HSBC ARE NOT GIVING ME INFORMATION AFTER 2 YEARS OF ASKING

benny213

When I got sick several years ago,  citizens advice took over my depts with my ex wife giving them the details, I have been paying an account with moorcroft , but recently  saw the balance was over £17000.00   since I never had any account with HSBC for  any thing like that amount I contacted moorcroft and  explained this to them and  asked what account this was for ,  this was almost 2 years ago  and  I have since asked several times, moorcroft  just say  they have passed it on to HSBC who never get  back to be  until this  last time a few weeks ago,  when they sent a letter saying,
We're sorry

We know it is not what you want to hear  but we haven't been able to resolve the complaint yet.
Every customer is important to us, and we're focusing on helping put things right for each and every customer that raises a complaint with us . We'll be in touch as soon as we  can.
Thanks for your continued patience and once again please accept our apologies for the delay.
Yours sincerely 
  V H
Complaints specialist

What if any thing can I do ?

born_again

benny213 said:

When I got sick several years ago,  citizens advice took over my depts with my ex wife giving them the details, I have been paying an account with moorcroft , but recently  saw the balance was over £17000.00   since I never had any account with HSBC for  any thing like that amount I contacted moorcroft and  explained this to them and  asked what account this was for ,  this was almost 2 years ago  and  I have since asked several times, moorcroft  just say  they have passed it on to HSBC who never get  back to be  until this  last time a few weeks ago,  when they sent a letter saying,
We're sorry

We know it is not what you want to hear  but we haven't been able to resolve the complaint yet.
Every customer is important to us, and we're focusing on helping put things right for each and every customer that raises a complaint with us . We'll be in touch as soon as we  can.
Thanks for your continued patience and once again please accept our apologies for the delay.
Yours sincerely 
  V H
Complaints specialist

What if any thing can I do ?

Is this a case of you are paying into a HSBC account?
As Moorcroft could bank with HSBC.

TBH if you have a £17K. You would be better speaking to one of the debt charities such as
https://www.stepchange.org/

Brie

It does sound like you would be better getting assistance to deal with this.  As the other poster has mentioned StepChange can help.  There's also NationalDebtline, Community Money Advisers (CMA) & Christians Against Poverty (CAP).  Sometimes the debt agencies take a bit more notice when you have "professional" help.  (most are volunteers but well trained.)

Hoenir

benny213 said:

since I never had any account with HSBC 

In your other post you say that you held an account with HFC Bank. HFC Bank was a subidiary of HSBC until 2013. At which point the bank was closed and all accounts transfered to HSBC. Hence your relationship now. 

PRAISETHESUN

https://www.hsbc.co.uk/help/feedback-and-complaints/

If it's been over 8 weeks since you logged your complaint with HSBC then you can escalate it to the FOS

benny213

Hi again,

               Just an update,  HSBC contacted me and said  that the reason for the high amount was because  they had added  two different accounts together,   So that solved  that  problem, 
But  believe it or not they later  again contacted  me  about one of the  two accounts and said as I have been paying it for so long they were going to write it off  Which of course was fantastic news ,  They  did  write to me to confirm  this was written off with nil balance owing,   But  It  gets even  better at this point ,   they later contacted  me again  about an  other account  with  them   and they  also said they would write this off also,  Again they wrote to me to confirm this was written off  with nil balance to pay,   sadly  not everything in life is as  simple as you hope,  But I will explain what is happening with Restons solicitors  if I do not get any joy with  my complaint with them, many thanks for all the help and advice given so far , Being as old as I am I can only apologise  for being extremely forgettful these days  so it takes me a while before  I remember to come back and thank people  sorry!

sourcrates

When banks hold several debts in your name, and they default, they do occasionally tend to consolidate these together into one account, now they do this to make things easier for them, but it also benefits you.

As this debt did not exist previously, because it was created by consolidation, you never signed any credit agreement for this account, so it is effectively unenforceable in court due to having no legal paperwork.

This is likely why they capitulated so easily.