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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HSBC UK DSAR Non-Compliance (GDPR)


Redmountie
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HSBC UK have not complied with my Data Subject Access Request (SAR), submitted under the new General Data Protection Regulation (GDPR).

 

The DSAR was requested on 16/06/2018 and should have been disclosed by 17/07/2018.

 

16/06/2018 - Request sent to HSBC UK for DSAR under new GDPR

 

18/06/2018 - Acknowledgement email received from HSBC UK Customer Care Team

 

22/06/2018 - Acknowledgement letter received from HSBC UK Data Protection Office

 

17/07/2018 - Data not received, so contacted HSBC UK who stated that they were not aware of this request and have not even started to gather data for the disclosure

 

17/07/2018 - Internal complaint made to HSBC UK Customer Complaints Team

 

18/07/2018 - Complaint made to Data Protection Office and Letter Before Action sent to HSBC UK.

Telephoned Data Protection Office and confirmed that they have received both email and LBA.

 

When asked for timescales in relation to compliance for my DSAR,

a team manager has advised they don't know and cannot give any timescales.

I have made them aware I will be reporting the non-compliance to the ICO, but they didn't seem at all bothered.

 

18/07/2018 - Information Compliant Handling Form submitted to ICO

 

18/07/2018 - Complaint acknowledgement received from ICO

 

Next steps:

 

Now waiting for the Data Protection Office to make contact with me to progress DSAR and also waiting for HSBC UK complaints team to pick up the complaint.

 

No doubt this will be towards the end of the 8 FCA timescales!

 

Also,

waiting to see if HSBC UK will comply within the 5 working days afforded to them in my LBA.

 

I very much doubt they will,

due to the large amount of data they will need to gather,

redact and securely send on to me.

 

Will potentially need to look at submission of a POC for a County Court claim if not.

 

Submitting a GDPR POC is unchartered territory for me,

so if it comes to that point,

could really do with some help.

 

Hints/Tips:

 

Some may already be aware of this, but I was not.

None of the calls received at the HSBC UK Data Protection Office are recorded.

 

So when I asked for copies of all recordings to their department, they advised me of the above.

 

Also, HSBC UK Data Protection Office don't advertise or easily give up there email address.

So if you do need to email that team,

you can do so here

[email protected].

 

It definitely works,

as I have emailed them my LBA and complaint letter and they have received it the next day.

Edited by dx100uk
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So HSBC have now sent me the full data disclosure as a result of the LBA. I have still made a complaint to the ICO, asking them to make a statutory assessment as to whether or not HSBC has complied with it’s legal obligations under the General Data Protection Regulation. I am also awaiting the results of their internal complaint process.

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  • 2 weeks later...
  • 2 weeks later...

So, I had full SAR disclosure from HSBC. Unusually, they responded to my complaint within 3 days, instead of the usual 8 weeks (as per FCA guidelines). HSBC were very keen to resolve the issue at first point of contact. They offered £250 in compensation, which I have now accepted.

 

I have still submitted a complaint to the ICO, more to make them aware of the non-compliance by HSBC.

 

Admin/Mods this thread can now be closed.

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  • 2 weeks later...

I have a non_compliance issue With HSBC UK too.. I am currently waiting for reply from the ICO. HSBC have not contacted me further to let me know if they are or are not going to comply to the SAR i filed nearly 3 months ago now..

 

Has anyone got more information about getting LBA and starting county court action.. I am in Australia right now, and need to organise to get the action taken in the UK...

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I have a non_compliance issue With HSBC UK too.. I am currently waiting for reply from the ICO. HSBC have not contacted me further to let me know if they are or are not going to comply to the SAR i filed nearly 3 months ago now..

 

Has anyone got more information about getting LBA and starting county court action.. I am in Australia right now, and need to organise to get the action taken in the UK...

 

 

start your own thread or it may get missed as this thread closed

:mad2::-x:jaw::sad:
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