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HSBC letter this morning

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Hi All

 

I requested my CCA 3 weeks ago and they refuse to send it unless I sign the request/send a sample signature.

 

I have sent two letters back (with kind help from people here) saying its not a legal requirement etc and they have now sent this today.

 

They are really p*ssing me off now...what can I send back?

 

Thanks

 

 

Vicky

xxxx

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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You could always use this.... copy it into a word document and sign over it :D


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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Also make a complaint to the ICO https://www.ico.gov.uk/Global/contact_us.aspx

because they are in breach of their guidelines; http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/checklist_for_handling_requests_for_personal_information.pdf

 

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.


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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17 Port & Maritime Regiment RCT

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As always, HSBC want to have their cake and eat it.

 

Dear Utter Bankers

 

I refer to your recent letter in which you explain that you are refuse to comply with my SAR of (date) because you are unable to satisfy yourselves as to my identity.

 

However, you have undertaken debt collection activities including demanding money and threatening legal action. The Office of Fair Trading Guidance on Debt Collection, compliance with which is a condition of your consumer credit licence, is clear that to undertake such activity when you are unsure whether you are dealing with the correct person is an 'unfair practice'.

 

In the circumstances, I do not expect you to undertake any further collection activity until you have fully complied with my SAR.

 

Yours etc.

 

Once the 40 days are up, send them an LBA for non-compliance and then sue them.

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