Mountaneer
Registered UsersChange your profile picture
-
Posts
57 -
Joined
-
Last visited
Reputation
2 NeutralRecent Profile Visitors
The recent visitors block is disabled and is not being shown to other users.
-
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
I will be asking incoming calls to my own number so why will be called a third party ? -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
If I have started a complaint process with HSBC AND a case with an ombudsman, Can I place a court order? -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
Many Thanks, Andyorch. And which court should I send this to? Please advise. -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
The call was not made from bank's landline/recorded line and so the bank says it does not have this information. So the only option for me is to get this information from my service provider. -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
DSAR is only for outgoing calls. Not incoming calls. -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
I have seen that link you just sent on the internet. What I need to know is what fee needs to be submitted and whether that is an authentic reply. -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
Virgin Media said that they release such info when they get court order. -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
This is about two years ago. Virgin Mobile confirmed that they can provide incoming call details of the date I need. Please help me know the relevant form. -
Court Application for incoming call details
Mountaneer replied to Mountaneer's topic in General Legal Issues
Many Thanks, HoneyBee for reply. I need to show the bank that one of its employees/advisors had discussions with me and that those were incoming calls to my mobile. The bank is refusing to take my point without evidence. -
Mountaneer started following Court Application for incoming call details
-
Dear Friends, I need to get details of incoming calls to my phone. I was advised by Virgin Mobile that under GDPR regulation, only the outgoing call details can be provided and for incoming call details, I will need to get a court order. Please can you help me with this as to which court form needs to be filled and what fees should be paid? Thanks
-
Mortgage advice given on unrecorded line
Mountaneer replied to Mountaneer's topic in Mortgages and Secured Loans
Hello Friends, I am coming back on this. While the FCA has confirmed to me that HSBC must have to keep records for three years, I think it can be a bit harder for me to go to court and prove it all out. I am waiting in the hope that the rates come down reasonably cheaper by end of my 2-year period and I may shun this. There is this other thing during the advice that happened. The advisor did not give me any advice that he should have. Please read through this and you can understand the point I am making. What I request is to help me frame the text so that it has maximum impact. Mortgage advisor name = Gary At around 30 minutes into the advice meeting, Gary mentioned that I was close to the 70% ( 71.5% ) tranche and thus could get a better rate.I appreciate that Gary mentioned the 70% target was close but he made no attempt to figure out how much I would need to shell out to get into the 70% tranche and left it for me to work out myself. Gary neglected his duty of care towards customers at this stage. Gary was well-equipped with all the knowledge and experience and software at his disposal and still made no attempt to work out the numbers and instead just skimmed over quickly at this point. Gary compromised the interest of the customer. I had told him what my monthly payment towards the principal was so he could have worked out by the end of Nov-2021, how much I would be falling short of for the 70% tranche. My friends and other advisors looked into this and believe it would be close to about £800.00, which is a paltry amount. Gary should have worked out this number and proposed it to me. Gary was well-equipped with all the tools and software and still made no attempt to work out these numbers. Better still, my friends and advisors say that Gary should have suggested that if I move my start date further in the future by a month or two, I would naturally fall in the 70% tranche and thus reduce the early exit fee to Barclays as well. In fact, since he knew that the rate was going to be locked for six months, it was possible for me to avoid all of the early termination fees to Barclays and comfortably be in the 70% tranche as well. I signed the mortgage offer on the basis that the advice given by Gary [edited - HB] was the best in my interest. Why would I spend an hour and a half with the advisor, if I had the ability and confidence to work out the best mortgage for myself? -
Mortgage advice given on unrecorded line
Mountaneer replied to Mountaneer's topic in Mortgages and Secured Loans
I do not have their response letter left, I will have to look up my mailbox. It was a few months back. The complaint was logged over the phone and there was no letter as such from my side in writing. They just said that there is no evidence to prove my point about unrecorded talks. I can re-raise this now that I have the evidence that the talk did take place. But I am sure they will turn it down as they know the ombudsman will favour them eventually. That's why I want to take the matter to court. -
Mortgage advice given on unrecorded line
Mountaneer replied to Mountaneer's topic in Mortgages and Secured Loans
Hello Ethel & Others, Many Thanks for the reply. Yes, I have complained to HSBC and as expected they did not uphold it. From my own experience and feedback from the public, Trustpilot reviews etc, I think FOS sides with banks and insurance companies. And if the ombudsman gave a judgement in HSBC's favour, then HSBC can use that judgement to bolster their case in court argument. With FOS, I will not be able to argue. FOS are not bound to details as to how they came to a certain decision. So please let me know if my thoughts above are misplaced. -
Mortgage advice given on unrecorded line
Mountaneer replied to Mountaneer's topic in Mortgages and Secured Loans
See claim-wise, I would ask for my mortgage tenor to be made 5 years, as per what I mentioned in the main recorded advise session. -
Mortgage advice given on unrecorded line
Mountaneer replied to Mountaneer's topic in Mortgages and Secured Loans
Thanks, Ethel Street and DX Team for the answers. I will go to a court hearing if that makes my case better. But in that case, will I be better off with a solicitor to argue my case? Will I be provided with questions from the defence ( HSBC) before the hearing?