HSBC Bank threat to blacklist me and issue non-baliable warrant

Ravveendrra · 11th February 2009, 13:12

Quote:

Originally Posted by Bass&Trouble

They said they cannot send the documents. The ongoing rant is about how I confirmed over a phone call that I will indeed be a reference for my ex-colleague, and how that is evidence of my implication and liability.

The option for me to see the documents is by going over to some branch in the same area I believe. They apparently have no problems showing me the papers. They have said I am most welcome. The problem is with me going all the way across town and wasting my time over such a matter.

Since a person from HSBC has already assured that this can and will be put to an end, I'd rather not resort to all this. The solution he may have would certainly be the most peaceful one.

Considering the resolution in the offing thanks to a friend in HSBC, this may not apply to Bass, but, for your information:

1. You have in your phone conversation only said that you know this guy who took the loan i.e. you have confirmed his existence, you have not given him a charecter certificate or undertaken to repay on his behalf. Ask them to go tie themselves up in knots. (Tell them that your Uncles are policemen and lawyers)

2. They are bound to send you copies of the alleged papers - one can demand to have them sent over. If they do not send copies over - it means that they have nothing that can stick - call their bluff!

3. If you can post her number, mebbe Steeroid and I can ask her out on dates! (She who lives in a glass house should not throw stones.)

Quote:

Originally Posted by PAVAN KADAM

, Any references for any loan unless a Blood Related Guarantor, is not liable to repay any Secured or Unsecured Loan on behalf of someone else's default.

Hmm, that is a new proposition, fortunately unknown to law. No way! Even if that guy who borrowed was my own son or father, I am not bound to repay his debts of any nature, whether secured, unsecured or whatever. I become liable only if I have signed a document (properly stamped) undertaking to pay the debt in case of a default by him.

Cheers,

kb100 · 11th February 2009, 13:35

Two things

Firstly - IGNORE these ppl... They have NOTHING on you!

Secondly - whatever you do PLEASE do not be indecent with the lady. The laws are rather skewed and even a frivolous complaint by a woman against any man means a mandatory arrest and 15 day judicial remand (jail) - you can move for bail ONLY after the 15 day remand has expired.

My recommendation is to file a case with the jurisdictional police station alleging coercion, intimidation etc. Send a copy of the complaint to the banking ombudsman too. Believe me you will NEVER hear from them again - not to mention you can start planning your next upgrade

!

V-16 · 11th February 2009, 14:53

Like everyone has said earlier Ajay, Chill. A bank tried to get rude with me a while ago on some other issue and i just plainly told the lady from the legal dept. that i was recording her call (in which she had mentioned her name designation etc.) and that i would not hesitate to hand it oevr to the police if i ever get a call in that issue from her or her office. Its been 3 years now,i have not received any call form them. Anyways you have members from the banking world who have given you their expert advice.

but i have a serious issue re a credit card (major screw up by bank- trying to put the onus on me) by a Hsbc. Anyone from HSBC here who can guide me, please Pm me

navin · 11th February 2009, 15:20

Quote:

Originally Posted by Bass&Trouble

I am not a guarantor.

hen chill. as a reference you have NO financial liabilities.

Quote:

Originally Posted by Samurai

Even in case of cheque bouncing banks do nothing.

but you can file a case under section 420.

Quote:

Originally Posted by kb100

My recommendation is to file a case with the jurisdictional police station alleging coercion, intimidation etc. Send a copy of the complaint to the banking ombudsman too.

This is what I would do.

Ym-enjn · 11th February 2009, 15:28

I am a bit late on this thread but after reading whole thread I feel proud of being a T-Bhpian.

You have done the best thing by finding a contact inside HSBC who will look into the matter. As for this calling woman, I think threatening her might not be the best thing, they do these kinds of calls throughout the day and will be ready with an answer to each threat you give. Instead let her know that you are a well informed person and you know all the things which can be done against her act. Make her believe that you know that they can't do anything to you. (A banker will never threaten you for a legal notice; they will send you one immediately if they can) and tell her that the only way they can get your co-operation is if they request.

If she wants your co-operation in this matter then first she must stop talking like a broken record. And if she requests you for co-operation then ask her to send maximum details in written and also (if you want) ask her to give current contact number of your friend as you don’t have that. Tell her that you can talk with him, but can't do anything more than that.

Do not call her, only talk when she calls or else forget them.

If she still tries to threaten you, simply upload the recorded conversation on Youtube and give her the link and tell her that you are serious on taking further action.

GTO · 11th February 2009, 15:36

They haven't been able to get money out of your friend, and are only trying to get you into pressurising him to pay up. Known tactic. Relax.

yatinchoubal · 11th February 2009, 16:58

Quote:

Originally Posted by Steeroid

She cant do a thing, just relax and ask her out on a date - tell her you like strong women who use foul language.

Man, now you know, how to charm the ladies.

zenx · 11th February 2009, 17:48

just saw this thread. Good its resolved, but a scary, harrowing and totally needless experience.

Bass&Trouble · 11th February 2009, 17:49

They're still calling. Just hung up right now. I've heard the same old rant so many times now, I know it by heart.

Quote:

Originally Posted by Steeroid

She cant do a thing, just relax and ask her out on a date - tell her you like strong women who use foul language.

Quote:

Originally Posted by PAVAN KADAM

B&T Please for gods sake dont do the mistake of going over to the Branch.

Although I have absolutely no intention of going, or inclination towards the same, just curious - why "mistake"?

DCEite · 11th February 2009, 18:19

Can it be a prank your GF/ex-GF playing with you ? Valentines day around the corner so maybe, some permutation combination. Just maybe ??

iraghava · 12th February 2009, 03:32

Quote:

Originally Posted by DCEite

Can it be a prank your GF/ex-GF playing with you ? Valentines day around the corner so maybe, some permutation combination. Just maybe ??

I almost died laughing on reading this!!

speedzak · 12th February 2009, 03:47

Oi maa!
What on earth is happening here? And out of all the four wheeled creations in the universe, why B&T? ? ?
Watch whom you lift with your Sierra next time.

ECM · 12th February 2009, 08:07

B&T
When you get next call tell that lady that the number she is dialing is in do not call registry,several attempts of her will force her to pay huge penalty.
OR
Buy a cellphone with a call filter facility and put that number in blacklist OR choose an option to receive calls from contacts only which generally I do in my cellphone.
Meanwhile contact a good lawyer and explain this situation to him.

humyum · 12th February 2009, 09:46

Quote:

Originally Posted by DCEite

Can it be a prank your GF/ex-GF playing with you ? Valentines day around the corner so maybe, some permutation combination. Just maybe ??

Rofl, fell of the chair laughing, in this case, he definately 'signed' up for this

planet_rocker · 12th February 2009, 13:51

two Kolkata members are working with the concerned bank in Kolkata. you can get some information through them (if possible) - check your PM.

wish you all the best.

11th February 2009, 13:35	#62
kb100 Senior - BHPian Join Date: Feb 2006 Location: Bangy Boy! Posts: 1,556 Thanked: 23 Times	Two things Firstly - IGNORE these ppl... They have NOTHING on you! Secondly - whatever you do PLEASE do not be indecent with the lady. The laws are rather skewed and even a frivolous complaint by a woman against any man means a mandatory arrest and 15 day judicial remand (jail) - you can move for bail ONLY after the 15 day remand has expired. My recommendation is to file a case with the jurisdictional police station alleging coercion, intimidation etc. Send a copy of the complaint to the banking ombudsman too. Believe me you will NEVER hear from them again - not to mention you can start planning your next upgrade!
	() Thanks

11th February 2009, 14:53	#63
V-16 Senior - BHPian Join Date: May 2005 Location: mumbai Posts: 4,589 Thanked: 960 Times View My Garage	Like everyone has said earlier Ajay, Chill. A bank tried to get rude with me a while ago on some other issue and i just plainly told the lady from the legal dept. that i was recording her call (in which she had mentioned her name designation etc.) and that i would not hesitate to hand it oevr to the police if i ever get a call in that issue from her or her office. Its been 3 years now,i have not received any call form them. Anyways you have members from the banking world who have given you their expert advice. but i have a serious issue re a credit card (major screw up by bank- trying to put the onus on me) by a Hsbc. Anyone from HSBC here who can guide me, please Pm me
	() Thanks

11th February 2009, 15:28	#65
Ym-enjn Senior - BHPian Join Date: Jun 2008 Location: Jaipur Posts: 1,039 Thanked: 61 Times	I am a bit late on this thread but after reading whole thread I feel proud of being a T-Bhpian. You have done the best thing by finding a contact inside HSBC who will look into the matter. As for this calling woman, I think threatening her might not be the best thing, they do these kinds of calls throughout the day and will be ready with an answer to each threat you give. Instead let her know that you are a well informed person and you know all the things which can be done against her act. Make her believe that you know that they can't do anything to you. (A banker will never threaten you for a legal notice; they will send you one immediately if they can) and tell her that the only way they can get your co-operation is if they request. If she wants your co-operation in this matter then first she must stop talking like a broken record. And if she requests you for co-operation then ask her to send maximum details in written and also (if you want) ask her to give current contact number of your friend as you don’t have that. Tell her that you can talk with him, but can't do anything more than that. Do not call her, only talk when she calls or else forget them. If she still tries to threaten you, simply upload the recorded conversation on Youtube and give her the link and tell her that you are serious on taking further action.
	() Thanks

11th February 2009, 15:36	#66
GTO Team-BHP Support Join Date: Feb 2004 Location: Bombay Posts: 71,883 Thanked: 323,233 Times View My Garage	They haven't been able to get money out of your friend, and are only trying to get you into pressurising him to pay up. Known tactic. Relax.
	() Thanks

11th February 2009, 17:48	#68
zenx Senior - BHPian Join Date: Oct 2004 Location: Bangalore Posts: 1,164 Thanked: 162 Times View My Garage	just saw this thread. Good its resolved, but a scary, harrowing and totally needless experience.
	() Thanks

11th February 2009, 18:19	#70
DCEite Senior - BHPian Join Date: Sep 2004 Location: NCR Posts: 3,591 Thanked: 3,502 Times	Can it be a prank your GF/ex-GF playing with you ? Valentines day around the corner so maybe, some permutation combination. Just maybe ??
	() Thanks

12th February 2009, 03:47	#72
speedzak BANNED Join Date: Mar 2006 Location: India Posts: 4,346 Thanked: 29 Times	Oi maa! What on earth is happening here? And out of all the four wheeled creations in the universe, why B&T? ? ? Watch whom you lift with your Sierra next time.
	() Thanks

12th February 2009, 08:07	#73
ECM BHPian Join Date: May 2006 Location: Somewhere Posts: 226 Thanked: 16 Times	B&T When you get next call tell that lady that the number she is dialing is in do not call registry,several attempts of her will force her to pay huge penalty. OR Buy a cellphone with a call filter facility and put that number in blacklist OR choose an option to receive calls from contacts only which generally I do in my cellphone. Meanwhile contact a good lawyer and explain this situation to him.
	() Thanks

12th February 2009, 13:51	#75
planet_rocker Senior - BHPian Join Date: Sep 2006 Location: Bong-land Posts: 2,323 Thanked: 426 Times	two Kolkata members are working with the concerned bank in Kolkata. you can get some information through them (if possible) - check your PM. wish you all the best.
	() Thanks