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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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Hi Guys,

 

I am having debt problems and have buried my head in the sand for some time. I now have a child on the way and would like to settle down and start sorting out my finances and debts.

 

I have at least 3 debt collection letters a week and its starting to get me down. Would love to start sorting it all out and paying these guys back. I want to be a good father and give my child a good life.

 

Right!

 

I have debt collection letters from 2 credit cards, an unpaid phone bill, couple of bank overdrafts and loans and a couple of gas/electric bills that have been unpaid.

 

I know its my fault and I am stupid for letting it go on for so long. I guess I was just hoping they would go away (Which of course they wont.)

 

A few of the debts are a few years old and some are more recent. I keep getting letters threatening legal action and door step collectors but nothing has ever come of anything.

 

How do I start trying to sort this out?

 

Do I have to send CCAs or something to these companies.

 

Please help me!

 

Many Thanks.x

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OK the TWO most important debts you have are the Utility bills, who is your gas & leccy with??


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK the TWO most important debts you have are the Utility bills, who is your gas & leccy with??

 

Thanks for the quick response.

 

 

They are old ones to be honest so dont use them providers no more as we have moved and have a gas and electric meter.

 

They found my new address somehow!

 

EDF and another one which im not sure of. Will check when I get in.

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OK, In a bit of a rush, but will need to check later if the 12month limitation applies to your circumstances or not, has there been a 12 month gap/period where they have not been asking you to pay this amount at all?

And is it still the utility companies asking for payment or have they farmed them out to a debt collector??

 

Don't worry about anyone knocking on your door to take money off you, they have "NO" legal right to anything not even a welcoming 'Hello'

Print this off and keep it by the door, and read the advice given.

DOORSTEP COLLECTOR

 

If you do receive a doorstep visit we give these suggestions to Members.

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumerforums.com/resour...ep-visit-.html

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

What are the other debts, and who is chasing what?

 

How old is each one, roughly, and what is the state of the accounts, have you received default notices, or Terminations, or just empty threats that you will have to sell your unborn and a kidney??;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, In a bit of a rush, but will need to check later if the 12month limitation applies to your circumstances or not, has there been a 12 month gap/period where they have not been asking you to pay this amount at all?

And is it still the utility companies asking for payment or have they farmed them out to a debt collector??

 

Don't worry about anyone knocking on your door to take money off you, they have "NO" legal right to anything not even a welcoming 'Hello'

Print this off and keep it by the door, and read the advice given.

DOORSTEP COLLECTOR

 

 

 

What are the other debts, and who is chasing what?

 

How old is each one, roughly, and what is the state of the accounts, have you received default notices, or Terminations, or just empty threats that you will have to sell your unborn and a kidney??;)

 

Both utility bills have been passed onto debt collectors. I have moved twice since one of the bills so probably over a year old. The other one is from my last address so left there about 7 or 8 months ago.

 

I have never recieved any default notices or termination notices for anything. They have all just passed the debts onto debt collectors.

 

This is roughly what I have. Will post more details when i get in

 

Black horse (passed onto debt collector) 3 years old.

 

Halifax credit card (Passed onto debt collector) 2 years old

 

Barclays bank (Passed onto debt collector) 2 years old

 

02 phone bill (passed on) 1 year old.

 

Capital one (Passed on) 1 year old

 

Littlewoods (Passed on) 1 year old

 

They are not massive amounts to be honest. All under £1000 each. Some for a couple of hundred. Just want them sorted out.

 

Thanks so much for your help. Making it easier for me!

 

Utility bills (passed on) EDF and Scottish Southern I think? about £300 each.

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Just before I pop out and go the gym (cleaning:D)

The Loan and credit cards (CC) if they are pre 2007 send them a CCA request (consumer credit agreement)

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

For the Loan it is s77, and for the CC's it is s78, just edit to suit, are they both with the same bank?

Are you still banking with them?

 

Bank Overdrafts are slightly different as they come under a different section of the CCA.

 

Do you still have a landline with the same provider that you have a debt with?

Have you been getting correspondence from S C Gray??

 

Ok, most importantly is to NEVER EVER EVER EVER SPEAK TO THEM OVER THE PHONE! EVER""

 

Keep everything in writing, and this will be your paper trail of evidence should you require it.

All correspondence you send them, must be sent via recorded delivery, again this will be your paper trail of evidence.

 

Any contact you now have with any of them regarding outstanding 'alleged' debts you must keep a record of and a diary of events.

 

So don't speak to them over the phone, they will only grunt at you, keep everything in writing, PRINT YOUR NAME never sign your letters.

And everything recorded delivery.

 

Laters

 

Boo;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Cleaning??! Thought you were going for a good old workout. Cleaning is probably more of a workout than I would do at the gym!

 

Thanks for your help. I dont bank with the same bank anymore. Will send a CCA off to the credit card and loan companies.

 

What should I do about the utility bills and mobile phone bills? Write to the debt collector?

 

Thanks again.

 

P.S I dont have a landline.

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Will be back on a little later..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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