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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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I had student account with natwest and an overdraft facility. I finished Uni in 2001 and at some point after this Natwest informed me they were changing my account to a 'service account'. I had no idea what all that was about but not long after I started to recieve letters saying I had to pay off the overdraft. Not having lots of money I have continued to pay them an agreed amount which with the interest means for 6 years all I have achieved is to stand still.

 

A couple of years ago they clossed the account (i didnt use it anyway) and Triton started to act on their behalf. every few months they have tried to bully me into paying more but I have always just offered them what I can afford. Today they contacted me wanting to up the agreement and a payment today! I told them I didnt have one and that I had paid as per agreements. Anyway I mentioned I may request a copy of the agreement to see what that says and they the guy immediatly told me to stop paying and he would give my case to a debt collection agency..possible moorcroft ..whoever they are?? He stated the reason for this was they would stop the interest and take what I could afford...GREAT!!

 

Is this guy telling me the truth and giving me good advice or is he setting me up as it all seems too good. The total I think owed is around £1800 but as they have not sent a statement for over 12 months I am not really sure.

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Hi,

I wouldn't let it get as far as Moorcroft. They will bully, harass and lie to you in order to get you to pay more. If it does get that far, get a recording device for when they phone you and record everything they say.

 

Keep paying Natwest/Triton and hope they don't pass it on.

 

Are there any charges on the account that might be able to be reclaimed.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thankyou for the reply. I am not going to stop the standing order I already have but there is no way I can afford any more than what I already pay so dont know how I can stop it :( Plus if it does continue the way it is I will only increase the debt with all the interest. I am repaying £30pm and the interest so I am told is around £28-£29 a month although I have not seen a statement for over 12 months.

 

Are there any charges on the account that might be able to be reclaimed.

 

To be honest I have no idea..how would I find out? Any help to point me in the right direction would be great. Also I have read a couple of these threads..well lots and everyone is talking about requesting the agreement, should I be doing that?

 

Thanks again for the reply.

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You could CCA them but as overdrafts are not generally covered (part v exemption) all they could send would be a statement.

You could SAR them. This would get back all the ststements from your account and you could work out what they have charged you.

At the moment charge reclaims are in limbo due to the supreme court ruling last week but it doesn't mean you can't start with the banks. Once the picture becomes clearer, I'm sure the reclaim process will continue unabated.

 

The SAR will take 40 days to come back to you (even longer in some cases)

but the sooner you get it off the sooner you will know where you stand.

 

Have a look at this link to these letters:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

and the SAR link:

 

The Consumer Forums - Bank charges templates (consumer)

 

Letter 2

 

Hope that helps

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I now have a company called Wescot calling me. As yet I have had no letter explaining they are taking over any collections just calls asking me if I am ...me. I know what they want but as I have not recieved any notification in writing refuse to confirm my identity or discuss anything with them.

 

I would like to request a SAR but who do I send it to? After my last verbal request for a statement I have recieved nothing so still have no idea regarding what I owe.

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Data Protection Manager

Natwest Bank Plc

Regulatory Risk

2nd Floor

Business House B

Gogarburn

PO Box 1000

Edinburgh

EH12 1HQ

 

For all this info and other info on addresses with Natwest, look in the 'sticky' thread at the top of this forum ****Natwest Contact Information***

 

Regards

 

 

Amber

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