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    • I have just read the smaller print on their signs. It says that you can pay at the end of your parking session. given that you have ten minutes grace period the 35 seconds could easily have been taken up with walking back to your car, switching on the engine and then driving out. Even in my younger days when I used to regularly exceed speed limits, I doubt I could have done that in 35 seconds even when I  had a TR5.
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FLWLSV v HSBC


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Hi Everyone

 

Edit: I have requested that the the title of this thread be changed to reflect my dealings with HSBC

 

Gosh, there is so much information here ive been reading through, it all seems very daunting but the advice offered by the good members here has persuaded me to try and reclaim miss sold PPI on my partners behalf and this thread is my starting point...deep breath!

 

 

HSBC £2000 loan, not sure of exact dates but it was approx 10 years ago, the bank told my DH that he had to have this loan and PPI to pay back his overdraft as he was out of work at the time

 

MBNA credit card, credit limit £12,000, outstanding balance £0 ... Date started - unsure

 

Nationwide £9,999.75 loan amount, outstanding balance £0 ... Date started - 2008

 

There are no credit reference agencies involved or default notices ect

 

So am i correct in understanding that we need to send a SAR to each institution involved? and if so, do i send the SAR to the bank/companies head office?

 

Thank you for any help in advance

Edited by FLWLSW

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Hi there

 

Starting oint is as you say and yes they go to the head office. They will send it on to appropriate dept. You could head your letters for the attention of the data controller.

 

hope this helps.

 

Might be good to start individual threads as there are a few companies you're going for.

 

ims

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Thank you for the reply, i will make separate threads as you suggested.

 

SAR template downloaded and im making the amendments now. Do i keep this thread updated and start 3 new threads? i dont wish to clutter the forum!

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Maybe use this one for HSBC

 

A mod will probably be able to change the title to something like "FLWLSW v HSBC" Yo can alert the site team and send a message by hitting the black triangle at the top of a post and sending them a message

 

and start a new thread for each of the others.

 

They are going to be interesting ones

 

ims

 

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Thank you for the advice. People here have probably forgot more than il ever know but also i realise there are many people like me who just dont have a clue where to start and im rather hoping my journey will help in some small way to give people confidence to DIY!

 

Il Pm the site helpers and start organising some threads :)

 

 

edit: pm sent, il keep this thread for HSBC and start two more for Nationwide and MBNA

Edited by FLWLSW

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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  • 3 weeks later...

Hi everyone

 

We have had some information back from HSBC and they returned the £10 postal order. They acknowledge receipt of the letter and go on to say that their service center is in the process of " actioning your request in relation to any charges and interest applied to your account by providing you with either copy statements or a report detailing charges, this has been provided free of charge so please find enclosed your postal order"

 

It then goes onto say that *you requested details of the justification and explanation for manual intervention on your account, our system is not structured to provide details of individual members of staff, this should enable you to request a refund of default charges. However if you require any further information about your banking relationship with us please provide me with the full details by completing the attached form and return to the office with the appropriate fee*

 

The form asks for a sample of my partners signature and that any requests for information be done in writing and signed so they can *verify the identity of the person making the request*. The form asks which branch my partner can collect the information from for security reasons.

 

It then asks for the reason for the request and all account numbers with product reference numbers. The above response from HSBC was in relation to the SAR we sent them, it was a template letter downloaded here.

 

There is no mention of my partners 2 loans he had with them.

 

Then a second letter arrived. Its states that * i am writing to follow up your request about bank charges during the last 6 years* - again i sent the SAR template letter. Attached to the letter is statement of fee`s applied to the account for the *period you requested* - again the SAR letter does not state a time limit.

 

Since November 2005 to February 2010, there has been a total of £1998.00 for *unarranged overdraft fee`s*

 

Maybe there is something i am missing here, but does HSBC`s response totally ignore the SAR?

 

Im confused now, any advice would be most appreciated , thank you

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Hi

 

Yes it appears they have ignored the request. (assuming you sent them the correct letter of course)

 

I would write back to them stating in no uncertain terms that you do not need to provide a reason for wanting the information, you want exactly and completely what was requested in the SAR request. Send them back the £10 and demand they comply otherwise you will be lodging a formal complaint with the information commissioner.

 

Also state that failure to comply fully with the SAR under the DPA will result in court proceedings where you will be requesting an order for full disclosure and damages at the courts discretion together with the Judges decision on the actions of their data controller.

 

If they want a signature you can either sign and put crosses through it so it can't be lifted or print name and send a utility bill as proof of ID.

 

They've got a bl**dy cheek in my opinion.

 

ims

 

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Thank you Ims, is there a template letter or something similar i could use? im useless at letter writing.

 

I thought they had ignored the request too,im thinking that they know the SAR template was a template, thus they know im not exactly sure what im doing so perhaps they think they can confuse me or something - make sense?

 

Also is the 40 days to comply rule still apply here?

 

Thank you for your advice , i will follow it as always :)

 

Flick x

Edited by FLWLSW

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Thank you Ims, is there a template letter or something similar i could use? im useless at letter writing.

 

I thought they had ignored the request too,im thinking that they know the SAR template was a template, thus they know im not exactly sure what im doing so perhaps they think they can confuse me or something - make sense?

 

Also is the 40 days to comply rule still apply here?

 

Thank you for your advice , i will follow it as always :)

 

Flick x

 

Hi Flick

 

Give me a short while and I'll write something up for you as I don't believe a template exists for exactly what you want to say.

 

Their 40 days is still runnng from the day they received the subject access request because they are happy to send you statements of fees without signatures so are obviously happy they are corresponding with the right person. If they are not happy then what are they doing sending pesonal information to someone they don't think is the relevant party. This has implications for them under the Data Protection Act.

 

It doesn't matter that you sent a letter from a template provided you adjusted it for your personal circumstances. The request is valid under the DPA and they MUST comply or face the consequences.

 

I think we shall also ask for the name of their data cotroller since if you need to report them or sue then he/she can be named in any complaint. In fact there is a post on the forum I saw recently where a Judge said that if he had the name of the Data Controller for that particular case he would have considered directions imprisonment for the failings to supply information under the DAP! I'll see if I can find the post and give you a link to it.

 

Back shortly

 

ims

 

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Hi Flick

 

Have a look through this and use it as is or amend to your own style.

 

Dear HSBC

Account Number(s) XXXXXXXXXXX

Thank you for your letters dated [Date] and [Date], the contents of which have been noted, together with the return of my postal order in the sum of £10.

Frankly I am astonished that an organisation such as yours is not, apparently, aware of what is required of you in response to a Subject Access Request under the Data Protection Act 1998.

I am also shocked that you seem to believe that the supply of “copy statements or a report detailing charges”, as stated in your letter dated [Date] or the supply of a statement of fees which was enclosed with your letter of [Date] comes anywhere close to providing the information requested in my Subject Access Request.

In your letter dated [Date] you ask me to outline my reasons for the request. I remind you that I am under no obligation to provide reasons and therefore will not be giving such. Suffice it to say that I require information concerning ALL of my dealings with your organisation in any shape or form.

Your letter dated [Date] states that your systems are not structured to provide details of individual members of staff. I confess to being at a loss as to how this affects things. Believe me, I have absolutely zero interest in your individual members of staff and I have not asked anything about them. Naturally I wish them all well but there is no need for you to provide details of them to me.

What I did ask for, and indeed still require, are details of any event in my account history over the entire period of my dealings with your organisation, which has required manual intervention by any member of your staff, or any other person, and where such intervention has taken place, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. It matters not to me whether these records are held on computer, microfiche, slates and chalk or engraved in copper plates with a burin, copies should be provided in accordance with my Subject Access Request.

I also have to point out that my original request requires you to provide ALL and ANY information you hold on me for the entire period of my dealing with you and is not just limited to the account numbers at the head of the request, but applies to ALL accounts I have ever held with your organisation.

So, for the avoidance of doubt, I enclose a copy of my original Subject Access Request which I have signed with an anti tamper device. I have also enclosed the £10 postal order which is the statutory fee required for this Subject Access Request

Again for the avoidance of doubt I enclose a copy of a recent utility bill. This will be sufficient evidence that you are corresponding with the correct person. However I do have to point out that you have already sent me sensitive financial information and I find it difficult to believe you would have done that if you have doubts as to my identity given the implications for a possible breach of the Data Protection Act by you.

There is no requirement for me to complete the form you sent me, the Subject Access Request is quite clear and explicit as to what I require.

Finally, should I not receive ALL of the information I require and which has been properly requested under the Data Protection Act 1998 in the attached Subject Access Request I shall be reporting your organisation together with the name of your Data Controller to the various authorities and reserve the right to take court action to force compliance together with damages at the court’s discretion.

Yours faithfully

FLWLSV

I'll post an anti-tamper device in my next post

ims

 

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You do not have to provide a signature, the ICO has guidelines on the matter;

 

Dear Sir,

 

You have stipulated that you require proof of my identity/signature before you comply with my SAR, may I bring the following to your attention;

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

 

Suffice to say that if the Information Commissioners Office are satisfied that if you have previously corresponded with me at this address then it is reasonable that I am the person I say I am, therefore there is no leglislation nor guidelines that you can hide behind in an attempt to avoid fullfilling my legal request.

 

If you still fail to comply to my legal request, I will have no other option than to complain to the Information Commissioners Office.

 

Yours,

Print name do not sign.

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/checklist_for_handling_requests_for_personal_information.pdf

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=8861&d=1242456802

 

https://www.ico.gov.uk/Global/contact_us.aspx

 

If you wish you can add that you are willing to collect the documents from your local branch whereupon you will provide proof of identity. ;)

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thank you all, il update asap

 

Flick x

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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so update time

 

This letter will be going by registered post tomorrow morning, to both the addresses they sent the letters from - thank you for helping!

 

 

 

To Whom it may Concern,

Thank you for your letters dated 27th May 2011 and 24th May 2011, the contents of which have been noted, together with the return of my postal order in the sum of £10.

 

Frankly I am astonished that an organisation such as yours is not, apparently, aware of what is required of you in response to a Subject access request under the Data Protection Act 1998.

 

I am also shocked that you seem to believe that the supply of “copy statements or a report detailing charges”, as stated in your letter dated 27th May 2011 or the supply of a statement of fees which was enclosed with your letter of 27th May 2011 comes anywhere close to providing the information requested in my Subject access request.

 

In your letter dated 24th May 2011 you ask me to outline my reasons for the request. I remind you that I am under no obligation to provide reasons and therefore will not be giving such. Suffice it to say that I require information concerning ALL of my dealings with your organisation in any shape or form.

 

Your letter dated 24th May 2011 states that your systems are not structured to provide details of individual members of staff. I confess to being at a loss as to how this affects things. Believe me, I have absolutely zero interest in your individual members of staff and I have not asked anything about them. Naturally I wish them all well but there is no need for you to provide details of them to me.

 

What I did ask for, and indeed still require, are details of any event in my account history over the entire period of my dealings with your organisation, which has required manual intervention by any member of your staff, or any other person, and where such intervention has taken place, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. It matters not to me whether these records are held on computer, microfiche, slates and chalk or engraved in copper plates with a burin, copies should be provided in accordance with my Subject Access Request.

 

I also have to point out that my original request requires you to provide ALL and ANY information you hold on me for the entire period of my dealing with you and is not just limited to the account numbers at the head of the request, but applies to ALL accounts I have ever held with your organisation.

 

You have stipulated that you require proof of my identity/signature before you comply with my SAR, may I bring the following to your attention;

 

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

 

Suffice to say that if the Information Commissioners Office are satisfied that if you have previously corresponded with me at this address then it is reasonable that I am the person I say I am, therefore there is no leglislation nor guidelines that you can hide behind in an attempt to avoid fulfilling my legal request.

 

If you still fail to comply with my legal request, I will have no other option than to complain to the Information Commissioners Office.

 

There is no requirement for me to complete the form you sent me, the Subject Access Request is quite clear and explicit as to what I require.

 

Finally, should I not receive ALL of the information I require and which has been properly requested under the Data Protection Act 1998 in the attached Subject Access Request I shall be reporting your organisation together with the name of your Data Controller to the various authorities and reserve the right to take court action to force compliance together with damages at the court’s discretion.

 

Yours faithfully

 

Flick xxx

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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  • 4 weeks later...

No reply as yet from HSBC, time for a reminder? thanks in advance xxx

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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Hi Flick

 

If the 40 days is up do a strong letter to them saying that they are in breach of the Data Protection Act 1980 and that if the information is not received within 7 days you will be putting a formal complaint to the ICO to force compliance. You can also tell them that your other option is to take court action to force compliance and should that prove necessary you will be seeking damages at the court's discretion.

 

ICO can force compliance but no damages, court can force compliance and award damages.

 

ims

 

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thanks Ims, il get onto it and update asap

[COLOR=blue]THAMES CREDIT: STATUTE BARRED LETTER SENT [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]HILLSDEN SECURITIES: CCA REQUESTED [/COLOR][COLOR=red]No reply[/COLOR] [COLOR=#0000ff]ROBINSON WAY: CCA REQUESTED [/COLOR][COLOR=red]In default, 30 days up 6th April[/COLOR] [COLOR=#0000ff]LOWELL: CCA REQUESTED [COLOR=red]In default 30 days up 6th April made offer for F&F - refused [/COLOR] :D [/COLOR]

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