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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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brucie32

need to clear bank overdraft quickly

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i need help to clear an overdraft of £1950, this is the only debt i have, i dont possess credit cards or the likes and dont want to either, all i have is the bank account, which is with Halifax, a current account, i got paid off in april and got a redundancy payment, which was ok and paid a few bills, now i have eaten into my overdraft to the limit which i stated above. the problem i face is that the hfx are now introducing these new charges and i am definitely not going to be able to keep up and i am panicking, i have my house on the market at the minute as i cannot afford to keep it, at this time im not having much luck getting it sold, i have no affordable income and i am sick to the stomach with worry and stress, i need someone to help me find a way clear of my overdraft so i can live of what small income i have without the worry of where i am finding the next few pounds from

so i am asking please if someone could help me find a very quick solution i would be more than greatful

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Hi brucie32,

 

My advice to U would be to open another 'parachute' current account elsewhere + see if it is possible to also switch your present O/D to this account, if it had less running costs.

Failing that, at least the Halifax wouldn't have 1st claims on any Benefits etc that were credited to U during your time of financial distress.

An O/D is repayable on demand (...although they should give U at least 1 months notice if they required U to repay it in full), so be prepared for the worst case scenario.

 

At the end of the day though, if U can't afford to pay it off, U can't afford to pay it off, so there's no point in beating yourself up about it.

Concentrate on minimising the long term collateral damage, for when there are good times ahead for U again, which there surely will be...

 

Managing Debt

 

National Debtline England & Wales | Debt Advice

 

My debts are getting out of control and I can?t possibly pay them all. What can I do?

 

 

:)


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Hi

 

I agree with MilkTrayMan, however, another way would be to draw up and income and expenditure for yourself to see how much money you have left at the end of the mont. You could then focus on clearing this overdraft with your disposable income. It would definately be worth asking about changing accounts though, and opening another, not linked with HFC who's od fees are less

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