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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • jk2054
      Evri lost 2 parcels approx. £600 (part 2)

      By jk2054 · Posted

      Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • jk2054
      Santuary Housing

      By jk2054 · Posted

      I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • finaldj
      Santuary Housing

      By finaldj · Posted

      JK: Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have. Thanks DX, I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

HSBCrusher v HSBC - The Battle continues.. claim 4 ready to go!

HSBCrusher

By HSBCrusher
in HSBC Bank

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HSBCrusher

HSBCrusher

Posted
  • Author
Posted
Hi Crusher,

 

Looks like we are on an identical timetable. However, I'm not sure if you were offered anything before taking it to moneyclaim. For some obscure reason, they offered me over 80% of my original claim, which just seems stupid that for the sake of another £200, they could have saved themselves court expenses AND interest.

 

Oh well, it suits be, the interest alne is £400.

 

Maybe we'll get our money back on the same day?!?!

 

 

All the best, I'll be watching...

 

No offer for me, I just had a "get lost" letter.

I am led to believe that they will not wait the 28 days and make a full offer as posted earlier in my thread.

I am quite happy they didn't just pay up, like you say now I get the interest too as a bonus.

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HSBCrusher

HSBCrusher

Posted
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Posted
I haven't a clue what HSBC are up to! You filed your claim on June 5th, for issue June 6th and service presumably June 11th. They've already acknowleged your claim.

 

My claim was issued May 26th, served May 31st AND STILL NOT ACKNOWLEGED!!!

 

OC

 

Must be down to volume of claims.

These will go through the roof I would imagine after the Trevor Mc Doughnut programme.

The acknowledgement actually came back on the 8th, I filed on the 6th, so very quick.

It might be an idea to send a letter to them stating the action you have taken, and that they will be receiving paperwork from the court. There seems to be an issue arising of some folks getting a judgement set aside because the bank has "lost" the paperwork and not had a chance to defend.

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overcharged_consumer

overcharged_consumer

Posted
Posted

Cheers Crusher.

 

I figured it may have something to do with volumes of claims but then that doesn't explain why yours was acknowleged almost immediately and mine still hasn't been even though my claim was issued over a week before yours. I've sent them a letter advising action has been taken and advising that I'm still awaiting acknowlegement of the claim.

 

OC

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overcharged_consumer

overcharged_consumer

Posted
Posted

If they fail to acknowlege I can apply for judgement after 14 days but I don't really want to win by default. Ultimately it has the same outcome but I either want them to acknowlege that I'm going through this process and offer settlement (because even though they say "without admitting ...." they are still sort of acknowleging they agree that their charges are wrong) or for it to proceed to court for a full hearing. The latter option, regardless of whether or not I win, means I've had my day in court and have made a point.

 

If I win by default it just means that their internal processes have failed and doesn't provide any sort of moral victory. As useful as the money would or will be, it's the moral victory that matters the most.

 

OC

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sopsps

sopsps

Posted
Posted

Hi HSBCrusher

I filed a MCOL on June 1st and like Overcharged, I haven't had a squeak from HSBC either.

I thin kI need to contact them to bring my claim to their attention!

When you wrote to them tellying them you've taken action - did you send a copy of the pdf form with the claim details that you can view on the MCOL site?

cheers

:rolleyes:

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HSBCrusher

HSBCrusher

Posted
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Posted
If they fail to acknowlege I can apply for judgement after 14 days but I don't really want to win by default. Ultimately it has the same outcome but I either want them to acknowlege that I'm going through this process and offer settlement (because even though they say "without admitting ...." they are still sort of acknowleging they agree that their charges are wrong) or for it to proceed to court for a full hearing. The latter option, regardless of whether or not I win, means I've had my day in court and have made a point.

 

If I win by default it just means that their internal processes have failed and doesn't provide any sort of moral victory. As useful as the money would or will be, it's the moral victory that matters the most.

 

OC

 

the moral victory, I agree, is most important.

there is where the satisfaction lies.

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gordonhall

gordonhall

Posted
Posted

Actually, they made me two offers - the first for £1100, and then one a week later for £1375. Maybe I'm collecting them on behalf of everyone else!!!

 

 

I do have a thought though....

 

I "think" I'm a good customer. Apart from going overdrawn over the past six years, I have everything with the HSBC. Mortgage, house and contents insurance, and endowment, some other life cover, etc etc.

 

I wonder whether the "good customers" get offers over others? Just a thought...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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gordonhall

gordonhall

Posted
Posted

Oh well, there's my theory blown out of the water - maybe I'm just better looking than you!!!!

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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gordonhall

gordonhall

Posted
Posted

Just logged onto moneyclaim, and see that they have acknowledged my claim today - surely it cant be too much longer now....

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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gordonhall

gordonhall

Posted
Posted

Crazy really, there's no way I'd back down, and I'm sure you are the same...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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HSBCrusher

HSBCrusher

Posted
  • Author
Posted

Okay, now it becomes interesting.

A letter comes today, offering me half.

Its the standard "we feel confident we will win blah blah etc" that we have seen so many times before on this forum. (thats the beauty of it isn't it).

I will be replying that I accept the money as a down payment and will still be coming for the rest. After all, legal action has started now, why not bring it to conclusion? It's my money they have.

Now, my question is...

there have been exta charges added the past few days, is it possible to add these to the claim? I can't see how really.

I suppose I will have to start a new claim against them when this one completes?:???:

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gordonhall

gordonhall

Posted
Posted

I don't want to get personal about your finances, but are you in a position to keep out of the red when you get the charges refunded?

 

If so, I'd write in with the letter that you are about to send, that along with the current amount that you want settled, you also want these extra charges sorted out. If you paid for the moneyclaim costs from your HSBC, you could also use this as an argument against them, in that if it wasn't for the fact that you have had to persue this through the courts, you wouldn't have had to go in the red again.

 

Give it a try and see how you go on.

 

Failing that, once the money comes through, you can always try phoning the branch in a few weeks and ask them to note the "refunded charges" that have been applied and that you are sure they don't want to go through another costly legal expense...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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HSBCrusher

HSBCrusher

Posted
  • Author
Posted

Hello Gordon.

Yep, I will have no overdraft when refunded.

I will mention the extra charges in my letter, and make it absolutley clear that another legal action will be coming their way if the charges remain!

You heard anything yet?

 

Crusher- (you'd better believe it!)

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gordonhall

gordonhall

Posted
Posted

Post round here (Bury, Lancs) is cr*p. Always take till lunchtime/mid afternoon before it arrives! Maybe today huh?

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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overcharged_consumer

overcharged_consumer

Posted
Posted

The only thing to be wary of by making a second claim is that if they don't close your account after the first, they almost certainly will after the second.

 

Perhaps you could just grin and bear the recent charge for now and then maybe take action in another four years or so (that way, if it reaches court you get the benefit of 8% interest anyway for four years).

 

OC

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gordonhall

gordonhall

Posted
Posted

I'm not aware of HSBC making a particularly hard stance on account closures (unlike Alliance and Leicester), but I'm sur eit will come. However, if you are a reasonably profitable person for them (in way of endowments, insurance etc) then I think it is less likely.

 

Can never be too sure though...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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gordonhall

gordonhall

Posted
Posted

Had my letter from the courts saying that HSBC (DG solicitors) are putting in a full defence. Expected that of course...

.

Barclays - £268 - Moneyclaim

Capital One - £172 - Moneyclaim

Abbey (2nd claim) - Moneyclaim

---------------------------------------------------

 

HSBC - £2164.46- PAID IN FULL

MBNA - £471 - PAID IN FULL

NatWest - £307 - PAID IN FULL

Abbey Business - £314.15 - PAID IN FULL

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