alanalana v HSBC (It started well)(And ended well) **won**

**alanalana** · 23rd May 2009 14:54

Hello folks this is my second PPI icon

fight.

SAR icon

posted Friday and received in the local branch on Saturday. I know it arrived as I popped into my local branch to confirm my identity (I am fighting this one on behalf of a family member), and I noticed the letter with the postal order on the desk.

Anyway down I pop to the bank with my passport as the letter I received asked me to produce passport or driving licence. Then I am asked to provide proof of my address so I contest that this was not requested in their letter. Queue building up behind me and they are now wanting attention.

They take passport and a copy of the letter authorising me to act as a personal representative. A copy of this was already on the desk pinned to the SAR icon

.

Now I pitch up with a letter addressed to me from HSBC icon

to my address I produce this letter in the bank and they want proof of my address. Well actually my address is where the postman posted this letter from your Coventry office to me and could you want more proof that I live there.

They then also keep a copy of the letter authorising me to act as a representative because it has an original signature icon

and I point out that the intial letter to which they have responded also had an original signature so why do they require 2 original signatures.

Anyway a jolly good start red faces in bank + a nice queue.

I went back with driving licence and a council tax bill for good measure.
39 days and counting. Not a lot of PPI to reclaim here probably about £400 total. But I will be able to update a bank charges claim from the info I get from the SAR. Using the UTCCR argument of course.

aa

**thegfb** · 23rd May 2009 17:51

Well aa, from the help you've given me and many others so far, your family member has a good ally in their fight!

Best of luck

**citizenB** · 23rd May 2009 21:26

I swear HSBC icon

are in league with Jacqui Smith with this obsession to ID . If it made the slightest difference in protecting information etc then I would be happy to go along with it.

However, one CAGer has just jumped through these very same hoops with Nationwide icon

and even so, they have provided her with a stack of BACS forms all made out in other peoples names.. but none for her

I will be following your progress with interest icon

. You never know, your reputation might have preceeded you and they will give in with out the usual battle

**alanalana** · 23rd May 2009 21:41

Originally Posted by citizenB

I swear HSBC icon

are in league with Jacqui Smith with this obsession to ID . If it made the slightest difference in protecting information etc then I would be happy to go along with it.

However, one CAGer has just jumped through these very same hoops with Nationwide icon

and even so, they have provided her with a stack of BACS forms all made out in other peoples names.. but none for her

I will be following your progress with interest icon

. You never know, your reputation might have preceeded you and they will give in with out the usual battle

You never know, but I now enjoy taking them on. It took me a long time with my RBS icon

claim but I was new to it all then. Research is the answer, in the end I had money back, ICO slapping RBS wrists, FSA asking for permission to use my complaints as they saw fit and even the BBA passing my complaint back to the RBS I must have complained to just about everybody I could

I even got a response from the OFT.

So ready for action am I.

aa

**pompeyfaith** · 23rd May 2009 21:58

Glad to see that you are keeping the banks at it Alan i will follow this with great interest icon

.

Best of luck with your latest adventure.

Regards

PF

**alanalana** · 24th May 2009 04:02

Thank you PF.

We will see what happens. I have the due date marked in a diary 40 days due early July. No leeway, no extra days no additional letter 40 days then action.

aa

**banker_rhymes_with** · 24th May 2009 13:12

Hello aa!

Taking a seat to watch this, and to help if I spot an opportunity where I can do so. Otherwise, I'll just clap and cheer at the right moments.

I swear HSBC icon

are in league with Jacqui Smith with this obsession to ID

Wasn't Ms Smith a Communist once? That may explain her obsession with certain issues.

Cheers,
BRW

**alanalana** · 24th May 2009 15:14

Thanks BRW,

Taking a seat to watch this, and to help if I spot an opportunity where I can do so. Otherwise, I'll just clap and cheer at the right moments.

I know you will flag up anything glaring.

Your help as ever would be welcome.

aa

**citizenB** · 24th May 2009 18:58

Originally Posted by alanalana

Thank you PF.

We will see what happens. I have the due date marked in a diary 40 days due early July. No leeway, no extra days no additional letter 40 days then action.

aa

No prisoners either..

**alanalana** · 10th June 2009 18:53

Originally Posted by citizenB

No prisoners either..

Too true CB and guess what another 4 fights about to be posted up on behalf of family again. I could be rather busy in the coming weeks.

aa

**citizenB** · 10th June 2009 20:18

Originally Posted by alanalana

Too true CB and guess what another 4 fights about to be posted up on behalf of family again. I could be rather busy in the coming weeks.

aa

Ooh, post the links please alan

**alanalana** · 11th June 2009 07:33

There you go CB,

alanalana v Capital One

alanalana v ltsb

alanalana v Barclays

alanalana v Liverpool Victoria

That's me with five on the go

aa

**citizenB** · 11th June 2009 08:11

Crikey, Alan... you are going to be well busy

Have subscribed to each thread.

**alanalana** · 19th July 2009 01:21

It started well but has gone anything but well since the HSBC icon

are really making life difficult. Putting up every obstacle you can imagine from non receipts of letters to requirement for signatures to allow third parties to act on the account.

this is my response to their latest kick in the ass letter.

Thank you for your letter dated 17 July 2009.

Firstly I do not accept your apologies for not confirming receipt of the Data Subject access request icon

as this request was sent by Royal Mail First Class Recorded Delivery and I have the proof that the Subject access request icon

together with the statutory fee in the form of a Postal Order, number xxxxxxxxxx, was delivered to the Brampton branch of the HSBC on 22 May 2009.

I attended the branch as requested in HSBC letter reference: FREEPROD/LETOUT received from HSBC Bank plc, Harry Weston Road, Binley, Coventry, CV3 2TQ to provide proof of my identity and an original letter authorising me to act as a third party signatory to my sons’ account. I actually saw my SAR together with the statutory fee in the form of a Postal Order to the value of £10.00 on the desk of the local branch. I produced a valid driving licence and passport and a photocopy was made in the Brampton branch of HSBC. The branch also insisted on keeping the original copy of the letter my son had signed even though a photocopy had already been provided with the Subject Access Request and the original authorisation had been sent by my son on 30 April 2009.

In your letter of 17 July 2009 you state that you require the signature icon

of the account holder on the request. I would point out that this information has already been provided to the Brampton Branch with the original letter and a further original has been produced upon my attendance at the branch to verify my identity.

You also state in you letter that you are unable to provide details of any insurance relating to loan accounts as this data is owned by a separate legal entity to HSBC Bank plc. You also state that I will need to write to the correct data controller at the address below enclosing the £10.00 administration fee ( Presumably the Statutory fee which is due under a request for data in line with the Data Protection Act 1998 a legal statute within Law.

I will therefore inform you that the statutory fee of £10.00 was submitted to the Brampton branch of the HSBC with the original Subject Access Request dated 20 May 2009.

I therefore believe the obligation to pay the statutory fee for the Subject Access Request under the regulations as prescribed within the Data Protection Act 1998 has been satisfied.

I am extremely disappointed that despite having issued my original Subject Access Request on the 20 May 2009 you still seem to be using delaying tactics in providing the information I am entitled to by Law, within the terms of the Data Protection Act 1998. Under Section 7 sub section (1) ( c ) ( i ) and (ii) you are required to communicate to me in an intelligible form within 40 days, the information as requested within the requirements of the Act section 7 (2) (a) and (b), which as the data subject I have met.

I would point out that the Act allows you 40 days in which to provide the information I have requested. You have failed to meet this timescale by 17 days to the date of your letter, dated 17 July 2009. I have provided all the required information as requested by your establishment. The local branch in Brampton have been provided with a driving licence, passport and an original copy of the authorisation letter allowing me to act as a third party on the account this seems largely to have been ignored up until your letter dated 17 July 2009 received by me 18 July 2009.

As I have followed all the relevant procedures as required under the Data Protection Act 1998 and have also followed the requests by your organisation. I now believe you8 have failed to comply with the requirements of the Data Protection Act 1998. I therefore decline your request for further payment of £10.00 as this statutory fee has already been submitted.

I strongly suggest you contact the Brampton branch to ascertain what happened to the £10.00 Postal order that was submitted. I do have a signature for the recorded delivery.

I would comment that your request a £10.00 administration fee to be sent to the data controller and yet the address given in your letter is the Payment Protection Insurance office and not the Data Controller Protection Compliance address in Sheffield.

You have obviously failed to meet the requirements of the Data Protection Act 1998 as is mentioned above and I must now inform you that it is my intention to forward all correspondence so far with a letter to the Information Commissioners Office citing a very serious formal complaint on your failure to follow the requirements of the Data Protection Act 1998 and also in the tactics you employ in delaying consumers in asserting their right to obtain information under the Act which is a legal statute within the Law of the United Kingdom.

Yours sincerely

alanalana

and so let battle commence it could have been so much easier if HSBC had been prepared to respond.

aa

**Dipply75** · 19th July 2009 02:00

subbing

and wishing you good luck, not that you need it lol

Am taking on Cydesdale for a mate and they have just started playing silly beggars with the DPA request...nasty letter sent, race you!

**citizenB** · 19th July 2009 14:11

Hmm, they are really taking the mickey arent they ?

Have you checked to see if the Postal order has been cashed. You can do that by telephoning.. 01246 542091. It is a direct line and they will also confirm in writing if you ask them.

I guess it doesnt matter one way or another, you have proof they have received the request.. if they didnt cash the PO then that is down to them.. you sent it, they received it.

HSBC icon

, sent me round the houses saying they were not responsible for the data for the PPI icon

, gave me an address for Norwich Union. They were very helpful however, they wrote back saying that they were not the administrators for the insurance for policies on loans under £25,000.

HSBC gave me another address which didnt exist. It was at that point I gave in and contacted the fos icon

.. am still waiting a year later

IMHO, it was HSBC who sold the policy therefore they should be the ones responsible for providing / accessing the data.

**alanalana** · 19th July 2009 20:45

Thanks CB I was not aware of the telephone number so I will use that tomorrow to check on the PO issue.

You are right on the addresses issues. SAR icon

sent to local branch no acknowledgement then a letter from another HSBC icon

address saying you must produce evidence of identity to local branch then another HSBC address saying the information has not been received send another tenner to yet a fourth address.

How convenient to use multiple addresses to try and confuse claimants. I will be incidentally be asking for a meeting with the manager of the local branch to ask him for some explanation on the failure of his branch to keep me informed as to what was going on and to what happened to my postal order.
I will be as polite as ever but I had better get some really good answers. I may even drop in the CAG icon

issue to let the manager know there will be more adverse comments on his banking procedures.

HSBC I am sure will be on a loser as this is a claim for a serviceman who if taken ill would still recieve full pay until such time as a medical discharge was used. Two loans both with PPI icon

so I am up for the fight.

aa

**citizenB** · 19th July 2009 20:54

Good for you aa.. If HSBC icon

are patrolling.. lets hope they get the message

**alanalana** · 19th July 2009 20:57

Good for you aa.. If HSBC icon

are patrolling.. lets hope they get the message :grin:

Yes indeed;-)

**maroondevo52** · 19th July 2009 20:59

aa, do you want a hand with this

Thread: alanalana v HSBC (It started well)(And ended well) won

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