hsbc reclaiming

zam121

hi could someone plz help! ok basically applied for hardship with hsbc last november when i lost my job was told that it was on hold! but due to my situation getting worse i contacted the complaints department and they responded today again saying that they wont look into it as it is on hold!

what can i do?
also had a account with them which they closed and passed on to the collections team which is in arears of £3500.however my charges make up most of that.have tried to explain to them that if they look into my case and repay the charges then the remainng amount i can somehow pay off because as of yet i havent paid a penny.plz give me some much needed advice

Hailz86

As far as I am aware, and I could be wrong, they have to deal with hardship cases straight away as under the FSA regulations x

zam121

shall i call them again?and they know am in difficulty thats the reason they closed my account i just dont know what to do!have the bailifs on my case and have the bank refusing to help

tjdjer

Send the second letter regarding hardship remember to post recorded! They will sendout expenditure form, as long as you are in hardship they should deal with you although I come under the hardship guidelines and they are doing jack! I just wish they would stop delaying the inevitable. It seems there is two versions of hardship, the one on MSE and the banks version. Not many people seem to come under the banks one for some strange reason. At which point ask them if they are refusing to help and then proceed to the ombudsman service.

Also Baliffs can't do much unless you let them in! Or someone else invites them in OR you leave a door/window open!

zam121

am sharing house with 2 other people so cant really stop the bailifs! can i call hsbc and do income and expenditure over the phone?and is it worth me saying to them that if they repay my charges will repay what i owe or is that too much

tjdjer

I did it over the phone just to have a letter saying that I had not contacted them! I don't know which is better but may be best to do it by post, recorded. Would advise your housemates they should not be letting anyone in as they will have stuff taken for your debt too! The baliffs don't care!

Orford

zam121 wrote: »

am sharing house with 2 other people so cant really stop the bailifs!

Bailiffs....are you sure? Unless you already have a judgement against you, they are more likely Debt Collectors, who have no right of entry whatsoever

zam121

thanks mate<another thing shall ask for my statements for last 6 years as i asked for this last year and after which my case for financial hardship was declined have misplaced the summary of charges so shall i request for them again or should they already be on file?

tjdjer

If you have online banking, can be set up, you should just go through your statements yourself highlight any charges and doing it this way. It's how I did it!

zam121

had my account closed 2 months ago so aint got access to my statements.so i dont know whether to ask for charges again as the prvious amount of charges were until november so since then have incurred more. so should i start a fresh case but state that i have previously wrote to them also