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Hardship claim rejected by HSBC


mailmannz
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So, finally I got to speak to a human after nearly 3 months of nothing happening with my application!

 

Went through everything, person went off and came back and said "sorry, cant do anything to help as you arent in financial hardship".

 

Felt like a real kick in the guts!

 

And it was futire pointing out that the FOS has instructed banks to make payments for those in hardship, her come back was that "yes, you are in financial difficulty, but you arent in financial hardship".

 

So people, how to I lodge a claim with the Ombudsman to complain?

 

Regards

 

Mailman

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Hey mailmanz, I have given you advice, i hope on MSE with regards to why they may have rejected the claim on financial hardship terms. If you do go to the FOS please do not just argue that they didn't offer you anything because that is the wrong argument to use. You need to argue that their reasoning is wrong and the reason you are in financial hardship is based on the FSA Waiver on Bank Charges.

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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi Yourbank,

 

Sorry, I dont know what MSE means?

 

What I also notice is that HSBC has now added a late payment mark to my credit file on the 3rd of November for my credit card! had the bastards NOT taken charges from my account then there wouldnt have been a problem!

 

These guys really are taking the p1ss arent they! Its just gut wrenching having to deal with an organisation that can pretty much do what ever it wants to you!

 

Regards

 

Mailman

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Hi Yourbank,

 

Sorry, I dont know what MSE means?

 

What I also notice is that HSBC has now added a late payment mark to my credit file on the 3rd of November for my credit card! had the b*****ds NOT taken charges from my account then there wouldnt have been a problem!

 

These guys really are taking the p1ss arent they! Its just gut wrenching having to deal with an organisation that can pretty much do what ever it wants to you!

 

Regards

 

Mailman

MSE is moneysavingexpert unless you now have a clone over there ;)

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Quite possibly, where abouts did you reply to me at MSE?

 

Sorry, its been a tough week :)

 

Regards

 

Mailman

It was a long time ago so will re look at re advise on here over the weekend.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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