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gordonsanderson

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  1. Hi All, just to give you an update, ive just been on the phone with the ICO and it appears that HFC have asked for an extension (bloody marvelous), they are unable to comply with the DPA and are struggling with my request, so that'll do nicely, and ive also had a letter from a departmental manager with regards to the CCA same account, stating that they are unable to provide a copy of my executed agreement and have sent a blank agreement with T's & C's but no default notice nor signed statement of account, so they are right up **** creek. The ICO state that they are expecting a reply within the next 2 weeks regarding the DPA request so ill be waiting, with regards to the CCA ill write back asking them for the missing docs again when i get back off me jollies. So they cannot send me an SAR nor can they send a fully executed CCA which means the FOS will love this as much as i am loving it. Ill send away for the docs as i said when i come back and with regards to the other 2 agreements i am investigating, they'll have to wait until then too, so far, 3 agreements on go 1 of them they cannot respond to and the others are in wait, so from foot soldier to captain, and i feel they are fighting a loosing battle..as i said in my previous threads "THIS IS SPARTA" and i aint roling over to these bar stewards, it'll be very very interesting in what they say, and as time goes by so my compensation increases, can't wait. So im off on me jollies in the morn safe in the knowlegde their fcuked. Regards Gordon
  2. Just to make it clear as it may of sounded abit muffled, i have 3 Claims for PPI, 1 that is nearly there and the other 2 pending, once i have recieved all the docs i reqiure ill be off to the ombudsman to see what they say and get what they owe me or ill stuffem in court. Regards Gordon
  3. Hi All, A further update, i sent away for SAR to the 3 other agreements i have had with these people and 1 came back with an agreement and the others (that i had PPI with) did not come back with any agreement. So, i will send a request for the other 2 agreements to recieve both fully executed CCA`S sometime this week, i feel this will fall on deaf ears, all being well ha ha!!, so i shall see what crap they send me, if they fail to send me all relative docs then i will send another letter to HFC`s SAR team as their reply was that they did not send them because when the accounts were closed i was given the closed accounts (total freeknin bollocks), so they are trying to hide even more than was first thought, interesting as they already owe me a small fortune. With regards to the ICO response for my first claim they have 28 days from the 3rd of july which makes their time up, and if HFC dont respond ill be on the phone to the ICO, shortly after ill persue the FOS, so in total i have 3 PPI claims on going and 1 success from the ICO and im gathering enough ammo to execute HFC if i do go to court. So i guess that the next thing ill here from HFC will be concerning my CCA`s for the other 2 accounts, the pressure is on them to produce the goods and since nov 2007 they have failed to do so, so time will tell coz i aint...in...no...rush. I`ll keep you informed as it happens. Regards Gordon
  4. i'll keep you upto date matey, thanks for the advice. Kind Regards Gordon
  5. As i now have had a response from the ICO im sending all documents on fri, they have approx 8 days to comply with what the ICO have said on the details of that account, they also have approx 15 at most to comply with my second SAR for three other accounts ive had with them since 2002, and if they dont comply with that SAR then its back to the ICO once more and to go through the process of going to the FOS again which i love doing with the ICO recommendations in hand (adds abit of clout) should be even more if they take no notice of the ICO but well see. Regards Gordon just looked up, they've got 28 days to comply with the ICO.
  6. Hi CB, That's it matey, i got the ppi in the august on the same day from hamilton when took out the loan, but the ppi charged from hfc themselves i did not know about as when i was to apply my signature the hamilton insurance sheet was placed over the actual loan sheet, so i could see that i had been charged twice, the loan i asked for was for a total of £300 a month including ppi and as it happens the loan was £301.12 including AC,CI Cover,AND ASU from hamilton which was agreed and the other sneakely placed as a total consisting of a single premium for ASU from hfc , when i realised i was fuming, so now it kicking off with weightmans so ive dug myself in and im waiting lol.. Regards Gordon
  7. Hi Hopeful1, Sorry i havent replied earlier than now, ive been up to my ears in it, well firstly, i had my response from the ICO and the result was what i was expecting, they stated that they didnt not full the criteria of section 6 of the data protection act and they have given them 28 days to fully comply, weightmans should know this as i informed them of what the ICO had said, im waiting to here from the FOS with regards to my CCA and offered weightmans weekly token payments of £1 until ive had a response from the FOS, i havent heard anything nor have i had reply so there either working out a response or they are seeking legal action to reclaim the amount they state i owe ( which is a total that is incorrect), so with the ICO`s positive response and i expect the same from the FOS then if they do decide to take me to court i can apply fo a stay in proceedings on the points that the ICO have made and that im waiting to here from the FOS, given that i have offered token payments until i am in reciept of such a response then the court should not persue until i have all the info, as you will know the acount has been in despute for an age now so the clock is ticking for wieghtmans to give me a reply, in either case court or no court im slowly turning the screws and putting on the pressure on those bar stewards. Ill keep you all upto date when i am in reciept of a response.. Regards Gordon
  8. Hi All, Just an update, ive been communicating with weightmans on my agreement with HFC, i have sent weightmans a letter stating what i expect of HFC, ie before any resolution is achieved and before any further payment is made, i expect HFC to refund my PPI plus interest, pay my costs, draw up a new loan with correct documentation, and remove the default off my credit file. Weightmans replied and said they have passed on my expectations to HFC and are waiting for their response, im expecting HFC to slam the door but i have informed them that taking me to court will dammage what is an all ready dammaged reputation in respect of their actions, and will cost them an absolute fortune in costs and compensation etc etc..so all im doing now is waiting for them to get back..ive also asked weightmans for a statement of account and that they send me all relative documentation with regards to my agreement as the T`S & C`S they sent are unreadable and that they have not sent me any notice of penalty which was apparently set on me in 0ct 2005, so as i said im just waiting before my next choice of route. Hope you are all well Gordon
  9. Hi All, I would like to know if it is possible to cash in on a pension scheme that i have been paying for 19 years, or am i able to sell it on? Any pointers in the right direction would be well recieved. Regards Gordon
  10. Hi mazel01, Dont worry sbout the amount, i have had 4 different values of my loan, all of which are wrong, when you get yoy SAR back it should state on that info, you could also send away for you credit report as this will show you what balance the loan has left. I,ve just started on weightmans and they want new info on me and said that i owed £37,000 which calculates to 3.5 x the original loan amount with PPI at nearly £5000, make sure your SAR is exactly what it is supposed to be as what they sent me was basically a list of telephone cal logs, they are basically refusing to supply me with SAR so after the ICO i'm goig to court....i cant stress enough....IF YOU CAN GET THE CORRECT INFO then you can apply your defence....If you cannot get the requested information they are legally abliged to give you then you can file an order through the courts and claim comp for non-compliance of SAR regarding PPI. Chin up bud, and keep your wits about you coz they are b*****ds. Regards Gordon
  11. Hi All, I just need to make sure that this will not count as a fully executed CCA, as the T's &C's are unreadable and they have not sent me any other document referred to in it ie: a default notice served in 2005 which i had no idea i had. Regards Gordon http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1b.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/CCA1a.jpg
  12. Yeah Citizen B, Now i know i'm gonna get anywhere now, i've got to resend my compliant into the FOS, and while i'm at it ill send it to the ICO, i've got the forms for both so see what happens, but more than likely to go to court, if it does they are gonna pay through the nose as they cant argue with the facts and the outcome of those facts, so while i'll do those things i'll also colate a seperate file for court. Regards Gordon
  13. Hi All, Guess what?......i've just recieved a letter through the post from wieghtmans and it states "I OWE HFC £37403.74" and asking me to give new details of my person if my details have changed since i entered the agreement.......are they mad ???? well i already know they are stupid so mad is not far off par....so they can getstuffed aswell...i'll send them a nice little letter next week telling them what i think and that if they want to take me to court then they can bring it on, i've been trying to get my SAR and just keep getting fobed off, i've been through all the correct procedures, and still they persist in aquiring new information of me especialy my signature which i've told them no way as they already have that source in a copy of my passport (which they say they do not have), iff they have lost the copy i sent them then i'm sure they have breached security standards with regards to holding and aquiring personal infromation? HFC are just full of ***t, they have failed to supply me a fully executed CCA including any document referred to in it (ie, my default notice from oct 2005), they have failed to SAR as they previously have sent a partial rubbish attempt at one from this account but as they know i have had 4/5 acounts with them which they wont give me,so iff they had my passport details then, then why have they not got them now, they are refusing to fulfil their obligations with both my requests and now weightmans, well boo hoo!!!! who gives a toss, i'm not backing down to a bank that treats its customers with absolute comtempt. Regards Gordon
  14. HSBC FIDDLED, With regards to your question, I AM ON THE WAY, and i aint and wont stop until those bar stewards return every penny of my hard earned cash with sweat and determination.......FCUK em. Kindest regards Gordon. PS, Stand your Ground!!!!!!!
  15. Hi All, Just an update to mention, http://i272.photobucket.com/albums/jj161/nodrog1972/dlrs.jpg http://i272.photobucket.com/albums/jj161/nodrog1972/dlrs1.jpg. They above are the latest communications from the blasted people, the first i recieved on thursday last week the second i recieved today, as you can see by the dates they do not correspond with when i truley was supposed to recieve them. Ive already sent my reply (recorded of course) and it states basically "get stuffed", i'm going for full refund of PPI which is just under £5000 with interest on just one account, as i have had 4/5 different agreements this is only the start. They have got 6 weeks to come up with a solution ie full refund + interest, as they have not, this offer has been used to wipe myself clean after a nice curry, so as i have said they have 6 weeks to go then i go back to the ombudsman, and try and get what i want, if i dont get what i want, i've got a form to fill in from the Information Commissioners Office as they replied to my compliant, so plan is, let time pass, ombudsman, ico, then court, i'll go to court with plenty of issues 2 of which "legaly" they have failed in the obligations regarding CCA and SAR,the other as results of maladministration, inappropiate advice, and lying to the ombudsman (which i think they'd love to here about) so stuffem, i'll fight these muck monkeys as if i lived in sparta, so bring it on HFC, bring it on. Regards Gordon
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