Re: HSBC - unathorised payment, mishandling, informal OD and HSBC refusal to agreemen
I think it was handled unfairly and that there was a breach of the payment services regulations and that HSBC will hate you cos you have a case as far as I can see.
Originally posted by QueenAnne
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Hi,
i love you all for the responses! You are extremely helpful and giving me hope.
- I already have the SAR ready to be posted tmr morning to HSBC, the dude today said they take 40 days (?!) which I took as "we will take long enough for you not to be able to use this against us before we report the default"
- they only talk on phone in the past days so no final response from them - guess they won't put in writing that they refuse any agreement... That at least even I know is not right
With people on the phone simply state when they are being arses that you need that in writing as the Financial Ombudsman would need that. Do you record your phone calls with the bank? Worth doing if you do not.
- £1200 was the loan where they could not get the chargeback from the lender when they went after it in December: the lender sent the original agreement to them and denied receiving my letter to withdraw auth. Which I sent both HSBC and the lenders involved.
I have seen later down the page that you have proof so that nonsense is not going to sway anyone.
- I have copies of the auth withdrawing letters yes incl the post tracking, plus the lender who did chargeback to HSBC also disclosed (without any fee or delay) the case history - they even called me to discuss how they can help me when I asked them why they debited me suddenly and it turned out HSBC did this.
Oh dear HSBC are making a right hash out of this so it looks good for you at the moment
- HSBC denies I ever made offer to them, so I need the SAR to get the records incl my messages in the online banking etc that they don't give access to otherwise and I also made the offer in the complaint letter & asked for freezing interest and fees which clearly didn't happen.
Was the offer in writing/was the call recorded?
I know I messed up (I messed up when I trusted someone with my money and my home who turned on me and I messed up banking with HSBC!) And then I messed up taking the money they refunded to me tho at that point I needed it, and finally I messed up letting myself be bullied into ignorance as they would call it, for about 6 wks waiting for response to my complaint letter and not taking any of the IVR calls.
you guys gave me some hope that its not just me thinking I was handled unfairly. That dude today on the phone was absolutely ignorant telling me I just imagine and I'm wrong, what a bully. And so confident he sent me to FOS if I have anything else to say, "we cannot do anything else for you."
i love you all for the responses! You are extremely helpful and giving me hope.
- I already have the SAR ready to be posted tmr morning to HSBC, the dude today said they take 40 days (?!) which I took as "we will take long enough for you not to be able to use this against us before we report the default"
- they only talk on phone in the past days so no final response from them - guess they won't put in writing that they refuse any agreement... That at least even I know is not right
With people on the phone simply state when they are being arses that you need that in writing as the Financial Ombudsman would need that. Do you record your phone calls with the bank? Worth doing if you do not.
- £1200 was the loan where they could not get the chargeback from the lender when they went after it in December: the lender sent the original agreement to them and denied receiving my letter to withdraw auth. Which I sent both HSBC and the lenders involved.
I have seen later down the page that you have proof so that nonsense is not going to sway anyone.
- I have copies of the auth withdrawing letters yes incl the post tracking, plus the lender who did chargeback to HSBC also disclosed (without any fee or delay) the case history - they even called me to discuss how they can help me when I asked them why they debited me suddenly and it turned out HSBC did this.
Oh dear HSBC are making a right hash out of this so it looks good for you at the moment
- HSBC denies I ever made offer to them, so I need the SAR to get the records incl my messages in the online banking etc that they don't give access to otherwise and I also made the offer in the complaint letter & asked for freezing interest and fees which clearly didn't happen.
Was the offer in writing/was the call recorded?
I know I messed up (I messed up when I trusted someone with my money and my home who turned on me and I messed up banking with HSBC!) And then I messed up taking the money they refunded to me tho at that point I needed it, and finally I messed up letting myself be bullied into ignorance as they would call it, for about 6 wks waiting for response to my complaint letter and not taking any of the IVR calls.
you guys gave me some hope that its not just me thinking I was handled unfairly. That dude today on the phone was absolutely ignorant telling me I just imagine and I'm wrong, what a bully. And so confident he sent me to FOS if I have anything else to say, "we cannot do anything else for you."
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