Niddy vs HSBC

[Never-In-Doubt]

Re: Niddy vs HSBC

So you'll be seeking a disclosure order against UGLE and its affiliated Lodges?

Care to be more specific please mate?

The other stuff, thanks - very interesting..... However Mr Van Spall left and had little say, it's the current boss and Mr Jones I need proof of, ideally proof of malpractice and/or involvement of banking or third party interests that can conflict their positions.

[Never-In-Doubt]

Re: Niddy vs HSBC

I think Batman would agree that the FOS are pretty poor. He has seen more adjudicators come and go... ! As for Richard Jones.. I suggest, you dont ask Batman for a comment on him !!

has batman dealt with the same guy that dealt with my complaint?

Wonder if he fancies taking dual action against him with me? Thing is, I have such a strong case it's rather amusing, lets not forget that the bank defaulted me the same month I apparently missed a payment into my overdraft and have admitted never sending a DN yet went ahead and defaulted me yet the FOS say "Mr Jones did correct"

Yea whatever -

[Miss Molly]

Re: Niddy vs HSBC

I think Batman would agree that the FOS are pretty poor. He has seen more adjudicators come and go... ! As for Richard Jones.. I suggest, you dont ask Batman for a comment on him !!

[CleverClogs (RIP)]

Re: Niddy vs HSBC

From Mr Dominic Van Spall - free company director check. Companies House Information and Free company financial check on VAN SPALL CONSULTANCY LTD. Free company accounts. Companies House information - does this look like tax avoidance?

[CleverClogs (RIP)]

Re: Niddy vs HSBC

From McCCarthy Cars:

[CleverClogs (RIP)]

Re: Niddy vs HSBC

From LinkedIn:

[CleverClogs (RIP)]

Re: Niddy vs HSBC

This says it all really.... from the head of adjudicators on banking!

The colour change within the text shows the copy/paste

Indeed.

Dominic Van Spall

That's an interesting name to Google.

[CleverClogs (RIP)]

Re: Niddy vs HSBC

So you'll be seeking a disclosure order against UGLE and its affiliated Lodges?

[Never-In-Doubt]

Re: Niddy vs HSBC

This says it all really.... from the head of adjudicators on banking!

The colour change within the text shows the copy/paste

I am writing further to your request that a senior manager reviews your complaint about our service. I am the senior manager responsible for the area where your case was investigated. I have looked into the complaint you have raised about the level of service we provided when dealing with your case.

I understand that you are unhappy with the adjudicator's findings. Specifically, you have made reference to parts of the Consumer Credit Act and the OFT Guidelines that you feel HSBC has breached and would like this looked into as part of your complaint about our service. You have also raised the point about the letter you wrote to the CEO of HSBC.

My role is to look into the service we have provided you. I am unable to comment on the merits of your case - this is the role of the adjudicator and ultimately, the ombudsman. Because of this, I am unable to comment on how the adjudicator, Richard Jones, reached his opinion based on his interpretation of the evidence provided. This is why Mr Jones' manager, Jon Pearce, would not have addressed this point in his response to your complaint about our service. I would also highlight that adjudicators and ombudsmen are not obliged to comment on every point raised by either party. Their role is to consider all the evidence provided and comment on what they feel is the crux of the case.

I am satisfied that Mr Jones has fully considered your case and has provided reasons for his findings. Additionally, the case review adjudicator has also reviewed your file. I therefore do not feel it is necessary for another adjudicator to investigate your case. If a consumer or business is unhappy with the adjudicator’s opinion they can ask for their case to be reviewed afresh by an ombudsman. As you do not agree with Mr Jones' findings, this option is available to you. The ombudsman will consider the entire file and reach their own decision based on the evidence provided by both parties.
I also note that you would like compensation for the time you have spent compiling your case and corresponding with our members of staff as per the guidance on our website. However, the information on our website reads, 'In awarding compensation, we sometimes make allowance for the time the consumer needed to spend to put things right – though not usually for the consumer’s time in dealing with us' (http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm). This is because we require a consumer's submissions in order to be able to consider their case fully and this is a necessary part of our process.

I know you are unhappy that you have had to compile your complaint for each new manager and feel that it should have been properly addressed by the original manager, Dominic Van Spall. I agree that Mr Van Spall should have addressed your complaint about our service in full when you first raised it. You spoke with Mr Van Spall on 30 December 2011, and he left our service on 6 January 2012, which is why it was not addressed at that time. I am very sorry that this happened. As Mr Van Spall has left our service, I am unable to provide feedback on this point to him, but I will make the department aware so that this does not happen again.

Mr Pearce responded to your complaint about our service on 24 February 2012 and I am pleased to see that he provided £150 compensation for the way in which your case was handled and the service we provided. I appreciate that you have said you will not accept this, but I am satisfied that this is appropriate in the circumstances and in light of the errors that Mr Pearce outlined in his email. I am also very sorry for these errors as we should have provided you with a better level of service than we did.

As your case has been reviewed by a case review adjudicator, it is ready to be passed to an ombudsman, which is the next stage in our process. Your case has now been prioritised so I will pass it directly to an ombudsman once you have confirmed to me that this is the action you would like to take.

I have now completed my investigation into your complaint about the level of service we have provided. I hope this will help resolve your concerns – and that you are satisfied I have taken this matter seriously and dealt with it promptly and fully.

However, if you are still unhappy, you can contact the Independent Assessor - Mrs L Costelloe Baker OBE. The attached links and terms of reference explain her role and provides her contact details.
In particular, you will see that:

• • you have three months from today to refer your complaint to the Independent Assessor;
  • the Independent Assessor can only become involved if you ask her to yourself. I cannot do this on your behalf; and
  • the Independent Assessor can investigate the level of service we have provided. But she cannot consider whether we were right to uphold or reject a dispute between a business and a consumer.
  
  

http://www.financial-ombudsman.org.uk/publications/factsheets/complaints-about-our-service.pdf

http://www.financial-ombudsman.org.uk/about/IA_terms_reference.htm


Yours sincerely

Simon Coe
Head of Casework Teams for Banking and Credit

[Never-In-Doubt]

Re: Niddy vs HSBC

Had there been a Lodge Meeting between the conversation and the letter being written?

One can only assume so mate - sickening.

[CleverClogs (RIP)]

Re: Niddy vs HSBC

don't bank on it, I have a recording from the muppet adjudicator saying "I agree Mr Niddy, HSBC have treated you unfairly" yet two days later he finds in their favour and says he made an error saying that to me.

Maybe he means he got told to reverse it.

Had there been a Lodge Meeting between the conversation and the letter being written?

[Never-In-Doubt]

Re: Niddy vs HSBC

I do wonder if HSBC do have some magic power over FOS , I do believe one of the senior people in FOS is ex HSBC but I'm sure that would have no impact

don't bank on it, I have a recording from the muppet adjudicator saying "I agree Mr Niddy, HSBC have treated you unfairly" yet two days later he finds in their favour and says he made an error saying that to me.

Maybe he means he got told to reverse it. Anyhoo, gotta leave this for now as I know they read this and don't want them to know what I am doing next....

[mgfboy]

Re: Niddy vs HSBC

I do wonder if HSBC do have some magic power over FOS , I do believe one of the senior people in FOS is ex HSBC but I'm sure that would have no impact

[Never-In-Doubt]

Re: Niddy vs HSBC

Why do you suppose I refer to the FOS as the Fobbing Off Service or suggest that it is staffed by Fuckwitted and Obstructive Simpletons?

Yep totally agree mate. They make me sick.

An unqualified waste of space, such as my last adjudicator, has made an assessment that will affect me for over 6 years and they think they're untouchable.

I'll set precedent as I'm going to sue that exact adjudicator for damages. Why not, sorry if a surgeon slips and cuts my finger off I can sue him. If my neighbour batters me I can sue him so if a service I use fucks me over for 6 years based on an amateur with no formal qualifications then I ought to able to sue him.

I'll let you know how it goes.

[CleverClogs (RIP)]

Re: Niddy vs HSBC

Ahh that was nothing, this fiasco here though makes me sick - I was shit on, no other way of wording it, and the fos miss all the regulatory elements and dismiss them as non essential yet thats the fundamental argument I have, I CANCELLED the Plus element a year ago thus had it been actioned I would not be OD nor defaulted.

Yet HSBC did no wrong

They really are fuckwits.

Why do you suppose I refer to the FOS as the Fobbing Off Service or suggest that it is staffed by Fuckwitted and Obstructive Simpletons?