Hey ho upferret ... here they go again ... don't you think if they'd had a cast iron case they'd have taken you to court ... Ask Clarity to produce a copy of the agreement/authority they're trying to collect on...bet they can't ! It's like me saying to you ... hey .. you owe me £10 .... I can't tell you what it's for and I can't prove it ..but pay up anyway .. I don't think so .....

PS ...that's File /Save as Text .....when you open it .... it 'll give you a box suggesting the type of Windows ... just click OK ... and Bob's your uncle ........ lol

Hi Pete and meddy ... Happy new Year to you both ......... Pete ... I think if you open the PDF document ....you can "save it as Text" on your desktop ... then you can play about with it ... deleting info which is sensitive ... I've just tried it and it seems to work .............

Thanks JSA 12 .... sorry wennabee I meant to include that in my last but was in full flow as usual and forgot LOL ! If you think this is shocking for a bank JSA have a look on the thread on here reference Managed Loans .... it will open your eyes to the sort of (mal) practices these people are capable of ........ it's a big thread so I'd recommend starting from the last and working back ............. until you've had enough.. LOL ! http://www.consumeractiongroup.co.uk/forum/hsbc-bank/139521-managed-loan.html

Hee Hee ! That's told 'em in no uncertain terms wennabee .... you've been doing your homework in the CPUTR s ... and it's good that you've covered your back by leaving that account open for refunds .....although ,once you've got the refund I'd recommend getting it out of there ASAP ...

They're probably keeping their heads down .... they'll know what's going on ... but if you get any more aggro from them .. tell them it's between you and HSBC ,..... and the Ombudsman ... unless they want to mix it with FOS too ... (costs the banks about £400 a time I believe ..... ) even if they're in the right ... which they're not ...

And a Happy New Year to you Kennyh ... and mony 'o them ! I'd be interested to know myself where we are with this at the moment . ....I wait with interest ............ meanwhile ... lang may yer lum reek !

That's the way to do it , wennabee.... just take it a step at a time , let them do all the huffing and puffing .... they'll get nowhere if you don't let them hassle you ....and (usually) they'll eventually give up and go and pick on some other unsuspecting customer ..... Now you have the power !

Hi Sarah , welcome to the forum Report them to the Ministry of Justice , the more people who do this ,, the better , as someone will have to sit up and take notice ..... Also , try writing to your bank , recorded delivery , or hand in the letter and get a receipt for it ...... telling them that they are NOT to allow any more payments to be made to this shower , the bank has no right to pay YOUR money to anyone without your authority ... if they say that the card is your authority ... tell them in writing to rescind it ...... that it is withdrawn with immediate effect ........ See how you get on with that ..... and of course come back and ask if you need further help ...it may not be me , but someone will answer .............. best of luck

Hi Wennabee ..Happy new year to you ! Just to say ..you're doing absolutely the right thing by not letting them get to you ..... as for Metro sticking to any T&Cs - that is rich ,..... they don't even stick to the law for DCAs....... just a cretinous bullying shower IMHO and HSBC should be ashamed to own them ...... As I said before , as long as you have shown willing to repay at what you can afford ,.... no court is going to fault you for it ... and as JSA12 says ... they won't go there .... a court would crucify them and they know it ! And you have nothing to lose by trying to get back what they took from your son's allowance ...... keep the pressure on them .. and use the Ombudsman if necessary .. Carry on with what you're doing .. it may take time , but you'll get there ...... btw ... well done on getting your parachute account up and running .... that does empower you, they can't take money they're not entitled to .......and you can get on with your life ... And of course , you know now to come back and ask if you need help . Hope 2011 is better for you ............

Hi hotdog If you've got paperwork to back all this up, send them a Letter Before Action giving them ,say, 14 days to cough up or you will take them to court ..... quote things in the LBA that they have promised and what FOS ordered . ... all sent at least 'Recorded Delivery , of course ... Because of the time of year you may have to wait a bit longer than 14 days .... but don't give 'em too long or they'll think you're bluffing . As for CDRU , I believe they're just another pseudo DCA (like Metro |) ...if you truly owe the debt , (I can't remember , sorry ), then tell them that when HSBC comply with FOS and what they promised ..... they'll get theirs ..... if you don't owe it ... let them whistle .. tell them it's going to court if HSBC don't cough up . Have a Good Christmas , ('cos they will ) - and leave them to stew till the New Year

It has been known (not that I'm suggesting for a minute that Metro would do it ! ) for signatures to appear on other documents which haven't been signed by the customer ........... So ,best to either print your name , or make your signature distinctive in some way i.e with a loop or stroke which is not usually there , so that , if it did (inadvertently ) turn up elsewhere , you could indentify it as a copy ....

Hi wennabee, This is scare tactics usual bully boy stuff from Metro ... send off that letter you quoted above , re-iterating the fact that you have made them an offer ....... send it Recorded Delivery ... and keep a copy which you can produce to a court if necessary .. # No court is going to penalise you if you have shown willingness to pay ... and Metro knows this ... they won't go anywhere near a court .... it's a ploy to frighten you ... don't let them do it ... and they can't send bailiffs in without a court order ,which they won't get ..... You're doing all the right things ..... let them sweat ..... the ball is in their court to accept or reject your offer ....

I'd say you're going in the right direction FW ...but have you reported them to the Min of Justice as suggested by MarRec in #23 ? It may be a good idea and you can let CF know you've done it .... and any DCA's that come out of the gutter .....

Hi Lattie Lovely to hear from you again , hope all is well with you too . I'm inclined to agree with you on the new site design, although I suppose we have to move with the times (and dodge the adverts on posts ... ). Also not a lot happening on the banking front at the moment ... so posts from the old gang are pretty sparse ...... Have a lovely Christmas and New Year , Lat ... hope to hear from you again soon....

Hi Fred .... as time is of the essence I would run with that if i were you ... it should hold the Strike-out and give you a bit of breathing space .... hopefully you will get a decent extension ... Let us know how you get on .... it will help others ..... Definitive advice is a bit short on the ground at the moment .... there are cases pending , like the Govan Law Centre ....so until something is definite one way or the other .. delaying tactics are the only option at the moment .... the fact that the banks are keeping their heads down and not screaming for Strike-outs is encouraging though .

Sorry carningli .... I didn't know you wanted as reply to your last ..... What are you asking ?

No , sparkers , not at the moment , but if the court is not pestering you to do something , why not leave it until the Scottish case is resolved one way or the other : This thread is located at: http://www.consumeractiongroup.co.uk/forum/showthread.php?t=248268&goto=newpost Here is the message that has just been posted: *************** I see Govan Law Centre are to be on Rip Off Britain discussing bank charges. http://govanlc.blogspot.com/ *************** There may still be some mileage in this angle , so why abandon it unless you have to .....I saw that programme ,,,Angela Rippon ,Gloria Hunniford and Jennie Bond certainly re-surrected the injustices again ...... so who knows ?

Hi Fred , I know what you mean , all the claims seem to be in limbo at the moment awaiting the GLC case .... but the fact that the banks are keeping their heads below the parapet is encouraging I'd say ... they may be scared of a further ruling going against them .. because they didn't get it all their own way at the SC appeal ............. Meanwhile , it might help to just ring the court office and explain that you are waiting (along with loads of others ) for a decisiont be made in a case which would affect how you proceed from here ........and could they give you advice on whether there is another option to the two they gave you ...i.e, is it possible to apply for a further extention to the stay ....... It would maybe help if you have tried to come to an agreement with HSBC following the court ruling .....and they haven't sparked on it ... as the court did say that efforts should be made in the interim to come to an agreement of sorts ..... Hope that helps ......

Note for Consumer Champ : re above : Would you care to try justifying this one ?

Hi fannywaggler , welcome to the forum If you read back through this thread it may give you some ideas , especially the advice by Marcrec in posts #22 and #23 they really are the pits these people .... try not to let them get away with it ! come back if you need more help ...someone will answer ...and we're user -friendly on here ....

Sounds like progress gil-jnr ...take it slowly , you'll be amazed what you find in that lot ..... and sometimes - what you don't find ...which is what you're aim is I think ....

Hee hee ! you're a brave lady caro ! keg

No words this time - trying to make up the balance Tills? cocoa

That's a tax haven:wink: