debt with hsbc

[pigsic]

[ScarletPimpernel]

Ah yes, the old "I regret we did not receive this letter" ploy. HSBC did this to me on six occasions, despite having signed for each of the letters.

 

I've also had the same weasel wording about an agreement. The crucial statement is: "Whilst I cannot provide the original signed agreement blah blah blah". In other words, they have admitted that the debt is unenforceable.

 

The stuff about a court taking payments into account is just misleading bolleaux - since the debt is unenforceable they'll never get that far.

 

I wrote and asked them to confirm if they could not provide it because they didn't have it (though the answer was fairly obvious), and they admitted that this was the case and that they knew the debt was unenforceable. Subsequently, they have continued to waffle and attempt to mislead by claiming that they met my s.77/78 request, and conveniently forgetting that they need the original to enforce. They really are tiresome, but it's worth being persistent.

[pigsic]

have you any idea of what letter i can to send to them now?

[The GodMother]

do u know what year the CC was taken out?

I am wondering because i dont know if these t&cs are the correct ones.

[johnnymitch]

ill try the images again

 

sorry pigsic - I'm only getting a square with a little red cross in the top left corner so can't comment at this stage - but SP has obviously got it .

 

Can anyone tell me how to access these documents,please?

[pigsic]

Hi there in the letter from hsbc it mention that the cc was taken out in 1998 so that 10 years ago i think thats about right they have given us 8 weeks do you think we should wait for 6 weeks or get on it know

[pigsic]

REGARDING DAD'S OVERDRAFT

 

Hi There regarding dad overdraft with hsbc bank we s.a.r'd them on the 3 march 08 today we got a lettr and the £10 postal order back with a list of charges when my comes back from college i will get him to post them on for me because i don't know how to do it. Then if you can look at is and advice me what to do please

thanks

pigsic

[The GodMother]

Hi Pigsic.

 

When u get home can u please look at the t&cs and find out how much the overlimit fees are for me as i can seem to find them.

[The GodMother]

all so whend did they change from midland to HBSC?

 

just a thought i cant disclose ATM

[jowalshy]

Some history of Midland to HSBC

 

Midland Bank - Wikipedia, the free encyclopedia

 

What overlimit fees are you after Godmother? Bank or credit card? Also for what year?

[The GodMother]

i was asking for the ones on the t&cs that pigsic posted up. I will explain more in a bit

[pigsic]

Heres those letters regarding dads overdraft we s.a.r'ed for

[pigsic]

[pigsic]

[pigsic]

[pigsic]

[pigsic]

[ananya]

Hi pigsic

 

Well it looks like you have the relevant information for claiming back your bank charges but the claim will only be registered as it tells you in the letter, because of the OFT case.

 

If you want to make doubly sure they have told you everything, you can insist on a copy of all of the bank statements, as they've said they'll issue them free of charge, why not have them anyway?!!

[pigsic]

so what do we do know does dad still have to pay the £270 he owes the and what do i say about the statement do i just ask them to send them

[pigsic]

how would i register a complaint i dont understand

[pigsic]

Regarding Dads Credit Card

Godmother I Dont Understand What You Want Can You Explain Please

[johnnymitch]

i was asking for the ones on the t&cs that pigsic posted up. I will explain more in a bit

 

 

Why don't you just copy and paste them into a word document godmother, then you can enlarge them and read them at your leisure?

[Castlebest]

Hiya pigsic, you need to get your claim for the £95 plus £825 HSBC have deducted from your dad underway, read the frequently asked questions and the step by step guide:)

 

the only way HSBC can make your dad pay back the £270 is by taking him to court and as it so happens this is exactly what you want too to make them look at your claim

 

good luck

 

pete

[Hopeful1]

Lisa - here's the template letters for reclaiming charges. I think letter no. 2 is the one to request payment.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

So send off a request for the charges to be refunded on the bank account.

 

Registering a complaint is basically writing a letter to them to say that you are complaining about their service.

 

[Hopeful1]

Also, you are saying this account is in dispute because the amount owed is made up of charges, therefor you are not making any further payment to the account.