hello citizenB, I have now received a letter by senior manager of 'Final Response Team' at HSBC. I have also heard from OFS, returning my copies of correspondence with HSBC. A case has not been formally set up with them as I have not completed their form however, they have had an initial contact with HSBC. OFS received the same false information and fabrications from HSBC as I have. HSBC have deceptively called all outstanding issues "resolved". At this point, I am keen to resolve this matter quickly rather than officially referring it to OFS, for that, I am thinking of taking legal action and, I wonder if I could trouble you with some advice. I am not in dispute for any debt. MY AIM IS TO PREDOMINANTLY BRING HSBC'S UNACCEPTABLE AND UNLAWFUL CONDUCT INTO THE PUBLIC ARENA, AND HOPEFULLY, TO AFFECT 'SOME' CHANGES. I have had the ability and skill to confront them from the outset. In order to defend myself against their rapid campaign of fabrications, I educated myself MAINLY THROUGH THIS SITE. I believe that many can not do that. It is so easy to fall into traps when banks set out to fabricate non-payment accounts. I have never owed them money or fallen behind. I was utterly and completely innocent. In taking action, I also aim for a substantial compensation as I believe it would be the most effective way to make them admit to their unlawful and unethical behaviour. Despite HSBC's refusal to further correspond with me, I would like to write a short reply to convey my rejection of their investigations and so called "resolution of all issues". I am afraid I can't find a template for it. Is this the so called 'letter of Intent'? I am planning to approach this action from 2 angles, human and legal. Legally, they have incriminated themselves in many ways, documents I hold seem to show the following: -Intent to fabrication -Deliberate misrepresentation of facts causing person to suffer damages -Systematic rejection of valid issues -Defective search and investigation and further deliberate failure to take measures -Suppress and conceal facts and evidence from consumer and OFS -Entrapment -Harassment -Failure to protect consumer's personal and financial data -Log Disputed late payments and the resultant outstanding debt with CA. -Log Disputed debt and the resultant reduction of credit limit with CA. -Continual manipulation of figures for the benefit of the bank From the Human angle, I have problem in figuring out what is relevant and how to turn them into a basis for compensation. Financially, had I not fought vigorously, I would be having a non-payment debt account for just under 5k and would have suffered the consequences with my credit records. However, I suffered minimal amount of late penalty and interest charges which are still in dispute. Nevertheless, I have endured enormous amount of distress. Deceptions caused numerous traumatic situations. I have documented instances of serious emergency visits to seek medical help due to unprecedented trauma and stress. HSBC threw me a £20 goodwill gesture in July and, then accounted it as part of their refunded charges. In their last and final letter whilst continuing with deceptions and twisting facts, have thrown another £100.00 at me. I am offended and would like to reject that. Can I? Ideally, I would like to ask for the highest compensation figure one could. The higher, the better for me personally. In addition at some point, I intend to inform the public of their shameful conduct. A large figure would draw public's attention more effectively. The question is, should I give a figure and openly ask for compensation in my letter of intent? Do you think I have any grounds? Has this been done before, if so where can I find information. This is a huge fight, I know!! PERHAPS OTHER FRIENDS AT CAG WOULD LIKE TO JOIN ME?? OR ADVISE?? PLEASE Thank you very much for your patience, I hope I haven't broken CAG rules with this long message.

Hi, there again, many thanks for your reply. I wrote to HSBC to ask for my SAR, sent them postal order for £10, I wrote in the back "for SAR purpose". In my request, I copied SAR sample from our forum to list details I required. However, after a week, they have replied "your Data Access Request" will be forwarded. Is this the same as SAR, or something less comprehensive? what shall I do now? I've had a number of correspondence with HSBC since I last wrote. In their last reply - throwing £100 compensation at me! says it will be their last- they continue to be twisting and fabricating facts and figures. It seems I have to start thinking about going to court now. Would it be of any use if I forwarded my file (50) pages to BBC Watch dog now? So sorry to trouble you again, looking at other threads, I see that some people have completed s form for their SAR, should I have done so, or was it ok as it appeared as part of my correspondence to them. Another thing that worries me is that I have sent my request to the Resolution/Quality team departments and NOT the address given on some threads. Does it mean that I have to do it again, or would this be passed on to the right department? Thank you so much for your help, I am a novice and trying to educate myself and take the right steps- IAM scared!

Hi CitizenB Thank you ever so much for your reply. I won't take it further with the Ombudsman for the time being. Question is should I also get my records from the 3 CAs? would it affect anything? would it make me give more information than they already have? Should I apply to them online or is it better to write to them. I read that nevertheless, they would send me additional forms to complete. The alternative route is to wait for results of SAR and see details from that end, which would you suggest considering that my time is up and I am to reply to HSBC's last letter to ask them why they have reduced my credit limit by half. In addition I need to challenge their reply as to why they bounced the money I send them twice. At the moment they say it would have put my acct balance into credit! I will be most grateful if someone could tell me if they can make such claims and, if so, how should I challenge them. Please please can I have more speedy responses fro you guys out there....

Hi rebble11 Great joy, I'm a new one to this and am so glad I've managed,at last, to set up a thread and receive your reply. I think I made a mistake in setting up a name here, I am in fact Mrs She I look forward to hearing guy's advice. Just got the £10 money order arranged to send out. ta

Hi, can you please advise. HSBC Card started to build a case against me by their sudden attacks. For months they gave assurance that my account was not blocked, however, each time I used my card, they denied transactions. They then stopped sending me statements to make my account go to negative, they claimed they had sent statements! I found out what the ourstanding balance was on the automated system. They bounced back my attempts to make payments via internet - I made around £80 more than I owed. They then started to harass me by telephone and several letters from their Recovery department. I wrote several times to them and all tel conversations and tel call logs are documented. Eventually I made the same payment at their branch. I wrote them my last letter warning them that I would inform the media of their conduct. I also kept sending the Ombudsman copies of all correspondence and informed HSBC of it. The Ombudsman had not come back to me to even confirm receipt of docs. However, this time, the Ombudsman returned my documents to me and asked mr to fill a form. HSBC, in response - I had posted my letters to 5 departments involved - accepted my payment. They send a dubious letter, apologising and accepting errors but.. They have reduced my credit amount by half and have not put it right. Based on so many lies, I can not believe they had not distorted my credit records. They say that they returned my payments because the amount was more than outstanding balance, they claim it it their rules. I have always made extra payments to all my credit cards including these guys. Surely that is rubbish. Besides, they because gave assurance that my account was not blocked, they put me in a terrible position where each time I attempted to use my card I found it blocked. At the time I did not have another card to use so on each occasion I was taken off guard and unprepared. As the result I had to use a debit card connected to my current account at a different bank. This resulted in overdrafts and many charges and penaulties. It is their fault, I lost money and surely that must have affected my credit records. How can I challenge them? They have lied so much and I need to verify those and put them right. I also want to challenge their nonsensical claim regarding their refusals to take money. Through their actions since November they cause enormous distress to me. I warned them about their unreasonable telephone calls against my instruction to write to me and as the result of all these, I ended up with serious deterioration of my health - I ended up at a cardiologists urgent consulting rooms. Please advise me how to respond to these guys. The Ombudsman wrote today, stating that they have contacted HSBC and everything should now be resolved, that is not true. How do I deal with both HSBC and Ombudsman? Should I now complete their form, or should I carry on by myself as before. I would like to resolve this matter quickly, so would completing the Ombudsman's form jeopardise my immediate options and, in case I need to court, would this cause delays or adverse affects? I have given a very brief of the problems but they truly resorted to such unprecedented and devious actions for no good reason as far as I am concerned. I have always been an impeccable customer - they admit it too - yet for some reason they selected me for their shameful schemes. I really need advise urgently as I need to reply to their letter. Many thanks: