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    • 4 th time we've merged your threads  for complete history of your story please keeps to one thread
    • @dx100uk @ anyone else interested in Fighting HSBC UK  Staff/department non compliance and incompetence/interference in between HSBC UK and customers.   I wanted to know what you guys had to say about the reply i got from HSBC UK today.    Recap. I originally turned to HSBC UK to be reunited with Money i saved in accounts that where frozen and made dormant during the year 1995.   HSBC UK Teams tell me that HSBC UK only allows them to have access to account records dated back 6 years. there for they do not have the records, can not locate the records i requested for in my SAR. there for HSBC UK teams Ignored my SAR application for records of accounts made frozen and dormant during the year 1995. HSBC then claim if the accounts where closed they will no longer hold records of these accounts and tell that to the ICO. I again explained to HSBC UK and the ICO the records of accounts where left frozen and dormant.   HSBC UK teams continue to tell me over the phone that The records i requested for in my SAR, will not be located or do not exist because HSBC only allows them to have access to records of accounts dated back 6 years.    I returned to HSBC highlighting there is no such provision in the Data Protection Act.   HSBC UK teams today totally ignored my complaint again and confirmed with me they are classing my complaint as wanting to locate accounts that where closed.   Let me know what you think about the  HSBC UK teams response to my last complaint. Is there any other letters i can send them to confirm thay are not correct about what they have done.    The HSBC UK letter starts of by:You've been unable to recover funds you held in HSBC UK Accounts that were closed in 1994 to 1995, and to obtain the account details for the accounts concerned. You've been advised that we only retain records for up to 6 years, but you've been unable to locate any provision for this within the Data Protection Act (DPA). You require a Certificate of Destruction from HSBC UK to evidence the destruction of the data concerned. You feel your Subject Access Request (SAR) has been ignored by HSBC UK.   HSBC UK Teams now go on to explain: In respect of you being advised we only retain records for up to 6 years, but having been unable to locate any  provision for this within the Data Protection Act (DPA), I can confirm that under the DPA, we are obliged to only keep records for as long as we deem necessary, in order to effectively manage our data. So, for most cases, this will be for no more than 6 years.   In regards to your request for a Certificate of Destruction from HSBC UK to evidence the destruction of the data concerned, I regret that this isn't something that we can provide, as we don't keep records of when individual customer data was destroyed. I'd also like to clarify that if the accounts concerned were closed after becoming dormant, that we would have sent you closing statements at the time.   Lastly, I'm sorry you feel we've ignored your SAR. I want to assure you that we'll always look to accommodate a request for a SAR as best as we can. However, if we're unable to locate the account details and information required, this will mean we're unable to fulfil the request, which has unfortunately been the case on this occasion.   How else do you think i can highlight to HSBC that the teams dealing with My complaint, and request to be reunited with my money is not going to departments that can deal with my demand for services.?  
    • Hi   I have to agree if you have paid off the debt owed to them via this meter and are up to date on your bills  I would look at changing supplier and as said asking new supplier to install a standard meter and look for the best deals for you.
    • I have severe anxiety and going to leave my job and have been invited to a meeting but dont wish to attend that is three hours away from where I am. Can I legally give the  permission to decide without my being there? I cannot handle going as I know I'm going to be fired anyway as on my final warning. I'm also giving in my notice this week too! This job is just too much for me now and I cannot work here any longer. It's no good for my health and sanity  I am sick to my stomach thinking about going and about to hand my notice in anyway    
    • Thankyou it’s because I’m awaiting the outcome and a friend said I will be turned down as I asked them a while back if I had ppi on the account and how much it was and they replied.  But they did only send me a short confirmation with the amount and that they trust that answers my enquiry. i just wanted to be prepared if they wouldn’t turn me down based on that. Thanks for your advice on that mate 
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Angi

Angi v Barclays B/Account

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Hiya

My statements have just arrived, after sending a second letter into Barclays, as they didnt sent any statements just a year by year list of charges.

Now on these statements I have noticed the charges are Unpaids Out I've not seen this before, does it matter if they dont say what they are for? & I just write them on the spreadsheet as they are...

Next question, there are charges for Interest Charged can I claim this back?

Im pretty sure the Commission Charges I Can Not Claim.

Would someone just check my thread please....

Thanks So Much

Angi x


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hi Angi,

 

Unpaids out -claim

Interest and Commision - can't claim.

 

Time to finish SOC and get Prelim letter off.

 

Slick

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Thanks so Much Slick

 

Time to get printing & posting

 

Angi x


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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update

 

my claim is for £975.00

 

Barclays have offered me £500.00. as an ex gratia payment of full & final settlement of my claim

 

with this offer they have also sent a lengthly letter, making me aware of a court case pending between a number of financial institutions on the one hand & the Office of Fair Trading on the other( Im very aware)

The case deals with unauthorised o/d charges on personal account (as opposed to business accounts). One of the issues that will be considered in the test case is wheather these charges on personal current accounts are penalties at common law. In the circumstances it it possible that this case may inform the approach to be taken by banks in how they deal with business claims such as yours....

 

it does go on a bit, so are they now trying to tell me that, my claim would be just like personal accounts?

 

Im already in the middle of a claim with the HSBC with is at A/Q stage, does anyone think this claim is looking to go the same way?

 

Any help would be welcome

Thanks so Much


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hi Angi,

 

Send them a rejection letter from here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Continue with your claim and stick to YOUR timescale.

 

Send your LBA if you haven't yet and it is due.

 

Experience suggests that, once you file in court, a business a/c claim will be stayed just like a personal a/c claim, even though we think it shouldn't.

 

We're working on getting business claims un-Stayed, but don't let this delay your reclaim process.


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Many thanks for that reply, I will get busy with reply tomorrow, & let you know what happens next.

 

Thanks Again


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Ive got an old statement which has 2x Account Control Fee of £12. This is shown in the break down of the commision.

 

I thought I would be able to add this to my schedule but then later on they arent broken down. They just say commision? :s

 

Could some kind soul point me in the right direction :D

 

thanks!!

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SL56,

 

See my reply on your own thread.


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Hi TLB,

 

They should be but we're having trouble pursuading the courts of this.

 

Read Hattie's Barclays thread here - http://www.consumeractiongroup.co.uk/forum/barclays-bank/119558-barclays-business-personal-bank-2.html#post1275257

 

Angi, sorry for the hijacks, Slick :)


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My business account has had an offer on it, so looks like they are still making offers, I wrote a LBA letter last week, waiting to see if they up the offer, if they dont, well its Court next stage.

 

Slick, dont worry about the hijacks, Im guilty of that too lol ;)


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Thanks, I have an old business account( now with DCA) where they let me go well over the overdraft. I might sar themand any offer can go to pay it off.

Sorry for the hijack

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Hi TLB,

 

Sounds like a reclaim on this a/c would be worth doing to reduce the amount owing to bank.

 

Start a new thread for this claim so we can keep up with it. :)


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TLB

 

You don't need a link to it as it's in the same forum (but here's one anyway - http://www.consumeractiongroup.co.uk/forum/barclays-bank/132890-tlb-barclays-business-c.html).


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Does anyone know how long it takes Barclays to reply & pay up, once an offer has been accepted?

 

Thanks

Angi x


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hi Angi,

 

What's been going on - have you accepted the banks offer ?

 

Did you send them your LBA.

 

If they make an offer and you agree to it, you should be paid within a week or so, depending on whether they're sending a cheque or crediting your a/c.

 

However, there have been some more rare instances where the bank's taken many weeks and longer to settle.


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Hiya

 

Thanks for your reply Slick

 

I sent lba 19th Feb, got reply from bank saying final offer etc £500.00, for the second time, Ive already had a claim with hsbc put on stay this week, which is a lot more than this claim, so I thought maybe accept this offer, & was just wondering how long it takes the banks to pay up, before making up my mind, as this claim could well go on stay to...I'd rather have a bit money to be honest...I know that sort of means the bank had won in their eyes, but if I look at it through my eyes, I thought the money was gone forever..if that makes sense.

 

Angi x


Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Hi Angi,

 

Even though yours is a business claim, it's likely to be Stayed, initially at least. We're working at getting the business claims moving and have had some positive news just this week about this.

 

It's really down to whether you need the money now, in which case, £500 now is great as you never thought you'd see it again.

 

If you can wait a while, you should get the £975 + interest.

 

I said above about how long it may take to get paid if you accept their offer.

 

It's your decision now....................


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