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  1. I found the threat about Fendy-v-HSBC https://www.consumeractiongroup.co.uk/forum/showthread.php?83821-Fendy-Can-I-Get-Statements-From-Old-Midland-Bank-Account-20-Years-Ago I was interested because i was a customer with Midland bank, then rolled over to HSBC when HSBC took full control over Midland Bank. I had a situation where, after rolling over to HSBC, i spent time away losing contact with the HSBC representatives who Dealt with my every needs (Year 1994-1995). I returned to HSBC in 1997 to open a new account, staff then did not want to provide me details of older accounts
  2. Hi wonder if I could ask for some advice from anyone who has undergone a similiar situation. I have received a letter from my local job centre advising me that I have to go for an interview with them to discuss some changes that may affect my benefits payments. I claim HB ESA Support Group and PIP. I called and spoke to person on the letter who told me that they have had anonymous report that I am working which is not correct. I am pretty sure I know who this person is as I provided support for seriously mentally unstable person in my road last year in terms of helping them with form
  3. Hi all I'm in such a huge mess and so scared right now! I realised my partners wages were incorrect on my tax credits and rather than doing the sensible thing by ringing them and telling them this I just kept updating my claim each week a little bit higher which also triggers lots of one off payments as I was scared if I told them it was wrong by 11000 I would be fined so I thought a sensible thing to do would be updated weekly untill it was the right amount! Back in August I received a compliance letter asking for various information one being our p60s I haven't rec
  4. Hollerz

    Hmrc compliance

    Hi apologies if this is posted in the wrong place. After spending all night reading posts about overpayments I wondered if anyone had advice. I received a letter last week asking for information as my daughters dad is linked to my address. I knew this as his mail has been coming here for years after we split and we entered into a mortgage agreement in 2016. The mortgage is complicated, my daughter is disabled and was granted an adaption for the house. There were quite large costs to meet and I needed to raise funds for the overspend. Her dad agreed to help and we set up
  5. Hi Caggers! I have a friend who is at the end of her tether with Scottish Power. She has a Gas Key for prepayment, however, has not used gas for approximately 6-9 years, possibly longer. This was due to the boiler breaking down and this was the only usage of gas, therefore she only uses electric immersion for the water heating. SP sent an invoice for money owing and after she quizzed them due to none usage they told her it was for X amount of standing charges for the gas meter. The agent for SP told her to ignore the bill due to none usage of gas and therefore she accepted tha
  6. 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
  7. Opened: Feb 2018 Investigation into Iresa and its compliance with its obligations under its gas and electricity supply licences READ MORE HERE: https://www.ofgem.gov.uk/publications-and-updates/investigation-iresa-and-its-compliance-its-obligations-under-its-gas-and-electricity-supply-licences-slcs-14-233-234-25c-slc-0-october-2017-275-278-2716-and-chsr-2008
  8. Hi please please can someone help. I am at the moment feeling like I’m having a heart attack with actual panick attacks. I am in the wrong from what I can tell and I have read. Let me point out that 25 years ago I pleaded guilty to false representation for income support when I opened a business and didn’t go down the employments support start up route (dont know the correct name) but two dates and I pleaded guilty. Since then I have always stuck to the rules!! I claimed previously with my useless ex husband and then removed him when we separated. I then had my bu
  9. 've had one of those worrying letters! We have info linking "your ex" to this address. Please send bank statements, bills etc. We have genuinely been separated for six years and been through this before and found "not guilty" he pays 105 per week into my account for the kids and 115 per month maintenance for me, will this be a problem? All the bills are in my name apart from the mortgage which is still joint for future equity reasons. Is is it worth sending additional stuff or just what they have asked for. I really want this closed. Ex can supply tenancy agreements of where he is living, do
  10. Good morning, I have found this site via various google searches and really hope someone can help. I have been claiming ctc & wtc as a single person but have a partner living with me. Stupid I know. It was always a case of I will let them know but never have. I have become totally reliant on the money due to large debt issues, payday loans, doorstep loans etc. No excuse, Im just rubbish with money and an idiot. Yesterday I received a letter from HMRC compliance saying they have reason to believe Mr X is living at my address and wish to check a 6 month period of
  11. Hi, I'm on UC, the non-full service one. I'm single and living by myself. Received a letter 5 days ago from the DWP, Local Service Compliance department. It has FESL2Tv2 at the bottom right. It says: I'm latching on the fact it says "about some changes" rather than saying "about any changes". This seems to suggest they're referring to some definite changes they know about? Unless it's just poorly worded. Obviously there's some major changes happening due to the transition over the next 5 months from gateway UC to the full UC (the full version of UC will be implemented by Sep
  12. Opened: Feb 2018 Investigation into Ovo and its compliance with its obligations under the gas and electricity supply licences READ MORE HERE: https://www.ofgem.gov.uk/publications-and-updates/investigation-ovo-and-its-compliance-its-obligations-under-gas-and-electricity-supply-licences-standard-licence-conditions-31a-and-25c-slc-0-october-2017
  13. A friend of mine has been notified of a telephone interview she must have on 12th January. I called the DWP on her behalf and they confirmed that it is in relation to the £6000 she has in her ISA and that they (the DWP) have had some sort of notification that it may now be worth more than £6000. The interview is merely to confirm this fact. Has anyone on here had experience of this process?
  14. i attended a compliance interview 22 february they said hmrc informatiom about 2 interest payments leads them to believe that i could have had over 10000 in 3 accounts that they say where active at the same time when i banked with lloyds i have never had more than one current account and one savings account active at any time i banked with then from 2004 to 2015.They have said i have to provide bank statements from 2010 to present of every bank account i have held and if i dont i will lose my pension savings credit. I do transfer accounts to get the perks the banks offer for swi
  15. Hi My friend is a carer for her husband who has early onset dementia they are both 62 he is on income based ESA and she also has health problems including several strokes, angina attacks and has difficulty getting out as she has fainting fits. Last week she had to attend a compliance meeting, it seems that her husband has a works pension and a building society account which she was not aware of ( he left her for another woman and only came back to her when he started becoming ill so there are parts of his life she didn't share), she has had no letters addressed to him from either th
  16. Would someone please kindly point me in direction of some recent schedule of costs examples for circumstances like this? Thanks
  17. Hi all, I have had a Notice of Enforcement from Bristow and Sutor claiming that I owe them something in the region of £65 + £75 compliance fee for a Council Tax Debt that I apparently have from an old property that I rented. I always paid by DD and only cancelled the DD after seeing that no payments had gone out for a while, therefore I believed that I was discharged of any responsibilities. Fast-forward a year and I receive a Notice of Enforcement dated 23/8/17 claiming the above figures and that this has been through the courts. How would you suggest that I proceed? If there i
  18. Hi, I have been claiming Esa and Pip for a couple of years and in May was awarded Pip again till 2027 and was informed that my ESA would also continue. I have recevied a letter from the DWP compliance office saying I have to go to an office interview in THREE weeks, that is along time to worry as my situation has not changed since being awrded ESA and PIP. The headline says, "We need to talk to you about some changes that may affect your benefit payments.You must be available for this isterview and have all the information listed on page 1and 2 with you". Just so I can calm
  19. I started an important thread earlier today concerning a recent court judgment where a debtor was ordered to pay £7,000 in costs after losing his claim against Harrow Council and their agent; Newlyn. The background and Judgment can be read by way of the following link: http://www.consumeractiongroup.co.uk/forum/showthread.php?477808-Paying-the-creditor-direct-to-avoid-paying-bailiff-fees-has-landed-a-debtor-with-a-%A37-000-cost-order.(32-Viewing)-nbsp To ensure that the original thread does not go 'off topic', discussions about the judgment can be posted here.
  20. Hi guys, long time no see. I've a bit of an issue and don't know where I stand on this and hope someone can give a little insight on what i should do. A few weeks ago my partner moved out. He was my full time carer and claimed carers allowence. I notified housing and DWP as you should albeit about 10 days after he moved out. Which I hold my hands up to, but I wasn't in the right frame of mind at the time. ( I had just found out my landlord, who was also my friend had suddenly passed away) So also have the worry about my housing situation. Another issue I may need help with.
  21. Hello all, I was hoping someone here can help me regarding this issue. I took out a loan in 2011 with a Credit Union in Scotland. They have defaulted my credit file with the wrong info, including amount, default date and address. I've had both the ICO and FOS involved in this matter and am now tearing my hair out to get it resolved. A high level timeline of events: In August, I contacted the CU about the default and they gave no indication that this would happen. It was also not reported for 4 years after the fact. In September, I paid outstanding amo
  22. Hi, I received a letter last week for a ' Local Compliance Telephone Interview'. The call will take place in just over 2 weeks. The letter says the telephone interview has been arranged because your circumstances may have changed and we need to ensure your payments are correct. On the back it says i need my bank statements at hand and any savings or pensions (which i don't have!). I rang the women who will be doing the interview to change my mobile number as it was wrong, i asked her what the interview was for as i had never heard of it. She said "its just to check your getting / on the
  23. I received a letter from the DWP asking me to come into their office to discuss my housing benefit claim. I have already been through the mill with the council who regularly check my entitlement for HB and I have given them bank statements over the past years. The last request from HB was only two months ago and I gave them what they asked for and got a letter saying everything was OK. This letter from DWP has came as a bit of a shock as I do not claim anything from the jobcentre. What has my housing benefit got to do with the jobcentre?
  24. Hello all Getting worked up and worried over a letter I received from the DWP. It starts with: We need to check your personal information. Dear XXX In order to make sure that you receive the correct amount of benefit, we need to check that the details of your claim are correct and up to date. We have arranged a meeting with you xx March. Why you should attent: Keeping your details up to date ensure that you are getting the correct amount of benefit. 8 out of 10 people come to this meeting. If you can keep this appointment or would like to report a c
  25. Hi, I issued a Section 10 notice (Data Protection Act) on a non-credit related matter relating to the processing of inaccurate personal information held about me. The organisation a) failed to respond within the 21 days (upheld by the ICO) and b) when they did eventually respond, have refused to comply with my Section 10. Most grateful for any guidance on next steps - e.g. how I might go about enforcing compliance through the courts, procedurally. And is their failure to respond within the 21-day timeframe actionable, e.g. distress in light of Vidal-Hall v. Google? Many thanks.
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