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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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Does anyone have a definitive list of what legislation/guidelines a lender would be in breach of if they continued to demand payments and add interest when a credit card account that was in legal dispute?

 

I have a couple of cards that I've put into dispute as the OC has admitted they can't find the agreement. I have no issues continuing to pay towards the account (call me old fashioned - and concerned for my credit rating) but I object to paying interest while the dispute is ongoing and I am ultimately prepared not to pay to get them to listen.

 

I'm aware of the OFT Guidelines, specifically:

 

Section 1.1

...failed to comply with the requirements of credit or other consumer regulation

 

Section 2.1

It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner

 

Section2.4 - Examples of unfair practices are as follows:

b. falsely implying or stating that action can or will be taken when it legally cannot

 

Section 2.6 - Examples of unfair practices are as follows:

h. ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

i. disclosing or threatening to disclose debt details to third parties unless legally entitled to do so

 

2.8 - Examples of unfair practices are as follows:

f. passing on debtor details to debt management companies without the debtors' informed prior consent

i. failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

 

but would appreciate any help with other legislation they would be in breach of.

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Does anyone have a definitive list of what legislation/guidelines a lender would be in breach of if they continued to demand payments and add interest when a credit card account that was in legal dispute?

 

I have a couple of cards that I've put into dispute as the OC has admitted they can't find the agreement. I have no issues continuing to pay towards the account (call me old fashioned - and concerned for my credit rating) but I object to paying interest while the dispute is ongoing and I am ultimately prepared not to pay to get them to listen.

 

I'm aware of the OFT Guidelines, specifically:

 

Section 1.1

...failed to comply with the requirements of credit or other consumer regulation

 

Section 2.1

It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner

 

Section2.4 - Examples of unfair practices are as follows:

b. falsely implying or stating that action can or will be taken when it legally cannot

 

Section 2.6 - Examples of unfair practices are as follows:

h. ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

i. disclosing or threatening to disclose debt details to third parties unless legally entitled to do so

 

2.8 - Examples of unfair practices are as follows:

f. passing on debtor details to debt management companies without the debtors' informed prior consent

i. failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

 

but would appreciate any help with other legislation they would be in breach of.

 

Hi,

 

If the disputes related to failure to satisfy a s77-78 request you could try arguing that chasing payment constitutes 'enforcement' and thus in breach of CCA. The recent MCGuff case disagreed with this, but it appears that the OFT has taken a different view in their draft guidance.

 

Also, Banking Code http://www.bba.org.uk/content/1/c6/01/30/85/Banking_Code_2008.pdf

 

In particular section 13.6

 

'We will share info with CRAs as long as the amount owed is not disputed'

 

Being as youve disputed the interest being charged it appears that you are disputing the amount owed.

 

I been waiting for months to hear from the ICO on this.

Edited by haggis1984
Argh grammar

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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