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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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have been offered a partial settlement by MBNA to write off 40% of the debt of a £11,000 debt. They have sent a letter saying paying the 40% will render the accounts as partially settled and that the accounts will be closed. But not sure if MBNA can still sell the accounts to a third party to claim the balance 60%. Also, how damaging is a partial settlement against your credit file?

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i would NOT accept this

 

there is a reason why MBNA have done this, prob no agreement or an enforceable one?

have you CCA'ed them?

typically MBNA don't have enforceable agreements.

 

i would also look at reclaiming unlawful charges & p'haps mis-sold PPI first.

 

they are up to something & when a Co. does this, it nornally means you can get awhole lot more off/reduced by scrathing the surface a bit harder.

 

dx

Edited by dx100uk

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Thread moved. Also it is advisable not to use your actual name on the forums. If this is yours, you can pm me with an alternate and I will change it for you. ;)


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dx100uk. thnkx for creating a new thred and your reply. I did not take out PPI but they did charge me lete fees etc. pls can you explain an unenforceable agreement?. does this mean it cannot be enforced in a County court?. What about the credit file though?, dosent the file get damaged for six years from the last date the debt was acknowledged?. I have acknowledged the debt by paying a holding payment of £200. I got pestered by the collections dept so much that it seemed like the most appropraite thing to do to save any adverese credit rating.

 

would paying 15% of a claimed debt be a win-win for both parties?. that is the Company gets some of their claimed debt, while the debtor keeps creditbitiy of the credit file and does not receive further demands.

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dx100uk. thnkx for creating a new thred and your reply. - wasn't me!

 

I did not take out PPI but they did charge me lete fees etc. - get 'em back +int.

 

pls can you explain an unenforceable agreement?. does this mean it cannot be enforced in a County court?. - yep

 

What about the credit file though?, dosent the file get damaged for six years from the last date the debt was acknowledged?.- yep

I have acknowledged the debt by paying a holding payment of £200. I got pestered by the collections dept so much that it seemed like the most appropraite thing to do to save any adverese credit rating.

 

would paying 15% of a claimed debt be a win-win for both parties?. that is the Company gets some of their claimed debt, while the debtor keeps creditbitiy of the credit file and does not receive further demands.

 

- nope

 

have you cca'ed them

 

if not do so.

 

how old is this debt?

 

give us some history

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well, it's three accounts, one being MBNA card, virgin, and VIP card. they are all MBNA. the mbna card I have had since 2003, virgin card about 2004, and I remeber filling the application form for the VIP card at a music festival in June 2007.

 

I have not CCA's MBNA, manly due to hte concerns about the signature being copied. But I guess, I could follow the posts relating to crosing the signature so it cannot be copied.

 

Just say that there is a valid credit agreement. My question then becomes, what effect would settling for a 15% partial settlement have on me obtaining credit in the future?. I was informed by a advisory centre that any settlement must be in writing, and after much discussion with MBNA, they agreed to send me a letter saying paying an amount with relation to the three accounts will satisy all the accounts and that they would then be closed. Nothing mentioned about MBNA not selling them to a DCA. Althout the letter does state that not paying the holding payments can mean the dept CAN be sold to a DCA, who wil persue reclaiming the Debt. SO it is implied (although not explcitly) that only if the holding payment and subsequent remainder partial payment is NOT paid that the debt will be sold on.

 

Maybe MBNA will have to issue a letter saying paying X amount will satisfy hte account(s) in full and that there will be no accounts sold off to DCA's. But then may be this is obvious, when they say "accounts will be closed". i.e. if an account is closed, there is nothing left to be sold on!.

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no cca = no pay!

if they turn out to be unenforceable, then a lower FnF would be in order.

up to you.

 

pers i think i might write back wishing to confirm that no further collection activities by themnor their agents would ever occur in the future.

 

pers i'd get that in writing , then do some reclaiming to get the bals down further, then pay the closing figure if they agree no further collection & a revised figure after the reclaims.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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how bad is a partial settlement registered on a persons credit file?. I will press for a f&f settlement in writing, but say they do not agree to this. would a partial settlement sit somewhere between a default and an account conducted satisfactorily when it comes to obtaining credit in the future?.

 

what I mean is, then it becomes a trade-off whether to persist with the partial settlement route or persue the creditor for the reclaiming interest and charges.

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