Niddy vs HSBC

[Batman]

Re: Niddy vs HSBC

I was given 150 quid comp by FOS against idiots that worked 'against' me in FOS.....so?? I was also told certain things that were not true by FOS who later had to retract, thanks to my TRUECALL tapes...lol


Yer average punter stands NO chance against this mob of apathetic pro- bankers who care NOTHING for the laws relating to CCA etc....
Currently, I am using them however to play for time (yawnnnn, they aint swift workers down there) until SB comes into place...so they have their uses....lol

As Mick in the Stones said ....'Time is on my side, yes it is....'

[pompeyfaith]

Re: Niddy vs HSBC

When you get the winning judgement remember to send a copy to the FOS with a letter to politely ram down there throats.

[PlanB]

Re: Niddy vs HSBC

Final Decision - FOS are in bed with HSBC.

I'm now on a mission to have those individuals at FOS brought to task for their shoddy behaviour and obvious flaws.

The killer.

They found in my favour that charges should not have applied since April and should be refunded.

But the default issued May should stay.

Ermmm in April before the charges; I was not overdrawn

I wish I could accuse them of simple incompetence and lack of intellectual ability but I can't. There has to be a hidden agenda

Are you going to refer their *service levels* to the Independent Assessor because she seems genuinely objective to me? She can't overturn the Ombudsman's Decision but she can 'take a contrary view' and award compensation up to £100k if she thinks the FOS got it wrong

I know it's the principle and not the money (comp), but if you have someone respected who backs you then you'll stand a greater chance suing in court

What did the ICO say about all this when you filed your complaint?

[Never-In-Doubt]

Re: Niddy vs HSBC

I wish I could accuse them of simple incompetence and lack of intellectual ability but I can't. There has to be a hidden agenda

Are you going to refer their *service levels* to the Independent Assessor because she seems genuinely objective to me? She can't overturn the Ombudsman's Decision but she can 'take a contrary view' and award compensation up to £100k if she thinks the FOS got it wrong

I know it's the principle and not the money (comp), but if you have someone respected who backs you then you'll stand a greater chance suing in court

What did the ICO say about all this when you filed your complaint?

The independent assessor won't consider this will she, cos she cannot consider the merits of a case.

Yea I have a few grievances about process and they also confirmed on phone they agreed with me to then write and say they agreed with the bank (confirmed as an error by fos) and they also paid me £150 compo for the complaint.

They do admit a lot of course, but to be fair I just think a nice legal claim is best served at this point. I'll think about my options and digest info here, tonight.....

[Never-In-Doubt]

Re: Niddy vs HSBC

You are in Scotland aren't you ? Then it's binding.

M1

I'm in England but Scottish

[Paul.]

Re: Niddy vs HSBC

I'm in England but Scottish

yeah hes scottish, celtic supporter ya know

[Never-In-Doubt]

Re: Niddy vs HSBC

yeah hes scottish, celtic supporter ya know

No Mystery is the celtic fan. I'm a proud blue nose

[Paul.]

Re: Niddy vs HSBC

No Mystery is the celtic fan. I'm a proud blue nose

oh yes

you support that club thats broke, got no players and nows about to get buggered even worst by the SFA for taking the matter to a civil court and not the court for arbitration for sport

how could i have possibly got the two mistaken

[mystery1]

Re: Niddy vs HSBC

yeah hes scottish, celtic supporter ya know

Here we go again
We're on the road aga

No Mystery is the celtic fan. I'm a proud blue nose

Oh ..

M1

[Never-In-Doubt]

Re: Niddy vs HSBC

about to get buggered even worst by the SFA for taking the matter to a civil court and not the court for arbitration for sport

Really...?

Watch this space, all they'll do is kick us out of Scottish cup for a season -

They need us more than we need them - remember that!

[PlanB]

Re: Niddy vs HSBC

The independent assessor won't consider this will she, cos she cannot consider the merits of a case.

Yea I have a few grievances about process and they also confirmed on phone they agreed with me to then write and say they agreed with the bank (confirmed as an error by fos) and they also paid me £150 compo for the complaint.

They do admit a lot of course, but to be fair I just think a nice legal claim is best served at this point. I'll think about my options and digest info here, tonight.....

A legal claim is good. But think how much better it might be if you've got the Independant Assessor's evidence saying the FOS f*cked up it's own procedures along the line to add to your Trial Bundle

[Paul.]

Re: Niddy vs HSBC

Really...?

Watch this space, all they'll do is kick us out of Scottish cup for a season -

They need us more than we need them - remember that!

FIFA has demanded it apparently or was it UEFA

one of them anyway

[Batman]

Re: Niddy vs HSBC

But that's the case with almost any institution in this country... no-one wants to 'upset the City'!

Yes, same with all institutions and same with politics and religion too....

No one wishes to rock the boat for fear of being tipped out...

Still, what would I possibly know about such things...lol

[mgfboy]

Re: Niddy vs HSBC

A legal claim is good. But think how much better it might be if you've got the Independant Assessor's evidence saying the FOS f*cked up it's own procedures along the line to add to your Trial Bundle

I agree , it can't do any harm. It will be interesting to see what I get back from the Independant Assessor, it might give some insite to her thought processes.

[PlanB]

Re: Niddy vs HSBC

The Independent Assessor upheld my complaint. She advised me strongly to take formal legal advice on the consequences of the bank's (Mortgage Express) actions and my resulting financial loss and she itemised the precise issues. It was a clear message. I like the Independent Assessor