Small but a win's a win

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Small but a win's a win

Postby traderfluff » Fri Jan 29, 2010 2:09 pm

I decided no longer sit on the sidelines and have been putting into practice some test cases.

I bought a laptop a couple of years back stupidly on the loan agreement (don't ask, "sales patter") in HFC, it was outstanding balance was only £96 but I decided cancel DD and to test case this with John Whitterick templates......1,2,3 tactic!

Anyway HFC on canceled DD sent me a letter for arrears and extra £15 charge for missed DD making the balance to £111 OK not bothered lets see where we go as this is a test case and accept some crap back..... out goes letter one! - by the way HFC is a curious bank that uncontactable unless by phone!! but low and behold they are of HSBC holdings and for anyone with HFC credit address to:

Paul Thurston Chief Executive
HSBC Holdings plc,
8 Canada Square,
London, E14 5HQ.

Now reply to letter 1, advise that the consumer credit act 1974 blah, blah give us £1 for a copy of utter crap! I had posted on the TPUC board regarding this as per dictionary expose;

Good advise would be to have a dictionary, a clear head to unlock their puzzle....

I've read alot of posts regarding banks asking for a statutory £1 fee by written request for them to proved a copy of an executed agreement..

Use both the standard and law dictionaries to break into their key points; a good online one is

Statutory; subject to a punishment or penalty prescribed by statute
Request; the act of asking or demanding
Executed; To make valid, as by signing
Agreement; An agreement is not always synonymous with a contract because it might lack an essential element of a contract, such as consideration.

very interesting.... AGREEMENT: takes two forms........ the big clue to the banks is in the debt notes them self... FIAT MONEY (Latin meaning, let it be done) which is the government's Legal tender or forced tender is an offered payment that, by law, cannot be refused in settlement of a debt, and have the debt remain in force... (exactly it cant be refused as it has to return to once it came). So in fact they are relying in your GOOD FAITH to comply to a naked agreement (NUDOM PACTUM).

By sending £1 you are making valid an act and demanding a punishment prescribed by a statute for questioning an agreement in good faith(unnhakable trust / strong or unshakeable belief in something, esp without proof or evidence).

out goes letter 2.......... not a bean so further 10 days by to tactic setup letter 3!!!

Today I get a letter from HFC attached a copy of my LEGAL agreement and confirmation of account closed on the date of my second letter.

Now to conclude if the account is closed so is the £111 owed and the copy of the agreement is to settle their part in the controversy as legally fulfilled. I'll let you know if any more happens but my guess is that it!!! but like I say it was a small fee and probably didn't want to pursue? but if I hear no more then this knowledge is REAL.
Emotions come and go but what you stand for lasts forever...
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Re: Small but a win's a win

Postby rodgreenwell » Fri Jan 29, 2010 6:20 pm

Hi Traderfluff
Nice result!! £96.00 probably was not worth them chasing but still a great result.
HFC by the way live in winkworth near Windsor, slough... MD is a guy called Roger Lovering .... for anyone taking on HFC in the future...
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Re: Small but a win's a win

Postby the_common_law_reverend_kenny » Fri Jan 29, 2010 10:04 pm

pretty good approach still...start on the easy stuff and work y/our way up :sun:
SOVEREIGN: not controlled by outside forces: autonomous; self-governing; independent "a sovereign people" <> "by any peaceful administritive means necessary" - the way of the order.
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