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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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HSBC Business account closed - no notification!


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Hello,

 

I hope someone can help / point me in the right direction.

 

I have a business account with HSBC. It got into trouble about 18 months ago and I agreed to a fixed sum being transfered from my HSBC current account to pay back the overdraft on the understanding that I would not use the account until it was back in good standing. The cards were returned to them and cancelled and they agreed not to set any further charges against the account, only interest. Irronically I got into trouble with the account over the penalty charges they were sticking on each month.

Anyway,

I did my DPA 40 day letter to them for the business account on 31st Jan standard template letter which would have alerted them to the fact I was going to pursue claimback for charges. They wrote back 5th march, telling me they would comply and provide statements, which they did, eventually. Have recived all the statements and notice they closed the account on 2nd March 2007. They account had finnally gone into credit on the 14th Feb 2007.

The credit was transfered out of the business account into my personal account without any knowledge or action by myself on the 2nd, the day the account was closed.

 

What I need help with is, are they allowed to do this? clearly this seems to be a reaction to my letter of 31st Jan. I have worked out they owe me about £800 in penalty charges, I know I can still claim these, but what should I do about the account closure? I did not really need the account, but the princlpe and the law should surely be followed.

I am claiming back the money, but should I, can I include about the closure without notification / justifiaction.?

 

Thanks

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Complain to the FOS about the account closure. It may take a while, but you're in no hurry. If they find that the account was closed in retalliation to your claim, HSBC will have to pay you compensation. It won't be a lot, but it is something & it will cause them the bother & expense of having to deal with it.

 

You will have to have a look at whatever your agreement with them was about the transfering of funds between accounts.

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carry on claiming the charges - but as gez said - i'd def contact the financial ombudsman as they are supposed to be coming down on banks who are trying this - you could get a (small) payout because of it, and apparently the banks are charged £600 every time the fos has to look into one of these, don't know about business accts. but i don't think they can be seen to be closing any accounts because you have asked for charges to be returned.

be sure when claiming you follow the business related threads if it is a business acct.

Business Claims - basic guide

 

and there are a few around like this one:Banks closing our accounts

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