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    • Yup sounds it !  I did mention to the salesman I hold no issue with him because I think he did his part  Servicing would have prepped the car, ticked the boxes and handed it over to say now go sell this.  He could be the worlds biggest car fanatic or the best salesman with no knowledge about cars so I can't expect him to have known or to even checked after the MPC.   I will ask if its just easier sending a tyre fitter or getting it done locally - at just over £400, its silly to send two people down, do 100+ miles in the Q3 + 100+ to get here and back + workshop time + ultimately new tyres (I assume)  
    • Thanks. It looks as if they are behaving very responsibly so far. Keep a close eye on it though and keep good notes of everything that happens.
    • Salesman just called essentially saying they will be speaking to the various managers tomorrow to put together a plan of action - more to the point, its looking like they would come to me, pick the car up and take it back to PA to resolve the issues if I am not comfortable driving it up myself.   Lets see what they come back with tomorrow and go from there- He did ask if I had a car and I said yes - in hindsight I am now thinking its because we could be without the Q3 for a few days so this might also need to be raised as the "owner " is a heavily pregnant person hence the upgrade and don't want her to be carless if I am out at work and she needs to go for a scan/app ...   Will update tomorrow
    • “He’s not a conservative. He’s got no backbone or genuine deals. He’s incompetent.” “U-turn after, U-turn, incompetent move after incompetent move,”   for those that want to google it
    • Cryptocurrencies are being added to one of the world's biggest online payment networks. View the full article
  • 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.
       
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      • 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!
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ok i came across a slight problem today, got a letter from dg solicitors, saying please can i send them my breakdown of charges, now i understood it to be that

 

a) they knew them anyway so wh should i waste a good piece of paper

 

b) it wasnt required unitl a court date was being set

 

if i have to send them the breakdown then fair enough thats what i'll do,

 

i tried ringing them to sort it out but got voicemail :(

 

any advice?

HSBC- £4995, settled payment in full

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

 

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

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Did you print off the spreadsheet and attach it to your claim form? Has the bank had a list of the charges you are claiming for a refund?

 

If the answer is yes to either or both questions, then you can tell DG to stick their request where the sun don't shine.

 

If this information has not been previously provided, then yes, I would suggest sending them a copy ASAP. :)

 

See the steps I took to get my bank charges back.

Spiceskull v HSBC.

Thank you Consumer Action Group.

Read my blog.

 

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Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hey snap ive recieved the exact same letter today!!

 

What i think i may do is photo copy all the staements that I have spents hours siving through, highlighting all the charges so they at least have to do some work for them selves.

 

Maybe we could charge them for administration costs, think it comes in around £25 for ten seconds these days!!!!!

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right then i'll do it straight away and fax it to them tomorrow , thanks for the advice

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

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Hi Maverik

I have read your little story, but where is the end? What happened after the bank was ready to fight you in the cort?

Prelim to HSBC sent on 30th June for £580.

Reply with offer to refund £520.00 on 19th July

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Hi Maverik

I have read your little story, but where is the end? What happened after the bank was ready to fight you in the cort?

well im still trying to get it, im not at the end yet but will soon be hopefully

im waiting on the banks solicitors to get back in their office so i can fax something to them, hopefully next week it should be resolved

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

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good luck to you, I think it's really good that despite on being in the difficult situation yourself you try to help others.

I really hope it will work out for your

Thank you for your support

Prelim to HSBC sent on 30th June for £580.

Reply with offer to refund £520.00 on 19th July

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hey guess what, got a letter from dg solicitors today :D

 

fireworks.gif

 

damn right , i got my money, so to all those who are a bit unsure at the moment, dont hesitate,

 

dont worry i'm not going anywhere, and as soon as the money is credited, a donation will be winging its way along with a completed survey

 

thanks to all those that have helped me learn the process, and given me advice/encouragement along the way :D

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

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Fantastic!

 

Congratulations!! :D

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Nice one Maverik ! I got my full offer today too !

04/07/2006 - Full, unconditional offer made from HSBC, accepted. £1444.xx (unfair charges)

01/06/2011 - Barclay CC PPI claim initiated

13/09/2011 - Claim rejected :|

19/10/2015 - Claim restarted !!!!

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Well Done Maverik !!!. I'm just sending my LBA tomorrow so not too long now then!!

Barney2002 - If you want to see how I got my money back, click http://www.consumeractiongroup.co.uk/forum/hsbc-bank/11376-barney2002-hsbc-round-one.html.

 

HSBC

15/08/06 - £4955 paid in full from HSBC!!!!!!! 'Ave it!!

OTHERS

04/08 - Conf rec'd from Capital One - sending statements

07/08 - Conf rec'd from Tesco Finance - sending statements,29/08 sent prelim for £282

10/08 - Conf rec'd MBNA - sending statements.02/09 prelim for £437

10/08 - Conf rec'd Morgan Stanley - need to send ID - sent 11/08,rec'd letter offering £96(rejecting), 02/09 prelim for £220- Rec'd £240 few days ago.

 

If any advice I give is helpful then please hit the scales - Top Right. Thank you.

 

** For Every bed I sell to a CAG Forum member, I will donate £50 to the CAG **

 

Visit my site for the full range of Hand Forged Beds at

www.classicsiniron.co.uk

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Hooray, to both of you..

HSBC

09th June 2006 - Data Protection Act Request

21st June 2006 - Acknowledgement from HSBC

30th June 2006 - 33 letters arrive - 6yrs statements

01st July 2006 - Preliminary request for £2868.24.

12th July 2006 - HSBC offered me £1995, I declined.

17th July 2006 - LBA sent, now £2970

01st August 2006 - MCOL for £3778 (inc 8% + fees)

08th August 2006 - HSBC defending ....

31st August 2006 - SETTLED IN FULL - Wooooooohoooooo.

Halifax

09th June 2006- Data Protection Act Request

22nd June 2006 - Acknowledgement from Halifax

08th July 2006 6yrs statements arrive.

10th July 2006 - Preliminary request for £1393.08.

21st July 2006 - Halifax offered £115, I declined..

24th July 2006 - LBA sent, now £1421.

08th August 2006 - MCOL for £1822 (inc 8% and fees)

16th August 2006 - SETTLED IN FULL - woooohoooo

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well done --- Maverick 4995 - Hongkong and Shanghi Banking Cowboys 0

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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I've just read through your diary of events - finding it helpful.

I'm new to all this - just sent my letter requesting info as per data protection - and the £10 of course! Fingers crossed

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Congratulations!!!!!!!!!!!!!!

 

You've been a great support to lots of people on here..well deserved! Hope you have the time to continue offering us your words of wisdom.:)

 

purplemargy

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im not going anywhere just yet, besides now i've got the taste for it and am confident in what im doing, i have 2 c/c's that need a bit of investigating ;)

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

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Well done Maverick!

Bet that was a buzz reading that letter!

Did they pay you your 8% too? I read that a few people aren't getting offered that back.

Congratulations!

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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yeah i got my 8% , and my court fee 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

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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

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Please note that this topic has not had any new posts for the last 5222 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

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