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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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Surfer01

FAO Erika-Housing benefit when living in a touring caravan

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We are not travellers but a couple that are battling to keep our heads above water. At present we get housing and council tax benefits for the flat that we live in but it does not cover all the rent or council tax.

Like most people we have debts that we are battling to pay off since I was made redundant and although we have a DMP with CCCs we are now just existing and not living.

We have a very large modern twin axle caravan with plenty of dual heating and have found a site where we can pitch it for 11 months of the year and as it is regarded as temporary accommodation, we are not charged council tax which is saving over £100 per month on that alone never mind utility costs.

We would like to know if we can still claim housing benefits to cover part of the rent until I can find gainful employment? The concern is that the site owner may not be too willing to state what he charges us per month in writing, but we would have a receipt for the payment of the rent. On presentation of the receipt, would you be able to use this to claim your housing benefit?

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Yes, site charges for caravans can be covered by HB. Not sure if they would accept a receipt as proof though. Usually they would want to see some sort of contract just as they want to see a tenancy agreement if you are renting privately.

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Unfortunately caravan sites don't have any form of contract and will probably not agree to one anyway because you are not really permanent. The last thing we want to do is upset the caravan park owner who then asks us to move on which is why I suggested the receipt route. Bit complicated but if we can get HB it solves a lot of problems.

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You can receive housing benefit in respect of site fees even when you own the caravan, but as with any rental agreement, you would need to prove that the agreement for the site rental is on a commercial basis to qualify for housing benefit, and a receipt would not likely suffice for this.


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We would be renting the pitch from the owner of the caravan site. The caravan is a touring caravan and not a static caravan. We would be on site for 11 months and then we would have to move off for one month. We are trying to work out that in the event my ESA/JSA contribution stops whether we are better off living in the caravan or in our present flat. The big difference is council tax an dutilities. I have used various benefit calculators and between the two in benefits not much difference, but in caravan more cash left over at the end of the month. Hard decision!

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