HSBC Stole my money

usedandabused

I'm not disputing this fact hence the reason I have not started ranting and raving about bank charges and so on.

The point I am questioning here is the point of Law.
The personal Loan is a separate area of business arranged completely separate from the current account. The credit Card is with a completely separate Financial Institution and as such the only person able to authorise funds from this account to be dispersed is myself or the credit card company. As such I can dictate what these funds are to be used for.

A separate agreement had already been reached regarding paying the overdraft and associated fees and I am not disputing the overdraft fees.

The point I have tried to put across here is that as the Customer Services Operative Informed me that the payment was going to be processed and made towards the months loan repayment. He was legally obliged to do just that. By diverting the funds to another account I believe he has committed an offence of Fraud by False Representation contrary to Section 2 of the Fraud Act 2006 by directly informing me that this payment was going to go straight into the personal loan account.[/QUOTE]


you're in the right, fight this and put in a complaint, they should cave

siggy1802

Lokolo wrote: »

Bank holidays are forseeable and so anything that may incur changes could have been avoided.

The sub prime mortgage fiasco was also foreseeable yet we're all paying the price for that. As previously stated I am not complaining about any bank charges incurred.

pelirocco wrote: »

The other point of view is if you go overdrawn you are stealing the banks money?

Theft as defined by Section 1 of The Theft Act 1968
A person is guilty of theft if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it; and ‘thief’ and ‘steal’ shall be construed accordingly.

I've highlighted the word dishonest in this section as making an error which was corrected in less than 7 days is not something I would class as dishonest. Also please don't imply that I am a thief. The bank has a very robust charging sytem inplace that covers overdrafts and for the 10th time today I AM NOT ON HERE COMPLAINING ABOUT THE BANKS IMPOSED OVERDRAFT FEES IN RELATION TO THIS MATTER.

HouseHuntr

Sounds like your whole post is just a complete load of TOSH so poke off TROLL !

usedandabused

siggy1802 wrote: »

Lokolo wrote: »

Also please don't imply that I am a thief. The bank has a very robust charging sytem inplace that covers overdrafts and for the 10th time today I AM NOT ON HERE COMPLAINING ABOUT THE BANKS IMPOSED OVERDRAFT FEES IN RELATION TO THIS MATTER.

welcome to MSE forums


there are a few on here that think they are all high and mighty, look down their nose at people, and imply we're all theives and can not manage money or understand the rules.

they have no understanding of the real world, many people like myself only had problems with for my example HSBC because the company i worked for went bust, i was on 30k+, had OD and credit cards which i could manage on such a handsome salary.

I was an interior design consultant, then i had to sign on for 3 weeks, got myself a sales assistant job (homebase selling paint if you want to know) on minimum wage just so i wouldn't have to claim benefit because i'm a fit and able bodied man, and refuse to claim when there are still a few jobs out there to be filled.

obviously i couldn't manage my minimum payments on my HSBC credit card, and had trouble with my OD due to reduced income, HSBC just defaulted me, threatened me with legal action, didn't even try to help me, and my savings account with them raided to repay some off my debt.

i repaid my debt initially with token payments, then larger payments, i am free from my debt i owe to them.

yet people are so quick on here to imply i'm bone idle, or on this thread alone, can't manage money or understand rules, or worse still suggest someone like yourself is stealing.

Lokolo

usedandabused wrote: »

welcome to MSE forums


there are a few on here that think they are all high and mighty, look down their nose at people, and imply we're all theives and can not manage money or understand the rules.

they have no understanding of the real world, many people like myself only had problems with for my example HSBC because the company i worked for went bust, i was on 30k+, had OD and credit cards which i could manage on such a handsome salary.

I was an interior design consultant, then i had to sign on for 3 weeks, got myself a sales assistant job (homebase selling paint if you want to know) on minimum wage just so i wouldn't have to claim benefit because i'm a fit and able bodied man, and refuse to claim when there are still a few jobs out there to be filled.

obviously i couldn't manage my minimum payments on my HSBC credit card, and had trouble with my OD due to reduced income, HSBC just defaulted me, threatened me with legal action, didn't even try to help me, and my savings account with them raided to repay some off my debt.

i repaid my debt initially with token payments, then larger payments, i am free from my debt i owe to them.

yet people are so quick on here to imply i'm bone idle, or on this thread alone, can't manage money or understand rules, or worse still suggest someone like yourself is stealing.

Could you please learn to use a computer and quote properly please.

If you were on £30k you shouldn't need an overdraft or large credit card.

Yes I am all high and mighty. Do I care what you think? Nope

usedandabused

HouseHuntr wrote: »

Sounds like your whole post is just a complete load of TOSH so poke off TROLL !

really why would say that?

usedandabused

Lokolo wrote: »

Could you please learn to use a computer and quote properly please.

If you were on £30k you shouldn't need an overdraft or large credit card.

Yes I am all high and mighty. Do I care what you think? Nope

i'll learn to quote properly if you can learn some manners until then................................


and to that latter? really earning 30K means you don't need an OD? or a large credit card?

Behave, live in the real world.


you act high and mighty, doesn't mean you are.

now take care

siggy1802

Lokolo wrote: »

Yes I am all high and mighty. Do I care what you think? Nope

Yet you still feel the need to reply to something you don't care about:rotfl:

Lokolo

siggy1802 wrote: »

Yet you still feel the need to reply to something you don't care about:rotfl:

Well I may as well do something whilst I am waiting for someone to do the work they owe me.

Lokolo

Oh and have you written a complaint yet like I suggested?