Jump to content


  • Tweets

  • Posts

    • 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 
  • Our picks

RW Fugitive

Aktiv Kapital chasing 7yrs old Sainsbury 'bank debt'

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2166 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi guys,

 

These morons are chasing me for a alleged debt from 7 years ago, that is SB'd now

and has never had a CCJ against it.

 

I've sent them the SB letter from the templates on here by recorded delivery and they've signed for it yesterday.

 

What do you think their next move will be?

 

Will they just give up now or are they likely to keep asking for this alleged debt?

 

also will this affect my credit file now? :???:

 

Thanks :)

Share this post


Link to post
Share on other sites

Two options normally Confirm SB status in writting or

totally ignore you and sell the debt to another mug:madgrin:


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites
Two options normally Confirm SB status in writting or

totally ignore you and sell the debt to another mug:madgrin:

 

Cheers... sounds about right about the reselling :D

 

Are they likely to add anything to my credit file?

Share this post


Link to post
Share on other sites

Are they likely to add anything to my credit file?

 

When I sent Aktiv Kapital the SB'd letter,

I received a letter in return stating that the debt is statute barred and they are closing their files,

I have not heard anything from anyother Company since.

 

Aktiv Kapital did do a search of my credit file and it is shown on my credit report.

 

Stigman

  • Confused 1

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Share this post


Link to post
Share on other sites

What is there now?

If it is over 6 years from the default date it's

already off your files, you cannot be be defaulted

twice for the same debt.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites
When I sent Aktiv Kapital the SB'd letter, I received a letter in return stating that the debt is statute barred and they are closing their files, I have not heard anything from anyother Company since.

 

Aktiv Kapital did do a search of my credit file and it is shown on my credit report.

 

Stigman

 

thanks :)

Share this post


Link to post
Share on other sites
What is there now?

If it is over 6 years from the default date it's

already off your files, you cannot be be defaulted

twice for the same debt.

 

thanks... it is clear at the moment. I'm guessing their search means nothing then?

Share this post


Link to post
Share on other sites

There is now in the October 2011 OFT Guidance

a section regarding the ''sale'' of statute barred debt

without notifying the purchaser of the status of the debt,

I rather suspect from the cases I'm seeking that many

debt purchase companies are attempting to recover

as much old debt as possible at this time.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites
There is now in the October 2011 OFT Guidance

a section regarding the ''sale'' of statute barred debt

without notifying the purchaser of the status of the debt,

I rather suspect from the cases I'm seeing that many

debt purchase companies are attempting to recover

as much old debt as possible at this time.

 

The bottom feeders are out in force at the moment :-x

Share this post


Link to post
Share on other sites

They have sent a letter today saying they can't see any reason why I shouldn't pay them LOL

but they'd like to offer me a special deal to as F&F on the account.

 

It's about 20% of the orginal alleged debt LOL. :-D

 

:cheer2:

 

But you've guessed it... they are getting NOTHING from me ;)

Share this post


Link to post
Share on other sites

Did you send Aktiv Kapital the Statute Barred letter?

 

If not, they will keep sending out letters, i.e. Discount Settlement, CCJ threats and so on.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Share this post


Link to post
Share on other sites
Did you send Aktiv Kapital the Statute Barred letter?

 

If not, they will keep sending out letters, i.e. Discount Settlement, CCJ threats and so on.

 

Stigman

 

Yeah, I sent it by recorded/signed for delivery. I guess this is their last attempt to get a payment out of me?

Share this post


Link to post
Share on other sites
Yeah, I sent it by recorded/signed for delivery. I guess this is their last attempt to get a payment out of me?

 

Confirm with the Royal Mail website (unless you done so already) to make sure that the letter has been received and that the letter you recently got could not have crossed over in the post.

 

Make official complaints to both the OFT and Trading Standards via Consumer Direct.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Share this post


Link to post
Share on other sites
Confirm with the Royal Mail website (unless you done so already) to make sure that the letter has been received and that the letter you recently got could not have crossed over in the post.

 

Make official complaints to both the OFT and Trading Standards via Consumer Direct.

 

Stigman

 

Looks like theres a small chance it crossed in the post by 2 days (was signed for)? Best to wait to see their next move?

Share this post


Link to post
Share on other sites

As most DCA's use 2nd class post via TNT, give them until after the Bank Holidays.

 

Just keep the letters for reference.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Share this post


Link to post
Share on other sites
As most DCA's use 2nd class post via TNT, give them until after the Bank Holidays.

 

Just keep the letters for reference.

 

Stigman

 

will do, cheers :)

Share this post


Link to post
Share on other sites

The letters would have crossed because of the us of

bulk mailing systems.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

BCW have been chasing a SB debt of Akitiv Kapital for a few months,

I'd already told AK last year (april) that it was SB and that I wouldn't be paying,

they ignored me and sent a few letters, but went quiet for a bit.

 

Now after complaining and telling BCW it was SB,

 

I've received a letter "Refuting" my claims. It shows a "payment" made in November 2012 of £40. Which I never made!!! :-x

 

The account was SB in April 2012, so how they think phantom payment this makes it un-barred I'll never know.

 

What should i do? BCW said they are continuing collection on the alleged debt and AK say I've made 1 payment last year that i didn't make!!! :-x

 

Who is best to complain to as BCW said there letter was there "final decision" on the matter!!!??? :!:

Share this post


Link to post
Share on other sites

Ok there is a pattern of these 'mystery' payments so I will draft a letter for you a little later.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

final decision

they are a powerless DCA

 

time you ignored these muppets

or ask them to PROVE

from where

by whom

and the METHOD of payment

 

I BET they comeback and say it was by a giro cash slip.

 

usual 'trick'

 

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 

 

Share this post


Link to post
Share on other sites
final decision

they are a powerless DCA

 

time you ignored these muppets

or ask them to PROVE

from where

by whom

and the METHOD of payment

 

I BET they comeback and say it was by a giro cash slip.

 

usual 'trick'

 

dx

 

Yeah, it says it was paid at a Lloyds ??? I've never been in a Lloyds!! LOL

Share this post


Link to post
Share on other sites

I'll step back as dx is helping you.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

then you need to demand they send you a copy of the payment giro slip

 

dx

  • Confused 1

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 

 

Share this post


Link to post
Share on other sites
then you need to demand they send you a copy of the payment giro slip

 

dx

 

Cheers, will do. Is it worth making a complaint to the Financial Ombudsman too? I was thinking Trading Standards too?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...