Niddy vs HSBC

[Miss Molly]

Re: Niddy vs HSBC

Well done

[Never-In-Doubt]

Re: Niddy vs HSBC

Did you receive a response to this yet, Niddy ?

Yea, the same day

[Miss Molly]

Re: Niddy vs HSBC

I have just sent a FOI to the Financial Services Ombudsman - see what they respond with!

Did you receive a response to this yet, Niddy ?

[Handyman]

Re: Niddy vs HSBC

We hadn't...

[CleverClogs (RIP)]

Re: Niddy vs HSBC

Probably not - but we havent got a scratch my arse/bollocks emote have we?

We hadn't...

[oscar]

Re: Niddy vs HSBC

I hope not

Probably not - but we havent got a scratch my arse/bollocks emote have we?

[Never-In-Doubt]

Re: Niddy vs HSBC

I hope not

[CleverClogs (RIP)]

Re: Niddy vs HSBC

Lets see what happens eh!!

[Never-In-Doubt]

Re: Niddy vs HSBC

Ok mini update, I decided to ring the FOS and actually verbally go through the whole complaint again and then request the actual Ombudsman listen to the call so that he can get everything, and also note the change of tone/anger/frustration in my voice - I felt this was the only way to actually put across my point.

Now, he has come back to me today because I also reported HSBC to the ICO for their breaches, there are a couple of threads on here that are disputing defaults and the following info will be helpful - but obviously it was suited to my particular complaint so would need to be heavily edited.

The Ombudsman's email to me went along the lines of...

Subject: RE: Your complaint reference xxxxxxxx
Date: Fri, 20 Apr 2012 12:14:35 +0100
From: Mr Ingram
To: Mr Niddy
CC: Adjudicator

Dear Mr Niddy

The adjudicator has drawn my attention to your most recent exchanges. The recording of your telephone conversation has now been added to our file. I shall listen to it early next week and then let you know whether I consider that I need any more information before I issue my final decision.

In the meantime, it might assist me in my consideration of that point if you send me copies of anything you have sent to the ICO and of any response you may have received.

Yours sincerely

Mr Ingram
Ombudsman

So in response to this, I copied him into my formal ICO complaint which went like this;

Dear Sirs,

Please find attached to this email a formal complaint regards HSBC and their reporting of inaccurate libellous data.

I have attached one pdf document with all elements of my complaint merged into it. If you require separate copies please do let me know.

I look forward to hearing from you in due course.

Mr Niddy

cc: Mr Ingram - FOS Ombudsman

So, what was this ICO complaint then? First of all you would be better understanding that I am arguing that HSBC unlawfully added defaults to accounts that were already in dispute thus directly breaching the ICO guidelines on issuance of defaults, from 02.08.2007 (v3).

This clearly states what action should be taken when considering an account in dispute, HSBC breached this. Similarly, I have quoted the relevant sections of s.87, s.88 and s.86A (CCA1974) which are all relative.

Lets see what happens eh!!

[Batman]

Re: Niddy vs HSBC

This test case thread could change the way the corrupt Establishment treats victims(i.e. consumers). FOS bank muppets always claim they stand by UK law but they are in effect a law unto themselves and ignore all vital CCA regulations when faced with irate victims. Any clown realises that a contract that is unsigned for instance is evidence of an improper agreement. The Banker's best friend/FOS however dismiss this and advise the it is 'reasonable' to pay back a creditor that holds such scrap unsigned paper. I have been told this several times on divergent accounts. FOS also ignore all CCA requirements relating to lawful contracts when examining a case. So they ARE also happy to utterly dismiss the CCA and UK law as it suits there pro-banking reason for existence.

FOS IS A PROVABLE SHAM, A DISGUSTING RUSE TO GIVE HOLLOW LIP-SERVICE TO JUSTICE FOR CONSUMERS AND A DISGRACE! PEOPLE NEED TO SHOUT THIS FROM THE ROOFTOPS.

[Never-In-Doubt]

Re: Niddy vs HSBC

FOI Request --> & FOS Results of complaints upheld in 6 month blocks --> complaints data relating to previous six-monthly periods

This is part of my FOI request but doesn't load properly in Firefox browsers.....

Just in case you use FF and it doesn't load - open in chrome or IE.

[Never-In-Doubt]

Re: Niddy vs HSBC

Have a mooch at the following points of reference mate - good luck

DISP 3.6.4 ----> FSA Handbook - Full Handbook

S.228 (FSA) --> Financial Services and Markets Act 2000

Sch 17 (para10) --> Financial Services and Markets Act 2000

Ombudsmen (for background info) --> panel of ombudsmen

Independent Assessor --> The Independent Assessor

BBC Report --> BBC News - Financial complaints to ombudsman rise by 15%

FOI Request --> & FOS Results of complaints upheld in 6 month blocks --> complaints data relating to previous six-monthly periods

[mgfboy]

Re: Niddy vs HSBC

I have just sent a FOI to the Financial Services Ombudsman - see what they respond with!

Niddy you missed one , how many adjudicators decisions where overturned by the ombudsman ( involving banks and general)

[Never-In-Doubt]

Re: Niddy vs HSBC

If you need anything let me know mate. I've all their guidance, principles and even got my FOI results

[mgfboy]

Re: Niddy vs HSBC

Fos do seem to like you Niddy they never offered me either a review at the adjudicator stage or a prelim discision by the ombudsman.

It will be interesting when the senior manager comes back with my compliant, you have highlighted some more useful info