CatLover64 v HSBC

[Castlebest]

Hiya Cat yep just sit tight and see what your local Judges pleasure is ...

 

Start your nudging as soon as you want now your transfered

 

pete

[Catlover64]

Cool Castlebest! Will do tomorrow!

[Catlover64]

Sorry - A really stupid question:

 

Where are the templates for the nudges to be found? . And do I insist that they do not strike out any entries over the six years in those letters?

 

TIA

[pinkduchess]

the first post of these two have nudging ideas

 

When you have filed your AQ................

New---after 28 Days - Maybe No Aq!!!!!!!

[freakyleaky]

the first post of these two have nudging ideas

 

When you have filed your AQ................

New---after 28 Days - Maybe No Aq!!!!!!!

 

[pinkduchess]

you winding me up freaky?

[freakyleaky]

[Castlebest]

Think his hand is slowing him down PD so all he can do is echo at the moment

 

pete

[Catlover64]

Thanks guys! Will be on the case tomorrow...

[Catlover64]

Now I really am ******* steaming mad:mad::mad:. Got a nice little letter yesterday from Metropolitan, saying the overdraft has been passed to them. In other words, I now have a default against me -GRRRRR. Had a nice talk to the lady on the phone, and told her in no uncertain terms that the matter had now gone to court, and HSBC were fully aware of this, as I had written to them on the 7th July via recorded delivery declining the ex-gratia offer as it had now gone to court. I was then told HSBC never told Metropolitan ANYTHING!! It wasn't even as if I had been ignoring them - quite the opposite! Anyway honey, I says - not my problem. All this will be going into my court bundle....

 

I'm going to talk to the lovely people at HSBC tomorrow and ask them what the hell they're playing at. Clearly, my letters are having no effect at all. Nobody talks to each other, and this is creating an even bigger mess now -GRRRRRR.

 

Once this is resolved, can I complain to the Financial Ombudsman? They've already advised they will look at the issue of the card once this is over...

[lateralus]

of course you can - keep records of who said what and when.

 

another little fact i've learned since helping out here -

every time someone complains to the fos and they investigate - it costs something like £300 to the bank - if enough complained - i think they would soon stop doing this kind of crap.

you do know that hsbc owns metropolitan and dg is their solicitors too (just as dg is hsbc's in-house solicitor) they are one big happy family

[Catlover64]

Hi Lat - thanks for the response . Yes - I did know from reading previous posts that Metropolitan & DG are all subsidiaries of HSBC!!

 

Spoke to HSBC this morning, and asked to speak to a manager whose name I have a record of. It's like speaking to a robot....

 

I explained that this should never have gone to Metropolitan, as the account was in dispute (i.e. is now in the court system, for the refund of charges). I told her I thought it would have been sensible to wait for the outcome of the court proceedings before taking further action. But then she got very stressy and said she did not choose to discuss the matter further. Honestly - it was like talking to a brick wall!! :evil:

 

So I then called the Financial Ombudsman (They must be SO sick of me - I already have a complaint in hand with them!!). And I have been told now the matter's gone to court, even after the conclusion of proceedings, they cannot help! I know what I've read from Latty, and FO's office told me previously they would deal with the matter of the card as it could be viewed as retaliation.

 

Now I am confused - What would be the best course of action now?:?

 

HELP!!!

 

TIA

[lateralus]

i really don't know much about the fos - but i thought you could do both -

if i've misled you i apologise. i'll do some searching to see if i come up with.

[Catlover64]

Thanks Latty - will check out the FO's website as well. But thinking back, I'm sure they CAN investigate the bank's behaviour even after the court case is concluded. Remember Kevin (Lloyds)? And I'm sure they told me the same thing when my card was taken. I'll look back in the thread, and check my notes.

 

Meanwhile - will write to Metropolitan setting out my position, so they have all the facts.

[Catlover64]

OK - Have now written to Metropolitan setting out the facts and sent the letter via Recorded Delivery, which I know they have received. At the same time, I've sent my first nudge to DG, asking that they consider my claim in full as I could not reasonably know all the facts before. In any case, all the entries WERE within the six year limit when I started. Still haven't heard anything from the court, so will leave it another week before I call again.

 

Even though the debt is now with MCA, does that mean a default has been recorded against me? I have not actually received a notice, just a final demand...

 

Any help or advice welcome -TIA

[Catlover64]

Forgot to add - As HSBC have now closed my account (Like I care!!), I cannot now access my account online, therefore cannot send any e-messages or get an accurate balance.

 

Is it worthwhile to write another snot-a-gram expressing my unhappiness about the way things have been handled by them? And can I still complain to the FO about their behaviour after the court proceedings are done? Only asking as I always thought you COULD complain and was told as much by one of the people in the FOS. But have called again to be told they can't help me even after the court case, as I've gone 'Over their heads' and straight to court. Has anyone else done this, and how did it pan out??

 

TIA

[Castlebest]

If you have a ligitamate complaint about HSBC I dont see how the FO can refuse to investigate it, if thats what they are telling you then its time they were investigated too.

 

pete

[sharongina]

Hi Cat,

 

I think I read somewhere if you issue court proceddings then the FO cant investigate

If I were you give it a try, have you looked at the complaints on banks page?

I think thats where I read about this, You are better off carrying on with your court proceddings, have you another bank account open ready?

If so just wait for them to make your offer, then forget about them!

[Catlover64]

Hi SG

 

I need to double-check. I think I CAN complain about the behaviour of the bank, but NOT the charges as that will already have been taken care of via the court, which I understood anyway.

 

Parachute open and running as we speak!

[sharongina]

Good, glad you have your new account open and running, it appears they are giving you a real hard time, so see if you can complain!

I read somewhere every time a complaint is made to the ombudsman it costs them £300!

Wont be long now Cat, you will soon get your money!

[Catlover64]

I sure hope so! This is costing me a fortune!!

 

How are you SG? Enjoying your dosh?

[Catlover64]

I see that a test case is to be launched involving most of the High St banks. I've had a look on the OFT website, and it does say that it will be for the courts to decide action with pending cases (of which mine is one). But it also goes on to say that any bank applying for the FSA Waiver isn't obliged to handle complaints regarding requests that the charges be repaid.....

 

What's everyone's view on this?

[Catlover64]

Ever so slightly worried now....:o

[Catlover64]

I see that a test case is to be launched involving most of the High St banks. I've had a look on the OFT website, and it does say that it will be for the courts to decide action with pending cases (of which mine is one). But it also goes on to say that any bank applying for the FSA Waiver isn't obliged to handle complaints regarding requests that the charges be repaid.....

 

What's everyone's view on this?

 

Anyone got a view about this? I'm thinking that as my case is already in the court system, it'll have to be dealt with, and it shouldn't wait pending the result from the High Court. But if anyone's starting a claim or if it's still waiting a response from the bank in the first instance, it'll be placed on hold because of the waiver from the FSA....

[lateralus]

i think that's about right!