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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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Reply from hsbc


molly1959
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Hi my daughter sent her 1st letter on 2nd April asking for her statements for past 6 years she encloses the £10 fee, but has not had any contact at all from them, neither have they cashed her chq, was just wondering if this is normal

 

Thanks

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well, the data protection act or whatever it is - gives them 40 days to respond - which i make next saturday. so, i'd ring them - probably tuesday and just to ask if they've received your letter and are dealing with it -

hopefully they will be able to tell you that they are. i do know they are very, very busy with all of this just now but it should be dealt with.

here is the link for the template letter if they don't comply:

Data Protection Act - Non-Compliance - Template Letters

 

also, any chance of getting them on-line:

 

INTERNET BANKING WEBSITE: -

HSBC INTERNET BANKING

 

HOW TO OBTAIN YOUR STATEMENTS ON LINE: -

Click on “My Accounts” choose the account that you wish to deal with and then click on “My Statements” this will give you online access to up to 6 years of statements. (Repeat for each account and use a separate spreadsheet for each account).

 

Hint: - Watch out for the moving "Prev" button it is replaced by "Next" which takes you back to where you started :rolleyes:

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  • 2 weeks later...

Hi

I sent my sar letter with a chq for the £10 THE 40 days are up and not heard or received my statements, so i rang them today and was told they had not received the letter, so i would have to request them again, they said they would arrange it with no charge but that it could take another 40 days, i don't suppose their is anything i can do about this and will just have to wait again.

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did you send your SAR recorded delivery? If you did then you can check on the Royal Mail website when your SAR was delivered. I personllay would send a letter before action for non-compliance (template in the bank template library). attach a copy of your original SAR with it.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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  • 3 weeks later...

Hi

I received a reply from the hsbc on the 29th may thanking me for my letter dated 22nd may saying they are looking into my claim for charges back they have said they will contact me a full response as soon as they complete their investigations. So do o still send a letter before action or wait to here from.

 

Thanks Molly

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hi - i had the same put you off letters from hsbc my claim is ongoing i kept to the schedual and am waiting for a court date now.

 

do as freaky says keep to the schedual and dont worry you will get all your money back with interest if it goes to court.:D

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Hi

 

Could any one tell me if i can add on any charges that i still getting which are around a £125 a month. I have sent my letter before action to them today. Sorry for posting simple questions i know the answer is on here some were, but i have had a stroke recently and by the time i find what i need i end up totally confused. I would like to thank every one for being so helpful:)

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  • 2 weeks later...

By saying you've sent the 3rd letter I'm assuming this is the LBA, if this is the case then you should now proceed with court action and either file your claim using MCOL or the N1 form. This is your claim so you decide the timescales, no response from the bank within these deadlines mean you should continue with the next stage.

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Well the MCOL route would be the simplist option as you can do everything online.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

However, if you are claiming quite a large ammount then I would advise you to use the N1 as you can elaborate your POC a lot more.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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You have to put all your charges that you are caliming for on a spreadsheet! The s/s will calculate the interest on each individual charge. Then on the mcol you put in the total figures you are claiming! Have you read the newcomers guide? It is a step by step guide!

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Just add the extra charges to the bottom of you Schedule/Spreadsheet, the interest will automatically be recalculated.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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