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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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boona

Sister in housing benefit fraud - advice needed

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Any advice please, my sister was claiming housing benefit for a property, she then moved out and claimed housing benefit for a different property but she DIDNT cancel the previous properties housing benefit so it continued being payed into the bank account - which she spent!

 

This has been happening since Sep. I told her to cancel it but she wouldnt listen. She has now recieved a letter for an interview in January for benefit fraud, she will be admitting the truth, but what will they do?

 

She probably owes around £1200.

 

 

She has a son who is 3yrs.

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If she knowingly collected and spent the money, then she'll have to face the consequences because HB will have proof of where the money's been going and will want it back.

 

Whether it goes to court or not may depend upon how they choose to pursue her and how co-operative she is.

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Yes she did knowingly collect and spend the money, I am worried because she has a 3year old.

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Even if it did go to court (which at that level of o/p is unlikley, especially if she admits the offence) she would not go to prison on a first offence especially as she has a 3 year old.


Please do not ask me for advice via PM as I will not reply.

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Thanks Shoelover, would they stop all her benefits? Because if that was the case she would loose her house.

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As long as her circumstances have not changed in the sense that she is still entitled to benefits, she will not lose her benefit, but they can rmake deductions to her benefit to reimburse them for the overpayment. She will have to pay it back, there is no doubt about that.

 

Whether she would go to court is something for the authorities to consider. As Shoelover has pointed out, this is unlikely if she admits the offence of her own accord, and she has no history of fraud.

 

Whether she would go to prison would be a decision that only a court could take if it got that far - again though, given the sum of the overpayment, and provided she has no previous history of fraud (or other criminal convictions) prison is highly unlikely. Prison is a last resort. Contrary to popular belief, the court can impose a prison sentence on people who have children and who have committed low level fraud, but again as Shoelover has expressed, this would only likely be considered where there were other factors to consider such as previous convictions, for example. Taking the OP at face value, court, let alone prison is not something your sister should be concerned about if she admits to it now.


My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

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Thankyou, she has not got any previous convictions.

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