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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 
  • Our picks

42man

Today's Guardian...CAG and some organisation called the CSA

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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.

 

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I would like to point out this piece from that article i quote:

"so how can it be right for a site to effectively encourage people to make off with money that isn't theirs?"

I think this is a 2 way street, pot kettle black comes to mind.

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The best part is this quote from the CSA;

"Avoiding debts is not a victimless crime – it impacts everybody in the long run," the spokesman said.
The fact is debt is not a crime contrary to what the CSA would like to believe. :rolleyes:

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.

 

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Bit strong comparing this site to shop lifting,someone's needled:D

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poor wee things


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Sara de Tute, Compliance Director of the CSA once described CAG as her "nemesis" - it's about the only thing she's ever said that's accurate.


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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Thanks for posting that up 42man

Just goes to show that CAG and the likes have really got under the skin of the CSA and DCA's :D, my heart bleeds for them

The can't stand that fact that the "Weapons" to fight the underhanded,bullying and scare tactics used are now so easily available along with and just as important, support for those that need it

They seem to be frightened of the fact that more and more are becoming educated to their ways plus due to links readily found via Google etc the number is constantly growing ;)

The CSA should also undertake a similar excercise in training their members on how to stick to the rules but of course that will never happen as they think they live in a world where their word is law :rolleyes:

How the mighy fall eh


[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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if they're going to the papers with crap like that,you just KNOW that their testicles are getting a good tight squeeze ;):lol:


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Ooh, the CSA are angry, but what can they do?

 

Same as in their other job - nothing, nothing whatsoever, which just highlights further the absolute pointlessness of their existence.

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You dont need to go past the 1st paragraph:

 

'Debt collectors are planning ways to hit back against online consumer forums allowing people to share advice about dealing with debt problems and taking on financial institutions.'

 

There are two ways they can do this:

 

1) only buy enforceable debts that are fully documented and approach the debtor in a fair and even handed manner to reach an amicable repayment solution.

2)see 1

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So those that lie, cheat, bully harrass and intimidate even those who are trying their best to pay unmanageable debts, now think we shouldn't stand up for ourselves?

 

Is this the hypocrite's last stand?

 

It is the banking system itself that is more fraudulent than most people could possibly imagine. See this thread for details.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/175668-how-credit-cards-bank.html

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There would be no need for this and other websites if banks, DCAs and others like them behaved with compassion, integrity and respect. As we don't live in an alternate universe, I for one will always be grateful for the help and support that I have found here... I don't mean to offend anyone by saying this, but if it wasn't for sites like this one I honestly believe that there would be a huge increase in debt related suicides.


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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'Debt collectors are planning ways to hit back against online consumer forums allowing people to share advice about dealing with debt problems and taking on financial institutions.'

 

How are they going to do that? If there's one thing debt collectors or the financial industry cannot do well, it's planning things. So, they'll just have to stay indignant and be content with it before we get them shut down.

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I thought this was quite a telling comment from the ones posted

 

I work for one of the major debt advice charities and would agree with most of the comments stated above. We frequently receive complaints about debt collection agencies, many of whom are members of the CSA. Stories of bullying and harassment are commonplace, many agencies frequently lie and overstate their powers to force a debtor into submission. If these agencies adhered to the guidelines on debt collection laid down by the OFT they may find that their debtors make reasonable payment arrangements. It's often due to the fact that debt collection agencies are so aggressive in their tactics that it make people search for assistance, this is where they may come across these internet forums.

 

I'm not sure what the CSA feels these forums are pro-debt avoidance. In the topics I've read I've seen lots of sound debt advice; there are even articles on the forum outlining the basics about the various debt-repayment options out there. Referals to the likes of the CAB, National Debtline and Consumer Credit Counselling Service are often given.

 

In all my time as a debt counsellor I've not seen the CSA take a proactive stance in getting invovled with the debt advice industry. They are quick to bemoan these forums but perhaps they need to get their own membership to re-evaluate their business strategies, especially their collections practices - Please guys - take time to read, and understand, the OFT debt collection guidance (as well as the new Lending Code).


Live Life-Debt Free

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when you view the CSA as the political lobbying and public relations group that it really is then everything they say becomes clear. They are not there to regulate but to promote the interests of their members.

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Hi there

All CAG is doing is giving LEGAL ADVICE, and listing other people's experience and advice. Imagine if someone was not allowed to use past Law cases in studying for a Law degree or not being allowed to take a car apart if studing car mechanics.

 

Before worrying about CAG the CSA should put itself in order

 

1) DCA's really should be OUTLAWED -- Debt should remain with whoever issued it.

 

2) If debt is passed to a DCA then STRICT RULES of conduct should be applied --for example things like "Moorcroft's Home Visit division" :lol::lol:

 

are totally against the law and PHONING people should NEVER be allowed.

 

3) When taking out ANY unsecured loan the borrower should be made aware at the time of signing the contract things like CHARGING ORDERS etc -- these nasties should NEVER be foisted on people after the fact.

 

Had I known about "Charging Orders" I would NEVER have EVER applied for a Credit card in the first place.

 

I'm surprised however at the Guardian - I'd have suspected this paper would be more on the side of the CAGGERS rather than the Banks etc.

 

Well nothing surprises me anymore -- I expect I will see Peter Mandelson renouncing his peerage and standing for some safe CONSERVATIVE seat in the future.

 

In any case most DCA's are total parasites, **** and purveyors of Human Misery. Most should be closed down without delay AT ONCE.

 

Cheers

jimbo

Edited by jimbo45

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The dca's will probably only want dca frendly site to give out advice TOUGH sites like this are here to stay. Just because there threat jockeys can no longer just say "bailiffs are on the way" or ther other countless lies and there victims just say "oh no please dont do that here have all my rent,food,elictricity,gas and council tax money". I have also flaged vercoda's post as encouring illegal activity (use of threats to obtain money) and sugest we all do the same.

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consumer help on the csa website I think that would be like trusting a hungry gattor to babysit.

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Saw the article on the Guardian's website. Hate it when they said something like CAG is about people avoiding their debts. What a load of tosh. I was surprised at the Guardian doing such a one-sided article. If it wasn't for CAG people would still be paying even more charges than we do now, and we'd all still being conned into PPI. We follow the law, which the DCAs consistently ignore.....sharks.

Edited by Philip23
Grammer

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quote

 

"I'm surprised however at the Guardian - I'd have suspected this paper would be more on the side of the CAGGERS rather than the Banks etc."

 

To be fair they did include a response from CAG in their article-the comments were much more a reflection of the true picture to that which Maynards gang try to paint.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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hmmm

 

the CSA have spoken to the OFT about us

 

 

hmmm

 

;)


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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just shows they are running scared, if they have to complain to the papers about us


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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What do they think the OFT's going to do? The OFT does nothing at the best of times.

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What do they think the OFT's going to do? The OFT does nothing at the best of times.

 

 

they do realize what the F stands for, right?

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