debt with hsbc

[pigsic]

Hi Lisa,

 

A mixture of what Paul advised you say in an earlier post and what you have there.

 

Say...

 

Dear Sirs,

 

ACCOUNT NO: xxxxxxxxxxxx

ACCOUNT IN DISPUTE

 

This account is in dispute with HSBC and I am in communication with them regarding this matter.

 

I will write to you again as soon as HSBC have replied to my letter dated XX XX XXXX

 

Alternatively, perhaps you can refer this account back to them.

 

Please advise me of your decision within 7 days.

 

Regards..

 

Hi Ok thanks ever so much as you can see I am rubbish and putting letters together

thanks again

lisa

[pigsic]

Hi there all

 

Well on saturday dad received a letter back from HSBC Bank.

 

gose like this can someone advice me what to do.

 

Dear Mr ********

 

Thank you for your recent letter with regards to information concernng transactions and charges on your account.

 

Unfortunately, you have omitted to sign your letter. may I ask you please to submitt fresh instructions ensuring your letter is signed. I apologise for the inconvenience this may cause you, however, your signature is a legal requirement. (ya right)

 

I have enclosed your postal order as the bank is happy to waive any fees for the production of this information.

 

your sincerely

 

 

*******

Customer resolutions manager

 

 

I think thy trying to get dads signature so they can copy is onto an agreement cos we now they dont have one of these .

[Hopeful1]

Lisa, you are so clued up now - you've been playing this game too long

 

This link may be of interest:

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/139881-hsbc-want-signature.html

 

[The GodMother]

a digital signature should be good enough

[johnnymitch]

I would send them the letter that's on the link hopeful1 gave you lisa....it says all you need........

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/139881-hsbc-want-signature.html#post1489210

 

btw hopeful 1 is right - you're getting wise to them now - well done!

[pigsic]

hi all

 

Is this the letter you are talking about the only thing it is on about cca but the last thing we sent was or s.a.r and mentioned in that cca

[pigsic]

sorry is this the letter

 

Dear Sirs,

 

RE Account NO XXXXXXXX

 

Thank you for your letter dated xx/xx/2008 the contents of which are noted

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature before you comply with my S77/78** request.

 

If it is for Data Protection purposes then i can happily supply you with documentation to substantiate my identity to you.

 

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 77/78** was made on xx/xx/2008 and the 12 working days for your compliance expire on xx/xx/2008. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

I look forward to receiving the documentation requested

 

Regards

 

Print dont Sign

[johnnymitch]

This is the letter lisa, - it tells them that you know they're wasting time asking for something which is unnecessary, and also reminding them that you asked for information and the clock is still ticking for their compliance with your request.

 

Don't forget - don't sign it - and send 'Recorded Delivery'

[pigsic]

This is the letter lisa, - it tells them that you know they're wasting time asking for something which is unnecessary, and also reminding them that you asked for information and the clock is still ticking for their compliance with your request.

 

Don't forget - don't sign it - and send 'Recorded Delivery'

Hi johnnymitch

Sorry to be a pest but you know the letter i sent was regarding s.a.r but this is about cca is that ok to send it

thanks lisa

[The GodMother]

It does not matter just change the details to SAR and data protection act and other relivant details remember tho 40 days for a SAR and DONT SIGN IT.

[johnnymitch]

If you sent the letter asking for both as advised by PT2537 lisa, then this letter should cover both eventualities ........ you're asking for info - they don't need a signature...... simple as that.....

 

And you're not being a pest.......I know you just want to get it right

 

Oops -you beat me to it tgm , but basically, I think we're saying the same thing.....

[pigsic]

ok thanks will get that off today

lisa

[pigsic]

Hi Can you let me know if the additons to the letter sound ok

thanks lisa

 

Dear Sirs,

 

RE Account NO

Thank you for your letter dated 27-06-2008 the contents of which are noted

In your letter you make reference to requiring my signed authorisation /specimen signature** before you comply. I draw your attention to the fact that the Consumer Credit Act 1974,S.A.R and Data Protection Act 1998 does not require that I supply you a copy of my signature before you comply with my S77/78** request.

 

If it is for Data Protection purposes then I can happily supply you with documentation to substantiate my identity to you.

 

However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why has it taken so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

My request for a true copy of my credit agreement under section 77/78** was made on 13-01-2008 and the 12 working days for your compliance expired on 29-01-2008. And my request for S.A.R Data Protection Act 1998 was made on the 23-06-2008 and you have 40 days from that date to comply. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

I look forward to receiving the documentation requested

 

Regards

Mr

[citizenB]

Perfect

[johnnymitch]

Sounds spot-on to me Lisa, that's a good letter ..........

[The GodMother]

yep i agree.

[pigsic]

Hi there all

following my letter to hsbc bank at the beginning of july. Dad has received a letter back from them saying that they need a signiture before they can provide information. we do they send letters to the address if they do not know its dad they writing to.

this is the letter they sent, PLEASE HELP

 

[johnnymitch]

Hi lisa ,

 

Nice to hear from you again-

 

Don't be fooled by this ploy they do not need a signature ........

 

Have a look at this link and think about sending them a similar letter...

 

Signature not required

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/139881-hsbc-want-signature.html

[johnnymitch]

I've just been looking back Lisa. didn't you send them this before?

[pigsic]

hi johnny

yes have seny them a letter stating that they do not need a signiture

lisa

What can I send next

[johnnymitch]

In that previous letter you told them you were prepared to offer proof of identity - if you produce this at your local branch they can order the information you require for you..........

 

Also , they're quite happy to discuss your account on the phone if you answer their security questions -

[johnnymitch]

Another thought Lisa - they have failed to comply with your SAR therefore you should challenge them to produce the information you require or report them for non-compliance if it's outside the 40 days..........

 

Have a look at this link and see if there's a template that you can use

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html#post38561

[pigsic]

hi there

Do you think I should just ignore this letter and see what happens next or should I send LBA

lisa

[johnnymitch]

Hi Lisa,

 

I'm a wee bit puzzled as to how you can send the LBA if you haven't got all the information you require to be able to make a claim for a definite amount ..........

 

But if you have got it, send the LBA and follow through - they'll try to delay you at every turn - don't be sidetracked.....

[Castlebest]

You can send your preliminary letter and LBA with "estimated" figures if you know roughly how much has been deducted in penalty charges, this will put your account firmly in dispute and should prompt HSBC's standard we will be looking into it after the test case acknowledgment BUT you must have a fully evidenced claim (backed by bank statements) before you issue court proceedings.

 

pete