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    • Can you explain a little bit more about the delivery please. Somebody sent them to you – was it a retailer who sold them to you? If you have to claim against Hermes then if you declared only a £300 value then this is probably what you will have to settle for. You pay £95 shipping costs – that is extraordinarily high for Hermes. Can you explain why it was so expensive.   Have you made a formal claim to Hermes? And have they responded?
    • I'm sorry there are a few typos in my post - a hangover from injuries I had at the time being discussed. I did try to tidy it up straight away but wasn't allowed to repost after editing it.
    • You posted in a solid block of text and it's rather difficult to read. Please will you make sure that your posts future are properly spaced and punctuated and that way people will find it easier to give you the help and support you need.
    • I arranged the delivery of a set of drum kit wood shells with hermes, I booked directly online. They have told me the item is lost 70x50x55 cm box???   They asked me to fill in a claim form which I have done i declared a value of £300 for the parts sent and paid for extra cover. I had recently purchased the whole drum kit for £650 and shipping costs of £95.00 to get them to me.    After investigating the cost of replacing the shells, not a direct equivalent but similar, it will cost around £450.00 with delivery.   I want to get compensation over the £300, is that possible, i have informed them of the total loss with delivery costs, prior to shipping with Hermes as £745.   I am more than happy to go to the small claims court for the difference but would it be dismissed,   Should I go for the full cost of the loss or the cost of replacement shells only I have all the receipts for the drums and shipping costs prior to hermes losing my items.   I still have the remaining parts that a pretty much worthless now, unless i get a new set of drum shells.   Its probably going to to take ages, I've written to CEO of Hermes about my complaint as well just to cover all bases. Next stop will be the small claims court as i read they pull delay tactics and low offers.   They really didnt care and also didn't seem surprised when i spoke to a service agent.
    • Hi all I used to be a member here a few years ago when I went through a bad time - husband and I had bad health, both lost jobs etc, we got the usual helpful and sympathetic response from the bank.   With the help of CAG I did my best to fight back and found that some debts were legally unenforceable as well as the usual defective defaults and everyting else the banks were doing wrong. We're going back to about 2009/10.   With HSBC they refused to provide a SAR/CCA because I wouldn't provide a signature that matched their records. I remember I took the advice from CAG at the time NOT to sign.  in any case, due to my injury I was unable to do anything except scrawl. I told them that I didn't think the SAR required a signature and in abny case I couldn't. In short they refused to cooperate, there as a series of letters but they cited the DPA, at which point I pointed out that they were sending me demands, statements and theatening letters but only now were they saying they had to verify my ID (at that point, the bank said that they wouldn't send any more statements/demands etc until my Id could be confirmed (seriously, you couldn't make it up). I also pointed out that the guidance from the ICO was that if they were responding to the address they has on record and was the usual contact address, they could assume it was their customer writing to them. I even complained to the ICO who, as usual took the bank's side.   Eventually, I said to the bank that if they were unable to give me details of the alledged debt then I was unable to consider their demands and verify the situation and I wouldn't correspond with them any more and they could go to court if they liked. But, if they did lodge court papers, and sent the statements etc I'd immediately complain to the ICO that they hadn't verfied my ID acording to their own procedures (something the ICO had agreed was required), and I'd bring it to teh attention of teh court that they had deliberately not sent me the data to allow it to be resolved one way or teh other. If they didn't send the stuff through discovery, I'd lodge an embarassed defence and ask for it to be struck out as I had been asking for the records for 6 months or more.  I didn't hear any more from them, that was in March 2011.   In Nov 2015 I got a letter from Hoist Portfolio Holdings 2 Ltd that they has been assigned the rights from MKDP LLP and giving bottom Robinson Way's address. I hadn't heard of MKDP before and simply ignored it. I certainly wasn't aware it had be assigned to them in the first place.   A few days ago, I got a letter from Hoist again asking for payment. I intended to ignore it except for a letter I got from the Bank this morning.   The letter is the same one that has been mention on here very recently, a refund from the bank for £25 because they had determined I hadn't recived the correct level of service (no sh*t Sherlock!) The account number is NOT my currect account. It MAY be my credit card, but I seem to remeber they were rolled into one. I don't seem to have any correspondence about the CC, and I destroyed all paper documents a few months ago. All I have is scanned copies of letters (which may not be a complete record, but should be).   I received a letter in Nov 2017 from PRA about another CC saying the debt has been assigned to them (no letter of assignment from the creditor) and in Jan 2018 an 'Annual Statment'. Since then, nothing.   I've made a point of ignoring these kind of letters and demands in the past belieivng they were SB and eventually the data would be destoyed. After a few years of actually being able to relax, I'm now worried that the aggro is all going to start up again with this HSBC and other accounts.   Now, the questions. it is/was my understanding that the debts became Statute Barred a few years ago and they couldn't be enforced. The CC default was issued Feb 2009. A month later a Final Demand was issued for both current AC and CC giving a combined total. (that total is similar to the one sought by Hoist which gives my currect AC number).   So, are these accounts SB? If they are SB and the bank has desposed of them by assignment to someone, why do they still have my name and enough details of my correspondence to determine they didn't behave correctly? Does the DPA not require them to destroy data after 6 years?   On the same DPA note, it seems that this account is simply being passed around from one **** bag bottome feeder to another (maybe teh same one under different names), again, why is data still being processed after 6 years? Am I doomed to be persistely pursued by these scumbags until I die? Or am I worng? Are they able to process data as long as they like, even when there has been no contact for years?              
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Jamesrouse -v- HSBC


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after reading through the web site carefully for what seemed like for ever last night, i trawled through six years worth of bank statenets on line filling in all the charges on to the spread sheet provided, can't belive they charged me £60 once for apparent card missus, any who i sent of the first letter today 22/6/6

asking for £1690 back in unfair charges, now its just a case of waiting and seeing the out come, hopefully it won't be some one in a battery farm in india dealing with it, the annoy me so much but thats a different story

 

thats it for now will let you know how i'm going

 

James :D

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i got this msg today on internet banking.

 

Dear Mr Rouse

 

Please accept my sincere apologies for the inconvenience caused due to the delay in responding to your e-message dated 24 & 27 June 2006.

 

I confirm from our records that we are in receipt of your letter dated 22 June 2006. Please be advised that your query is currently being dealt by my colleagues at our Customer Relations Department.

 

You shall be contacted once the matter has been resolved.

 

Yours sincerely

 

 

Mr M Bowden

Manager Customer Credit Services

I wonder when they will respond to my letter?

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Hi,

 

Where did you send your letter too? Local branch or somewhere else.

 

I need to do this so would welcome your advice.

 

TA

 

I sent it to my local branch and they forwarded it on, i didn't send it recorded so had to get confirmation from them.

I'd recomend sending it recorded then you know they have it, and they can't deny it.

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i've never been so excited about seeing the postman waiting to see if hsbc reply, it almost like waiting for x-mas when i was a kid however it will be a very expensive present i'll get

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yes i know, i got one from hsbc solicitors today, and i thought great this should be it, but alas no they want a breakdown of my charges :( lazy ba******

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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am just preparing my lba and am wondering if anyone else has added this bit

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department

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am just preparing my lba and am wondering if anyone else has added this bit

 

 

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department

 

its recommended that you only insert that , if you are actually going to make a complaint

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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its recommended that you only insert that , if you are actually going to make a complaint

 

i gathered that mate, but was just trying to find out if otheres have, and wether it helps with the claim in anyway:|

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it wont help in your claim, and afaik most dont put it in

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 no respone to my first letter, so of i trotted to see my friendly sub post master mr singh to send off my lba, sent it to the branch as had no response to my first letter so no named contact.

 

wonder if they will respond to this, mind you i quite fancy charging them the intrest:rolleyes:

 

well i'll keep you posted

 

 

happy days

 

james

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got a reply from colin langdale in response to my first letter dated, seen as i sent my lba on the 5/7/6 they must have a back log, so they've offered me £1,500 which is £190 shy of what i was claiming, i am gonna go for the rest.

 

reckon i'll write back to mr langdale saying i'll except this amount as part settlement but rquire the rest

 

i have a question if i do this and they don't respond by next tueday which i my deadine before mcol do i do the mcol for the full amount or the £190 that is still in dispute.

 

let me know what youy think guys

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have drafted the following letter what do you think guys

 

James Rouse

42 somewhere

somwereton

somewerevill

 

Mr Colin Langdale

Service Quality Team

HSBC Bank PLC

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

 

 

 

 

Ref: **********

Re: account number ****** *******

 

 

 

Dear Sir

 

Thank you for your letter dated 10/07/06 in response to my letter dated 22/6/06, I have since sent you another letter dated 5/07/06.

 

With regard to your offer of £1500 I feel this is not acceptable, and would only except an offer of the full amount of £1690.

 

My original time scale still stands and as per my letter dated 5/07/06 you have until Tuesday the 18th July to make a full repayment of this money. If you do not comply fully within this time schedule then I shall begin a claim against you for the full amount plus my costs and without further notice.

 

 

 

Yours Sincerely

 

 

 

James Rouse

 

Cc: File

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after reading through the web site carefully for what seemed like for ever last night, i trawled through six years worth of bank statenets on line filling in all the charges on to the spread sheet provided, can't belive they charged me £60 once for apparent card missus, any who i sent of the first letter today 22/6/6

asking for £1690 back in unfair charges, now its just a case of waiting and seeing the out come, hopefully it won't be some one in a battery farm in india dealing with it, the annoy me so much but thats a different story

 

thats it for now will let you know how i'm going

 

James :D

 

I'm new here :) As for the car misuse your talking about, when i checked my statements, one month i was charged 9 times (£90) for card misuse and another month i was charged 6 times (£60) it's a joke! Over the past 6 years i've worked out i've paid £1380.50 in charges :mad: So i've drafted my first letter, and it's all ready to be sent off :grin: Good luck with yours

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I'm new here :) As for the car misuse your talking about, when i checked my statements, one month i was charged 9 times (£90) for card misuse and another month i was charged 6 times (£60) it's a joke! Over the past 6 years i've worked out i've paid £1380.50 in charges :mad: So i've drafted my first letter, and it's all ready to be sent off :grin: Good luck with yours

 

i hope you get it all back, as long as you follow the steps on this site you'll be fine

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right so i've tinked with my letter slightly and am sending it off tommorrow recorded of course.

 

this is what i am sending

Mr Colin Langdale

Service Quality Team

HSBC Bank PLC

Arlington Business Centre

Millshaw Park Lane

Leeds

LS11 0PP

Wednesday, 12th July 2006

Ref: **********

Re: account number **************

Dear Sir

Thank you for your letter dated 10/07/06 in response to my letter dated 22/6/06, I have since sent you another letter dated 5/07/06.

With regard to your offer of £1500 I feel this is not acceptable, and would only except an unconditional offer of the full amount of £1690.

My original time scale still stands and as per my letter dated 5/07/06, you have until Tuesday the 18th July to make a full repayment of this money. If you do not comply fully within this time schedule then I shall begin a claim against you for the full amount plus my costs and without further notice.

Yours Sincerely

 

lets see if they respond by tuesday, mcol all ready to go if not8)

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