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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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mayday mayday

creation credit agreement

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Hello CCM,

 

I watched that programme and was totally disgusted with this bunch of animals. How sad are they paying their silly scary games. Oh I'll be the bear. Do they have no shame. And if they are solicitors, do they not realise they have to comply with laws.

 

I would really like to wipe that smile off the big bear:mad: maybe change my name to a tiny killer virus, and go after them:mad: you don't have to be big, to get a devastating result:grin:.

 

Interestingly ALL "solicitors" are deemed to be "officers of the court" and as such have to be the epitome of perfection, and completely trustworthy in all respects, as i understand it LOL:rolleyes:


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hi all

 

Last October we found this site because we desperately needed help. Citibank had sold a credit card debt of nearly 8k to Hillesden who were going to get a charging order on our property. After help on this site we cca them, they then sent us a letter every month stating the account was on hold. Two weeks ago we received a letter stating they did not have the cca so was unenforcable and with a postal order for £1.00! However we now have a problem with creation finance I sent a request for a cca and we received a letter back saying due to a system anomaly this could not be retrieved, however greenhalghs have issued a ccj against me, I have defended this but have received an allocation questionnaire, how do I fill this in, please help?

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Is this claim to do with this thread? http://www.consumeractiongroup.co.uk/forum/legal-issues/169804-help-creation-financial-please.html

 

If so you really need to stick to one thread per account as it makes it very difficult to give advice without first having seen what has previously been done.


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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yes it is, sorry but I have had real trouble getting on the site today, and the n150 has to be submitted tomorrow. Apologies

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Why would you want someone else to sign it?


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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sorry for my lack of knowledge but what is a allocation questionnaire

 

Allocation questionnaire - Wikipedia, the free encyclopedia

 

Also known as a form N149


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Can someone else sign the allocation questionnaire on your behalf?

 

Thanks

 

I don't know the definitive answer, but I cannot see a reason why someone couldn't sign it pp ((per procurationem), see Procuration - Wikipedia, the free encyclopedia

 

But you would be better 'phoning the Court Manager to see if it acceptable.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Threads merged, mayday mayday, as Rory suggested, please stick to the one thread on this case.

 

Regards.

 

Scott.


 
 

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Under CPR 31.14 the Claimant has to produce within 7 days any documents mentioned in the Particulars of claim but not served with the claim form itself. Failure to do so can lead to a succesful application to strike out or for summary judgment. In this case they probably will have a default notice but is it valid?? They have admitted they do not have an agreement so really its game shot & match...........

 

However if you don't file even a basic defence they will be able to reissue should the happen to "find" the agreement. If a basic defence has been filed then they will have to make application to the court to be allowed to reissue and it is unlikely to be granted

 

Can I just ask if the CCA was not attached to the POC but I do have a default notice sent from Creation is it worth would it be worth asking for a copy of the CCA.

 

Sorry to step into someone else's thread it is just a quick question.

 

Hammyhound

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Send the CPR31.14 asking for all docs mentioned in the POC assuming the CCA and the DN was mentioned in the POC hammyhound.

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Hi, I really hope that someone out there can help us!

 

About 10 months ago I requested a cca from Creation Financial and received a letter back from them stating that due to a system anomaly it could not be retrieved and enclosing a blank agreement form with absolutely no details whatsoever. Shortly after this I received a letter from Greenhalghs solicitors stating that they were going to take court action which they proceeded to do so in December last year. My defence had to be in court by 21/1/09 which I did. A couple of weeks later I had a letter from the court stating that it had been struck out as they had not filed their papers in time. I have now had a letter from the court that they have asked for the case to be reinstated and a hearing will take place on the 29th June. They have said it was due to a computer glitch that the papers were filed at the wrong court. I sent them a letter in December requesting the cca again and other information in relation to this account and they replied approx two weeks later saying it would take a few weeks to get this info together, and I have had no correspondence from them since that time. What do I do now? I really do not want to go to court. Please can someone help?

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Is there anyone out there that can help? Is there something I can file requesting the case remain struck out re; no agreement etc? Also do I have to attend court, I am terrified.

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My defence had to be in court by 21/1/09 which I did.

 

I have now had a letter from the court that they have asked for the case to be reinstated and a hearing will take place on the 29th June.

 

Hi mayday,

 

First of all - don't panic

 

It would help if you could post what it says in the original particulars of claim from Creation, your defence and then this latest letter from the court (leaving out any identifying information).

 

That way we will be able to give you some advice. It's a bit difficult trying to give any advice if we don't know exactly what's happened already.

 

Regards

 

nicklea

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Thank you. It will probably be tomorrow before I can get it all together and scanned in as I am a bit of an old fogey where technology is concerned. Is that o.k.?

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no problem - or if it's not too long just type up what it says. Whichever is easier for you

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Hi I hope someone may be able to help.

About two years ago Creation Financial tried to take me court over a storecard debt of approximately 4500.00 which I defended

due to the fact I had previously asked for a copy of the credit agreement and received a letter back stating they no longer had this documentation.

 

They did not file their information in time and the case was struck out.

 

About 6 months later they applied to re-instate the claim which I again replied to however they did not turn up at court and it was again struck out.

 

In the past few weeks I have had two letters from Drydens stating they are reinstating the claim

and the last one asking me to contact them within 7 days to reach an agreement and the amount is now over 5000.00.

 

Where do I go from here?

 

I thought that the matter would be closed,

 

is there a way to get this stopped permanently?

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Hi

 

Welcome to CAG.

 

Please repost your question in the Creation forum here...

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?340-Creation-Finance

 

You will get better advice there.

 

T

ims


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i have merged the three threads over the history of this debt

for advise history.

 

i think they are just trying in on!!

 

time to ignore them?

 

dx


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I would think a Judge would take a pretty dim view of their attitude. I dont think they will be able to reinstate the claim, they would have to issue a new one and I dont think they can if this is on the same facts as before. :)


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