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    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
    • Thanks for the reply dubai 50 - if the statute is 10 years it has long passed - if it is 15 years i havea few months left. i shall ignore until it gets serious  An update - - I sent the letter to the bank in Dubai ( I did get delivery confirmation from Royal Mail)   - I have moved to a new address ( this is the address i gave to the bank in dubai)  - IDR are continuing to send Letters to the old address, which leads me to believe they are not in contact with the bank at all. - i have not replied to any correspondence digital or hard as they are non threatening ( as of yet).        
    • Your topic title was altered last June 23 by the owner of this forum in the interests of the forum Anyway well done on your result and concluding your topic, title updated.   Andy   .
    • So what    Why ? Consent Order/ Confidentiality ? This would be be invaluable to followers of your topic.  
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HSBC Going to Court to obtain my data!??


craigten
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corrected

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I have no idea – and does it matter?

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An update that probably isn't that important but I thought it necessary:

The SAR package did arrive, albeit past the time limit, but I not in their letter it makes no mention of the six year 'limit':

 

Rightio, letter printed and ready to go.

They have used the six year excuse on six separate letters.

 

Three final questions:

1. Do I use the 8 Canada Square address?

2. Do I address it to any sub-section particular, ie, the SAR department?

3. Has anyone got details of the data controller so I can send them a copy too?

 

Among the papers of data, statements, etc were these screenshots of forum posts on the MSE website

(not my posts or threads, either, I don't think (the username is blanked out)?), is this a little odd??

 

 

SAR Return.pdf

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Well its not been copied from MSE forum...more likely the Dogs Forum...which as with our forum...

 

a)All information contained in this website, associated websites, and forum posts are copyright Reclaim The Right Ltd. If you wish to use the information on this site for publication elsewhere, then please email the administrators for permission.

 

b) When you post on this forum you retain copyright in what you write. However, by posting on our forum you grant us an irrevocable non-exclusive licence to publish what you have written. Non-exclusive means that you are fully at liberty to repeat or copy your posts elsewhere on the Internet. However by posting on our forum, you grant us permission to keep the material published on the forum. We may of course remove what you have written or exceptionally edit what you have written to make your post comply with any changes in forum policies as they develop from time to time. You agree to these conditions by registering with us and by posting on the forum. For these purposes, "the forum" means the website in general and includes The Consumer Forums and associated Internet addresses. This could mean that your post or extracts from it may appear in more than one place on the Site. You do not grant us any permission to publish what you write anywhere else on the Internet. That right remains solely with you.

 

Would appear to be a DATA breach

 

Andy

 

Thread title amended

We could do with some help from you.

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:doh:So it does...still same applies

We could do with some help from you.

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Depends what you wish to achieve...you said they are not your posts ?

We could do with some help from you.

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You can make a complaint to HSBC and ICO

 

Personal data of the individual

 

An individual is only entitled to their own personal data, and not to information relating to other people (unless the information is also about them or they are acting on behalf of someone). Therefore, it is important that you establish whether the information requested falls within the definition of personal data.

 

https://ico.org.uk/for-organisations/guide-to-data-protection/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/right-of-access/

 

https://www.financial-ombudsman.org.uk/publications/ombudsman-news/45/45_bankers_duty.htm

 

Im not sure what it will achieve..its not your data..but they are breaching someone else

We could do with some help from you.

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No harm in checking the FCA register

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Update:

February 16th I sent HSBC this to the Canada Square address via recorded delivery:

You claim that you no longer have the data I require because you are required by the data protection act to destroy it after six years.
You should understand that I'm fully aware that the data protection act contains no such provision – but if you insist that it does then please let me know the particular section of the Data Protection Act which contains the obligation.

Accordingly I reject your position that you do not have the data and I believe that you are withholding the data from me because you feel that it would be disadvantageous to you to provide it to me. It maybe that the data is within some archive service and of which you are fully aware.

If it is your position that the data has been destroyed then please will you provide a certificate of destruction from your data controller.

I should warn you that I am sending your letter of the 4 February 2019, along with your other letters stating the same ‘six year’ statement of 18 February 2013, 8 July 2013, 4 April 2012, 15 September 2010, containing your misleading information about the Data Protection Act to the information Commissioner as part of the complaint.
If you do not provide me with a certificate of destruction signed by your data controller then I will add that to the information Commissioner's complaint as well.

I would also remind you that you have a duty to treat your customers fairly and in particular to communicate with them fairly. This is a statutory duty created by the Financial Conduct Authority.

By attempting to mislead me as to your Data Protection obligations, you are already in breach of your statutory duty. It would now be helpful if you would begin to treat your responsibilities according to law in order to avoid further complaints.

I have sent a copy of this to the data controller

 

I sent it again on February 23rd and again on Monday (11th March). It is coming up to a month since my first letter and it would seem that they are stalling.

 

Thoughts, please, anyone?

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People have taken them to court for compensation for the time/effort lost in trying to get the data they want and then add on a requirement that the bank completed the request and provides the information. It's easier than going for a straight injunction to get the information I gather.

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I think they have put processes in place to make us give up chasing.

We will persist and hopefully win.

But along the way many will be too lazy or easily persuaded to give up.

But as for the call handlers and customer services, no I  don't think they know what's going on.

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Have you called them?

 

the key lesson is to stick to your timeline not theirs.

They don't care about your timelines and their processes will ignore them.

 

You've sent them the same letter I sent Barclaycard.

Time to sue.

That gets their attention and get them off the 'customer services' process.

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