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Posts posted by rosequeen

  1. Hi to anyone who can help me find a topic or thread entitled "My 6+ Year Claim Against HSBC" that was posted in 2017. 


    It was about a poster who telephoned HSBC head office regarding a delayed DSAR response and  spoke to a supervisor who said HSBC did not retain full customer details, only transactional records and would send him/her copies of statements from 1994.  I'd like to see if they posted back saying they received them.


    Do any experts know how to locate this thread on the CAG forum?  Cheers RQ


  2. Hi Mistermind

    Thats a massively generous offer and would really help if you did a SAR against your older Barclaycard, the one from the 1980’s.  


     Can you ask them for the application/credit agreement and PPI policy document?  Like you mentioned there’ s just enough time before the deadline.  Send me a PM when you receive a response, or photo images with your personal details obscured.  


    Thank you so much.  You’re a hero!

  3. Thanks Mistermind for responding.  I was hoping you might have sent a SAR to Barclaycard and they managed to locate your credit agreement and PPI policy, so I could find out the name and address of the underwriter. 


    If you pursued your complaint over the phone to them, I'm guessing your B/card was still running after 1997 because they can find PPI records back to then but not for B/cards that closed before 1996 like mine. 


    I do have the account number but they said its too old to locate.


  4. Hi Mistermind


    Not just you, thousands of us


      However, if I hear of anything in the future that might help you, me and others I'll put it on this forum, so keep checking. 


    One thing, did you actually put a PPI complaint in? 

    If not, then I'd advise you do so, because it needs to be in before the August deadline, even if it doesn't make any progress. 


    If, eventually you do find some evidence and submit a complaint after the 29th, the bank might reject it on grounds of being too late.


    Could I ask a favour?

    Would it be possible to send an image of your Barclaycard application or credit agreement with your personal details obscured?   


    Do you have a copy of the PPI policy document with the name and address of the underwriter? 

    Thanks, Rosequeen

  5. 8 hours ago, Mistermind said:

    My revolving credit account had a limit around £2000.  Interest accrued only when I drew debits out, when I paid what I chose, not necessarily once a mouth.


    Around 1982-3 I opened such an account in HFC Bournemouth office, then around 1985-8 I opened account in HFC Brighton.


    Barclaycard has been very honest and honourable, paying me huge amounts of PPI refund without quibbling when I had zero records.  Not so HSBC.


    Can I ask when your Barclaycard was opened? Did they send you a copy of the credit agreement?

  6. Join the club, as I got no further with my PPI complaints from the late 1980's/early 1990's either.  


    From the sounds of it you've done everything possible to trace your old HFC account.  Although, you could try failed SAR and take them to small claims for non compliance, lots of posters have gone down this route with some success when lenders have suddenly found the missing data just before the court date but these posters probably had the account number. 


    Banks say they cannot search their archives without the correct reference number.  I'm no expert on microfiche so perhaps someone on here can explain how data is located in microfiche.  Is it by date or account number?



  7. The problem with trying to start a pressure group is that our stories are anecdotal, we've got no proof, other than a sneaking suspicion, that banks do have and are concealing data from customers. If you took it to court a judge would probably say it's hearsay. I'm hoping the FCA will instruct the banks to settle all their outstanding PPI complaints before the deadline.


    I had a HFC complaint about five years ago, for a loan I took out in 1996. It was one of the few lenders I had records for, so I sent in a copy of my loan agreement but they wrote back saying they needed to see evidence of my loan payments which I managed to obtain in a SAR to my bank and received proof in the form of microfiche transaction lists.

    HFC accepted this and refunded all the ppi premiums I had paid.


    When I asked if they had any details of the loan which I paid off in 2004, they said no. But like I said in my previous post, since that other bank got fined for lying to FOS and customers in 2015, I don't believe what any bank says now.

  8. https://www.consumeractiongroup.co.uk/forum/showthread.php?486689-PPI-on-old-debts-credit-cards&highlight=hfc


    Hi Rosequeen, have a read, but so far this thread has not shown comprehensive happy ending. I searched for keyword HFC. I have yet to receive SAR response from HSBC re HFC old old account.



    Hi Mistermind, thanks for your response. I'll try it later.


    Going back to your thread about getting old data from HFC/HSBC. Based on personal experience I think you'll struggle because this bank and several others do not admit to holding transaction history further back than 2001. I don't believe any of them, because a few years ago a certain bank was fined when the FCA discovered they were misleading FOS and held customer records from before 2000.


    When this review was published I requested my credit card statements for a closed account from 1996 and they sent all copies, having previously said they weren't available.


    I wonder if the FCA conducted reviews of all the other major banks might they find similar practices?


    I've still got three outstanding PPI complaints that cannot proceed because the lenders say they cannot find the details. So unless something changes before August this year, mine and many other customers will not have their complaints investigated. I really hope you get a positive response to your SAR. Please let us know on here

  9. ask for a certificate of destruction from the relevant data controller.


    use the search CAG box of the top red toolbar


    there are relevant posts here whereby someone went through all this of recent and when they asked for the certs of destruction, lo and behold everything came to them.

    don't believe a word they tell you.


    Can I ask what phrases to type in the CAG search box to find the relevant posts ?Thanks very much

  10. yes please. Please start a new thread for this because it is very interesting information.


    I think we would be very interested to know the story of how you managed to obtain data going back to 1992 – and why is that you had to enlist the help of the ICO, what did the ICO do – and how long did it all take?


    The Santander archives that I referred to went back to 1933. I have had no dealings with Santander all those archives. This was simply someone who popped up on this forum in 2006 or 2007 and told us that they had been an Abbey National archivist. I travelled to meet her in Leighton Buzzard because I thought the information was so important and because at that time the Abbey bank and others were withholding information in order to try and frustrate bank charges claims.


    She told me about their microfiche system which went back to the 1960s and then before that a paper system which went back to 1933. Apparently the whole lot was housed in Leighton Buzzard. I have no idea if it is still there – but I imagine that it probably is – meaning that I imagine it still exists although I don't know if it is still housed in Leighton Buzzard. Is there a Santander building in Leighton Buzzard now?


    I'd be very grateful if you could tell us more about your remarkable success in getting data back to 1992 – but in a new thread.


    Thanks Bank Fodder that's also very interesting to read. I will start a new thread in a few days about the NatWest/ICO issue, busy with car problems at the moment!

  11. Sorry to resurrect this thread, but if this helps anyone searching for NatWest current account statements,

    I managed to get mine dating back to 1992 with the help of the ICO.

    It seems to make a difference if your account is still active.


    But if you are seeking copies of credit card statements you can only request them back to 2001.

    I suspect they have earlier ones, probably in microfiche which NatWest won't confirm one way or another if these archives exist.


    Can I ask BankFodder about Santander having archives back to 1993.

    Did you receive any credit applications or transaction history back to the 1990's?

    Many thanks

  12. Don't know if this will help but when my mum applied for Attendance Allowance it was all paper based. She didn't have to attend a medical but maybe the DWP wrote to her GP instead. It was the same for my mother in law but they are both in their eighties. I think it might partly depend on your age whether you have to be medically assessed and also your medical condition. Give as much information as you can on the form

  13. Hi rosequeen, did you have any success with Barclaycard card. I am currently trying to get info on an account I had in the same time period, my Barclaycard account number was13 digits long




    Sorry TB when I saw you'd been a cagger since 2010 I wrongly assumed you could read PM's.

    what I sent you was that I did not get anywhere with my query.

    I asked a few posters for help but none got back to me, other than what you can see in this thread.

    I'm not giving up yet, just trying to think what I can do to make some progress.


    You mentioned in your post having a B/card with 13 numbers, may I ask when the account was opened and did it start with 4929 ? Thanks

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