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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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lothianlass

Got myself into trouble Help

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I won't go into the whole sorry tale Upshot is I had a whole load of debts totalling @ £22,000 which I have been paying for the last 10 years at the rate of £7 per month (Token Payments)

 

I don't know how but I managed to let my ex talk me into getting another £33,000 pounds worth of debt in the last 15 months

 

He could not get credit in his own name

 

Anyways I told some lies re my income in the last lot of debt 2 x loans plus 2 x credit cards plus a massive overdraft (all maxed out) be cause I had him staying with me I thought I could service those debts

 

Anyway in the last 6 months I have had a serious illness lost my job and my ex is now my ex

 

I was thinking about taking the low income low assets route to bankcruptcy as I have no income apart from State Benefits and I live in rented accommodation

 

Could anyone on this site advise me as to how you think the AiB will view my situation vis a vis my older debt and my newer stuff bearing in mind I did lie on the application forms for the new loans

 

I know this sounds mixed up Any questions??? Any advice greatfully accepted

 

Please dont judge me till you have walked a mile in my shoes

 

Lass

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Hi Lothianlass

 

No one is going to judge you on here :cool: everyone has their own story

about their reasons for getting into debt.

Anyway your total debt is still lower than what mine was. :)

 

Hopefully one of the experts will be along soon to give you

advice re the aib and anyhting else you need to know.

 

HT

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Thanks for that Helenatroy I almost cried when I read your post I had a feeling no person had ever went BR with such a large amount

 

Thanks again I am trying to keep the faith

 

ooxx

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Hi lothianlass and welcome to CAG, you have came to the right place for advice, like Helenatroy said one of the experts will be along soon with the advice that you need.

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Wow you are all so helpful and supportive

 

Just when you think you are in the deepest darkest place you have ever been in your life A glimmer of hope

 

Someone cares enuff to post

 

Shine a light :)

 

Cheerz

 

Lass

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hiya

 

if you have no assets it might be the way to go

 

National Debtline Scotland | Debt Advice | Factsheet 01 Bankruptcy

 

Ida x


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Thanks Ida I was more worried about how the AiB will view how I managed to get into the second load of debts

 

Any thoughts??

 

Will I end up in big trouble for inflating my income on loan applications??

 

cheerz

 

 

That link was most helpful thanx

 

shine a light

 

Lass xox

Edited by lothianlass

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they won't know and will not ask

 

ida x


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Thanks for that I may get some sleep tonite for the first time in ages I have been so worried

 

much kudos to you

 

shine a light

 

love and peace

 

Lass x

 

:):):)

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You have good advice from Ida, keep in touch with us on this thread.:)

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Will do Blue going to make a list and get in touch with that Debtline Scotland ASAP

 

I seem to have been frozen with fear last few weeks afraid to answer my phone or my door

 

Thanks to finding this site I can feel the darkness lift a bit

 

Trying not to be a drama queen but I really have been worried sick

 

Have hardly ate or slept for days just worrying

 

Thanks again all

 

shine a light

 

 

Lass xox

Edited by lothianlass

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Hiya everyone Things have changed since the last time I posted on this forum

 

I eventually took the LILA route to Bankruptcy in Scotland and everything has proceeded well so far I was sequestrated in February of this year.

 

My brother has had a bit of luck on the National Lottery and sez he would give me enough money to make an offer of composition to my creditors plus any fees to the AiB The offer would be 25p in the £ that I owed

 

It would be great to be discharged early and have the bankruptcy expunged from my record

 

Does anyone have an opinion as to whether they think this offer would be accepted and as to how one would go about making such an offer?

 

 

Thanx alot

 

Lass

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Thanks Ida I was declared Bankrupt in Febuary 2010

 

The AiB is my trustee I am worried about contacting them to make the offer of composition I don't know what the protocol is

 

Lass

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remeber as well the BK will not disappear of your record, it will still be there just that you may be discharged sooner.

 

remember that any monies agreed does not pass your hands as well :wink:

 

http://www.aib.gov.uk/MainNav/Services/Legislation/howlongbankruptcy/offerofcomposition


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Thanks Ida I think I will leave well alone as I thought bankruptcy could be recinded

 

He said he would take me on a nice holiday with his family Do you think that would be frowned unpon? There would be no money involved just the holiday.

 

If that would create a problem I would just leave it until I was discharged

 

I know how this sounds Puts me in a bad light but the offer of help does have his conditions not mine

 

Luck always to you

 

Lass

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if its being paid for by someone else then that's fine

 

it is only a problem if monies pass through your hands,

 

is he looking for another sister to adopt :lol:


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If it were all mine I would take you believe me!!!

 

Ur a saint

 

He deserves the luck you should know that those 5 numbers plus the bonus ball could not have happened to a nicer guy

 

Lass xx

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