HSBC: Help Desperatley Needed! *** Won ***

[car2403]

Let's be clear, though, conflicting opinions within a thread is good - the OP gets two views to consider, then makes a decision (hopefully **sniggers**) that considers both. Either, they decide to take your opinion on board or they don't. The important point is to state it, then the OP can either build on it, if they agree, or they can prepare to counter it at a later stage. (Which inevitably happens, somewhere along the line)

 

Don't apologise for stating your opinion - that is why we're all here.

 

Oh, and I haven't seen anyone shoot anyone else down for disagreeing with them. (Yet! )

[Mozz1]

...waiting to hear from the ICO and the FOS...waiting...waiting...

[Mozz1]

Hi folks.

 

Its been a while but the FOS have been investigating the GF's complaint against HSBC and there hasn't been anything to report.

 

Sooo...the GF got a 'phone call today from the FOS and they told her that HSBC have been asked to REMOVE the Default on her credit report!!!!!!!!!!!!!!!!!!!

 

The FOS said that the bank had NOT communicated properly with her during the dispute and prior to the expiry of the DN period and, furthermore, that the compensation sum will ALSO be awarded.

 

We don't have this in writing yet...but, if this is what happens, then it is nothing more or less than TOTAL VICTORY over HSBC.

 

The FOS will have done us proud as well.

 

I will post up the FOS letter when received if anyone is interested?

[Mozz1]

VICTORY OVER HSBC

I attach a copy of the letter received from the FOS, confirming that HSBC will now remove the Default from the GF's credit file as a consequence of the "miscommunication from HSBC."

 

Also, she gets paid the £300 compensation as well.

 

So, in the end there was no need for Court.

 

The Financial Ombudsman delivered and adjudicated this dispute superbly.

 

So, from a position of having her current account withdrawn and credit file trashed by HSBC, she now has the account back, the £300 compensation and a clean credit file.

 

Over 'n' oput folks. A big thank you to all those who helped with their support and kind advice, especially you Johnny and Car.

 

Mozz1

 

http://i822.photobucket.com/albums/zz150/mozz11/c5d367dc-1.jpg

http://i822.photobucket.com/albums/zz150/mozz11/c605ec8e.jpg

[frettful38]

Congratulations to you & your GF Mozz1, wish I am lucky as you as I too am battling with these nutters,

 

Great result, there is some hope then.

[Mozz1]

Hi Frett & thanks for the congrats.

 

Happy to post up this success to encourage others to stick to their guns. If you read back on this thread you'll see there were plenty of the "big guns" urging us to settle for the cash compensation an to give up on the removal of the Default. But we figured that a 6 year Default on the Credit File was worse and, more to the point, was unjustly issued by HSBC. So we stuck to our guns and the FOS agreed.

 

I was hoping the mods would move this thread to the HSBC success forum. However, glad you are pleased with the outcome Frett - as are we, as are we!

[the_shadow]

Sorry Mozz1, missed this one..

 

Congratulations, a victory over HSBC is a victory to savour indeed, I'll rename the thread and move now.

 

S.

[Mozz1]

Hi Shad, thanks. We weren't expecting to 'win' so it came as nice surprise that the FOS were indeed useful.

Cheers and regards,

Mozz1

[car2403]

Wow! What a result and goes against what I was expecting, TBH, so you must be over the moon!

[Mozz1]

Hi thanks car. I guess the FOS proved their worth on this occasion! Keep the faith - there is some hope out there!

[gina g]

hi Mazzone,

HSBC are a bunch of liers, anyone that has an account with this bank should move to a more trusting bank. They took me to court and i wasnt even informed until it was to late, they are very devious and sly and dont care about anyones situation. Tell your girlfreind to take advice from the CAB, if she is still out of work then she can get legal aid. HSBC have made alot of mistakes and if people dont complain then they get away with it. Will let you know how i get on with my case.

Good Luck

gina g

[Old Cogger]

more details?????? form N1 etc?