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    • @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 
    • removed again pcn number still showing   dx  
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hollywoodhenderson

I asked Nationwide to cancel a dd; they said there was no record of it, and then paid out

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A week ago, walked into a branch of N'wide to cancel this direct debit I vaguely remember setting up in September with a college; at the enquiry desk they could not find a trace of it. Similarly it wasn't listed in internet banking.Today it was paid out; £313. I telephoned; they said it was a temporary direct debit, whatever that is, and was irreversible.

How could the d.d. have been paid out if it wasn't on the system, and is the branch likely to reinburse the amount as a goodwill gesture, even though I can't prove I walked in there and spoke to the enquiry desk receptionist?

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A week ago, walked into a branch of N'wide to cancel this direct debit I vaguely remember setting up in September with a college; at the enquiry desk they could not find a trace of it. Similarly it wasn't listed in internet banking.Today it was paid out; £313. I telephoned; they said it was a temporary direct debit, whatever that is, and was irreversible.

How could the d.d. have been paid out if it wasn't on the system, and is the branch likely to reinburse the amount as a goodwill gesture, even though I can't prove I walked in there and spoke to the enquiry desk receptionist?

 

Then under the Direct Debit Guarantee Scheme they can repay it and the college can then take it up with you since you have tried to cancel it and they have given you the spiel of some temporary DD.....that is rubbish btw.


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FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Direct debits are an agreement between you and the receiving organisation; your bank/building society are the 'middle man', paying automatically to the receiving organisation on demand. When you want to cancel, you must first speak to the receiving company to prevent them requesting payment from your bank/building society. That said, direct debits can be cancelled on the Nationwide system but only AFTER the first payment has been collected because the direct debit details do not appear on the Nationwide computer system until that payment has been demanded.

With standing orders, you have more control as the arrangement is between you and your bank/building society and therefore you can cancel or amend much more easily!

This explains why utilities et. prefer direct debit payments rather than standing orders!

Hope this helps a bit but sorry, you will have to go back to the receiving organisation to obtain a refund if your contract with that organisation was no longer required and you had notified them of such.

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"that said, direct debits can be cancelled on the Nationwide system but only AFTER the first payment has been collected because the direct debit details do not appear on the Nationwide computer system until that payment has been demanded."

 

That is true but that is not what the direct debit guarantee says. It says you can cancel the direct debit at anytime. I believe this is a major flaw in the system and there is no consistancy.

 

Case in point I recently changed my energy supplier and I could see the new direct debit mandate sitting on my account before the first payment was taken. Yet I have had instances where it did not show up prior to the first payment being taken and recall many customer being in a similar situation.

 

Surely it should be one or the other not just random?

 

Also assuming the payment was not required there is no need to go back to the company which took the direct debit. If an error has been a direct debit indemnity claim will sort it out. The advice to get a refund from the originator is often given but is incorrect.

 

In my experience many bank staff are unfamiliar with the DD guarantee and what it means so it might be an idea to obtain a copy. The usualy process for an indemnity claim is that the bank will credit the funds back to your account (timescales vary, which is in itself a scandel but not relevent here) and claw back the funds from the originator behind the scenes.

 

I genuinly don't know what happens if the originator insists the payment was due and they had a valid mandate. I believe you could raise an indemnity claim on any direct debit payment and the onus would be on the company to show that it was legitimate.

 

Ps I too agree that talk of a temporary DD is BS. Two ex-bankers can't be wrong. Although that phrase does sound distinctly dodgy. I'm going to be quite now.

Edited by indebtstudent
Added a PS

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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