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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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A&L joint account problems

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Several years ago I took out a joint bank account with A&L with my then partner (for bill payments).

 

When the relationship ended I tried to close the account but A&L would only do so with my ex partner consent. She refused.

 

I was approached by the bank some time ago stating that they wanted me to take the account on as a sole holder. I refused as I could see that my ex had in fact drawn money from the account and thereby made it overdrawn.

 

Am I to believe that we are (particularly me ) joint responsible for this account.

 

I am concerned that I will be held as sole responsible for this account due to the approach the bank had made to me regarding converting into a sole account.

 

Any advice !

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Hi,

 

There's no way they can make you sole responsible for the account.

 

I know it's a bit late now but you'd have been better telling A&L you wanted to have nothing to do with the account after you split, though I'm not sure how easy that would have been, had there been a minus balance on it.

 

I'm really not too clued up on joint accounts, so not sure what your options are.

 

Regards.

 

Scott.


 
 

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Thankyou Scot.

 

I did try telling them that and also wanted to close the account. A&L refused to carry out my wish without a form signed by both party's involved. I signed my half but my ex refused.

 

Later on when she put the account into red she then tried to put the account over into my sole name, stating that this is what I wanted to do earlier in the year (with the signed form).

 

However when I found out that the account was in the red I explained to the bank that I would not take this debt on.

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If this was happening to me, I'd probably run it by the Citizen's Advice Bureau just to see where I stand.

 

Wouldn't like a black mark against me or debt collection out to squeeze me if it wasn't my fault.

 

I'd probably also have a look at my experian report - cost £2 last time I looked - to check there was nothing on there already because of the o/d account.

 

Good luck dude!

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Experian report is all clear.

The only mark is an address link with my ex girlfriend and that it exists due to the A&L joint account.

Im trying to work out what their charges would be. All I can find is £5/month.

Also received a call from the A&L yesterday on my mobile. They would not disclose any details unless I verified my name dob and address.

I told them that I do not give such information over the phone.

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