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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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danjure

Student loan issue

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Hi all,

 

I've been reading posts with similar issues but my details are slightly different.

 

I left university in 1998 with approximately £2000 of student loans (all old style afaik), since leaving university i've moved around a great deal however i didn't tell the SLC where i was. Consequently i have never had any communication with them about repayments in the intervening 10 years, i've never even deffered payments. Yesterday my mother recieved a letter from the SLC asking her about my address and contact details. Currently i have a young family and i am on a relatively low wage and i worried that the SLC will have added lots of charges to the amount since they've not been able to contact me. I've also read that they can damage your credit history (although i've never had any problem getting credit in the past 10 years). My question is what should i do?

 

I'm going to tell my mum to forward on my contact details to them but i'm wondering how to play it from then. will i be able to pay just a small amount every month? what are the charges likely to be?

 

I think leagally the debt is statute barred since i haven't acknowledged the debt for over 10 years. is that correct? and if so how would i proceed?

 

I want to be honest with them but if i acknowledge the debt will it be much worse? What will they do to me once they've found me?

 

thanks in advance,

 

Dan

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If they are the old style loans then they are statute barred and absolutely nothing SLC or you do can change that now.

 

Tell your Mum to bin the letter and ignore them. They don't trash your credit file and they cannot make you pay.

 

If however for some bizarre reason you want to pay them, contact them by all means but remember that the ball is very firmly in your court and they have no choice but to agree to whatever you suggest.


RMW

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Hi reallymadwoman and kurvaface, thanks for the quick reply!

 

What i don't want is them to keep hassling my mum, she has issues with authority and doesn't like the idea of just throwing away the letter. Wouldn't it be better to give them my address and then when they contact me reply with the statute barred letter as kurvaface did?

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I don't think they are going to stop writing to your Mum, and provided you have no CCJ as a result of the SLC then you have nothing to lose by telling them where to go. I would first check that there is no CCJ against you.

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well i got a new mortgage last year with no hassle so i presume there are no ccj's against me. To check do i just get my credit rating? Also, should i send a preemptive statute barred letter, or should i wait till they've contacted me?

 

Cheers,

 

Dan

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Your loan may be statute barred but ccjs do not become statute barred although SLC would have to explain to the court why they are enforcing it only now. The ccj drops of your credit file after 6 years but you need to be sure that there isn't one lurking there that bites your behind later. Try this:

CCJs, court orders & fines - Search yourself and others - Trust Online

I think there is a fee but probably well worth the reassurance.

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