Jump to content


  • Tweets

  • Posts

    • 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

Sign in to follow this  
ukaviator

Battle against bank charges not over yet

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3631 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Millions of consumers were dealt a crushing blow last week when the Supreme Court ruled in favour of the banks in the legal battle between the Office of Fair Trading (OFT) and eight high street banking institutions over the issue of unfair charges. The UK's banks will have breathed a collective sigh of relief when the Court ruled that unarranged overdraft charges are not governed by fairness, under Regulation 6 of the Unfair Terms in Consumer Contracts Regulation of 1999 (UTCCR). With no legal leg to stand on, the OFT will struggle to continue in its separate investigation into the issue. Consumers are still free to pursue banks through the courts themselves, but with the OFT thwarted, any chance of success is, in effect, destroyed and hopes for remuneration of as much as £20bn in overdraft fees have been dashed.

 

"Not only does this give banks licence to charge what they like for unauthorised overdrafts, but it could have ramifications for other areas of personal finance," says Peter Vicary-Smith, the chief executive of consumer group Which?. However, despite the obvious setback, consumers are being told there could be some light at the end of the tunnel. Political pressure on the banks is still firm with Liberal Democrat leader Nick Clegg responding to the ruling by demanding changes to the law. "Regardless of the legal position, it simply isn't right that someone on a low income should pay £25 or more to their bank just because they're overdrawn by a pound or two," he says. "The only way to protect millions of customers from being ripped off by their banks is to change the law."

 

More importantly, in the Supreme Court's judgment itself there were hints of a window of opportunity for the OFT to pursue the case further. Although all five Justices decreed that the charges cannot be assessed for fairness under Regulation 6 of the UTCCR, they said that there may be scope for the OFT to assess them on other grounds, notably under Regulation 5.

 

This regulation states that a contract can be regarded as unfair if it has not been "individually negotiated" and goes on to cause a "significant imbalance in the parties' rights and obligations arising under the contract". This means there is a chance that the OFT could use this clause to reignite its legal case against the banks because it does seem to offer some protection against costs which are disproportionately imposed on overdrawn customers to pay for an otherwise free banking system for everyone else. "I don't think this has finished at all. All those people with their claims stacked up on hold shouldn't give up hope yet," says Mr Gander.

 

More:

 

Battle against bank charges not over yet - Spend & Save , Money - The Independent


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

Share this post


Link to post
Share on other sites
Sign in to follow this  

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...