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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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Studio account & PPI

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I need some advice for my other half......


He has an account with Studio, hadnt used the account in over 2 years. Balance was at zero. He decided to order some bits for xmas and pay off straight away. Anyway...first statement arrives in November and shows a charge for PPI.....which he doesnt not ever remember requesting as when he stated using the catalogue years ago he was self-employed and was ineligible.. He emailed them on 8th Nov (I personally would have written but....) stating

"I am contacting you regarding my recent statement recieved from you.


It shows a charge for payment protection. At no point have I requested payment protection on this account and am ineligible for payment protection cover.

Please ensure that the charge on the recent statement for this is removed and the amount credited to my account.

Please also ensure that any previous charges for payment protection on my account are refunded.

I look forward to hearing from you. "


They replied to him by email yest stating

"We have now had the opportunity to fully investigate the claims that you make in your communication regarding Payment Protection plus Property. We do not uphold the complaint that you have made for the reasons detailed below. Attached is a copy of our complaints handling procedures for your information.


This policy was selected via a tick box on an order form when a written order was submitted on 27 September 2001. A copy of the terms and conditions is sent by post, detailing the cancellation rights, along with a welcome letter asking for the documents to be read carefully. As such it is up to the individual to determine whether the policy is suitable for their needs.


Your account has been covered by the benefits of the policy since 27 September 2001 therefore we are unable to refund any backdated charges. However, as a gesture of goodwill I have arranged for a refund of £5.50 to be credited to your account in respect of the last premium charged. I can confirm that the policy has been cancelled and no further premium charges will be incurred.


If you are dissatisfied with this response to your complaint you may be able to refer your complaint to The Financial Ombudsman Service. If you decide that you wish to refer your complaint to The Financial Ombudsman Service you will need to do so within 6 months of the date of this letter. A link to a leaflet detailing The Financial Ombudsman Service is enclosed for your reference: your complaint and the ombudsman - our consumer leaflet. However, as this policy was sold before the FSA General Insurance regulations came into force we believe that this falls outside the Ombudsman’s jurisdiction."

What can we do next........he doesnt remember ticking a box back in 2001. Shall we ask for proof or argue the point in some way??

Any help will be greatly appreciated!!

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They have given you the green light to go to the FOS if you want to but I would suggest you either CCA them:




If they have a copy of your agreement, they might send it but as it is an old account, I doubt whether they will have it.


The better way is to SAR them: Ok, it costs a tenner but if it gets you back your payments then it's a tenner well spent. If you have moved house between the first order and now it would be worth sending proof of identity as well as some companies will delay sending the data due to that. I would also put a couple of lines through your signature to stop it being lifted (just me being paranoid)

Send the request by recorded delivery and make sure you track it via the Royal Mail website




They make reference to an order made in 2001 so they must have seen it to make that comment. You want to see it too.

You will also get back all your statements (hopefully) and you can work out how much PPI has been taken.


You will need to edit the SAR to suit your particular needs.


While waiting for the SAR to come back, I would write back to them refusing their oh so generous offer :rolleyes: and tell them that you have sent the request in for your data and that you won't be going to the FOS as yet, then drop the bombshell about your OH being self employed at the time and knew that PPi would not pay out.



Hope that helps.



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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Hi, Am currently waiting for the info form the SAR. But other half paid last months bill a day late grrrrrr anyway they have charged a defualt charge of £20. Can he appeal against the £20...Im all confused as to what we can/cant claim these days! Thanks in advance for any advice!

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