the LBA letter sent. The LBA template in the library, makes no provision for a paragraph rejecting the banks initial offer. Is there a template for such a letter? I cannot find it.

 

Hope I'm making the right decision, but 80 pounds is still 80 pounds. What are peoples views/experiences of rejecting the offer after the preliminary approach?

 

regards

 

Paul

Link to post
Share on other sites

£80 is indeed £80, you go for it. I would cross out the section in the letter which says "full and final settlement" and replace with "partial payment". Then sign and return.

 

You could also state that you shall continue to persue the remainder of the claim. ( I remember seeing a template from one of the mods somewhere but cant remember, sorry)! Somewhere along the lines of "Thank you for your letter and offer of £xxx dated xxxxx. I would like to accept this amount as partial payment towards my claim of £xxx and shall continue to persue the remaining amount.

 

Hope this helps a little, at least you have had an offer, I've heard nothing at all from them so mcol, here I come on Wednesday

 

Good luck and let us know what you decide to do!

 

Louise

Link to post
Share on other sites

Hi Louise,

 

Thanks for the information. I was thinking about adjusting the LBA template saying 'thanks for you offer but no I will be claiming for the whole amount' rather than adjusting the letter they want me to sign.

 

Don't know, I will take a couple of days to decide. Maybe I should take their offer and run. Its just that I have come this far so why settle for 80 pounds less than I am OWED.

 

Anyone else rejected an initial offer like this???

 

thanks

 

Paul

Link to post
Share on other sites

Have a look at Hedgehog thread, somewhere on the forum, might help a little. I defo would go for the full amount, they would if the roles were reversed wouldn't they??

 

Your decision though at the end of the day.

Link to post
Share on other sites
Maybe I should take their offer and run. Its just that I have come this far so why settle for 80 pounds less than I am OWED.

 

At the end of the day, that's your decision - but like you say, you've come this far and they would never say "ah well, he can't afford to apy 80 pounds of hid O/D so we won't ask for it!!

 

It is your decision though, loads of people have accepted these payments as part payment offers and as far as I know EVERY ONE one of them has received full payment in the end. HSBC are just trying to save some dough, quite clever really, realising that some people will be happy with a % or would just lose their bottle and accept a % of their total claim.

 

Have a good think and let us know what you decide to do!! :)

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 Guys

 

I've decided to pursue HSBC for the full amount. SO I will accept their initial offer on the understanding that it is a partial payment.

 

Should I include a LBA in the reply? I was thinking of replying with the signed 'contract' thanking them for the offer and accepting it as a partial payment (as mentioned above by Louise) AND including the LBA for the difference (80 quid).

 

Do you think this is the way I should do it?? Or should the LBA be for the FULL amount. If they reject my signed contract for the initial offer, then the LBA will only be for 80 quid!!!

 

do you see what I mean??!

 

as always, your help is appreciated.

 

Paul

Link to post
Share on other sites

Just thought I would update everyone.

 

After a lot of thought I decided to follow the advice I have been given here and I adjusted the letter from HSBC offering me a 'full and final' settlement to say 'a partial settlement' and returned the signed document along with my LBA stating that I was giving them 14 days notice for the payment of the full amount OR the difference between their offer and the full amount. I also thanked them for their offer and 'accepted it as a partial payment and that I would be persuing the difference'.

 

Today I recieved a simple one page letter informing me that the money would be paid into my account.

 

Great news!! Thanks for all the advice guys! :-) :-)

 

The only thing of concern is that the amount they are paying me is the 'partial settlement figure' the letter made NO mention of the outstanding 80 pounds or that I said I would persue them for it. I expected a replying saying we will give you the full amount.

 

So do I send another LBA stating the exact figure I will be persuing them for, do I just wait for the 14 days to pass, or do I send another letter thanking them for the partial payment and 'reminding them' that I am persuing the rest as per my LBA dated the XXXX ?? What are peoples thoughts?

 

cheers

 

Paul

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 5183 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...