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compensation for hsbc default advice needed

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  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    May I remind you of the closing sentence of your OP...

    "Any advice kindly appreciated."

    I've given you lots of advice, but it seems to have fallen on deaf ears! For the record I don't work for the FOS, but I have used them on several occasions when I haven't managed to get complaints resolved with the institutions directly.

    You can say what you like about this constant referencing to the FOS, but they're your best source of advice on any likely compensation.

    So, what did the FOS say when you called them today?
  • MonkeyMad
    MonkeyMad Posts: 421 Forumite
    nadsta1 wrote: »

    The severity of my case is obvious otherwise if it was a simple small thing the team members of hsbc's quality team on minimum wage would be dealing with it, not the boss himself.

    Perhaps the manager likes to deal with the more amusing cases himself to brighten his day up?
  • nadsta1 wrote: »
    I have asked y'all what experience your talking from, and you failed to say, so sitting on here saying "so and so is so knowledgeable" is bloody worthless to me. Actually keep this post open, and when I get a reply from hsbc regarding a settlement I willscan it on here for you that will shut you up.

    Not particularly. Many of us also regularly use photoshop ;)

    You'll be lucky to get a couple of hundred quid - and thats if you really push it.

    £10,000+? - not a snow ball's. lol.

    There really is only one person that is going to shut up when that final offer comes in....
  • MonkeyMad wrote: »
    Perhaps the manager likes to deal with the more amusing cases himself to brighten his day up?

    That is in fact EXACTLY what used to happen in my office...:rotfl:
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    nadsta1 wrote: »
    In September 2010 hsbc wrote to me saying if I paid 75% of my loan off the remaining 25% would be covered by them. That £216 was the 25% they should have covered.

    If you didn't meet your contractual obligations in full. Then in legalese it's technically a default. A failure to settle. So the lender has every right to warn other lenders or credit offering institutions of this fact.
    Your credit record is factually correct.
  • Hanky_Panky
    Hanky_Panky Posts: 767 Forumite
    OP you wanted someone to respond who has experience - that's me. I used to be the guy who responded to complaints like yours before they were escalated to the FOS - OK ? That means I have LOTS OF EXPERIENCE.

    I would maybe have sent you flowers to recognise the fact that you have been SLIGHTLY INCOVENIENCED, possibly £100 tops. In fact if you had been as aggressive with me as you have been on this post I would have told you (politely) to sod off and let the FOS deal with it as you most likely would get sod all.

    You are truly living in a paralell universe if you think you deserve a five figure sum.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    OP you wanted someone to respond who has experience - that's me. I used to be the guy who responded to complaints like yours before they were escalated to the FOS - OK ? That means I have LOTS OF EXPERIENCE.

    I would maybe have sent you flowers to recognise the fact that you have been SLIGHTLY INCOVENIENCED, possibly £100 tops. In fact if you had been as aggressive with me as you have been on this post I would have told you (politely) to sod off and let the FOS deal with it as you most likely would get sod all.

    You are truly living in a paralell universe if you think you deserve a five figure sum.


    Sounds good, I go the extra miles for customers like him
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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