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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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lee79

Having some problems with Wage Day Advance

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My wife took out a PDL with these guys for £185.00 in November of last year. After 3 payments of the minimum payment she realised that she could not afford it and around March of this year emailed them to say she is cancelling her DD and wanted to some to some sort of arrangement.

 

She called them in March as she was having no luck with the emails (they kept pestering her for proof she could not afford it) and came to an arrangement to pay £73.73 over 4 months starting 20th March. She received email confirmation of this on the 23rd March.

 

On the 23rd March a card payment was also taken for £12.00 and £59.00. We assumed this was the first payment and although it was about £2 short we assumed it was done in a rush and we would owe £2.75 after the last payment scheduled on 20th June 2012.

 

However, they tried to set up another DD this month which we cancelled and have contacted my wife claiming that March's payment did not go through so we owe one more payment.

 

I've asked them to confirm what the payments were for in March and I think they are going to say it is a card payment because of the cancelled DD.

 

However, my wife came to this agreement before this date and they still took out the money regardless. Like idiots we didn't query it as we just assumed it was the 1st payment to the repayment plan.

 

What should we do?

 

Thanks, Lee.

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Check your bank statements and make sure the transaction actually went through and wasnt pending and fell off.

 

If the transaction is there in black and white, let us know and we can write a letter template for you to send these muppets. Don't worry about what they might say. Stay off the phone and deal in writing only. IF they refuse to answer emails, thats their problem not yours. If you continually contact them like you have been doing, they will think they are on to a gullible debtor and a potential cash cow.

 

What we'll need to do in the letter is file a complaint, and also add that their permission to debit the account and use any associated DD's is now revoked. A copy of the letter can go to your bank to ensure no money is taken out by them again.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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What in simple terms has she paid towards the loan? What do they say is outstanding?

 

Jogs

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I think she only emailed then about 2 times and then phoned once.

 

The problem is though no amount for the agreed amount (£73.75)went through in March as they said it would. But the 2 amounts, one for £12 and another for £59.00 did. So, it seems that they ignored my wife when she said that she was cancelling the DD and took this amount after the payment plan was agreed.

 

So, if all had gone ahead then (bearing in mind we could not afford the £59.00) we would have paid out £12.00, £59.00 and £73.75 in the same month to these people.

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@havinastella (forgot to reply with quote)

 

In total she has paid £469.25 for a £185.00 loan. Thy claim that one more payment is outstanding for £73.75 that did not go through in March (which is what we mistook the £12 and £59 to be which they took after the agreement was confirmed and on the same day we got the agreement via email).

 

Thanks - Lee

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Seems like youve been "cash cowed" to be honest. Do NOT pay them anything else.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Remember any advise I give is not legally binding. I would tell this company to Foxtrot Oscar. Forget there stupid carry over clauses.

 

I would be writing to them, saying, I have paid xxxx towards xxxx loan.

 

Although I agreed to your t&c's I believe that they are unfair.

 

Please be advised that I shall not be paying anything more and I require confirmation that this agreement is fulfilled.

 

Any legal proceedings shall be defended that may incur costs to yourselves.

 

 

 

OR something similar.

 

 

This is what I would do, you have the option to do whatever you choose!

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Remember any advise I give is not legally binding. I would tell this company to Foxtrot Oscar. Forget there stupid carry over clauses.

 

I would be writing to them, saying, I have paid xxxx towards xxxx loan.

 

Although I agreed to your t&c's I believe that they are unfair.

 

Please be advised that I shall not be paying anything more and I require confirmation that this agreement is fulfilled.

 

Any legal proceedings shall be defended that mau incur costs to yourselves.

 

 

 

OR something similar.

 

 

This is what I would do, you have the option to do whatever you choose!

 

Sounds good :) This is pretty much what I'm going to do. I just like to have as many facts as I can to hand so they don't assume I have no idea and am an easy target.

 

At the end of the day my wife came to an arrangement with them. They agreed to this but tried taking one more 'regular' payment after this agreement was agreed by card payment. As far as I'm concerned as this 'regular' payment was after the agreement then it is meant to be part of the 4 month agreement. They even had the cheek to add some sort of arrangement fee into the payments as well like they haven't had enough in total.

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Thats what they do. Youve been cashcowed. They knew that youd pay them, so theyre adding on whatever fictitious charges/fee's they can think of.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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So I've put a formal complaint through as the person I'm emailing has changed his story mid way through from the DD failing in March to it actually being set up for April. One minute he claims that it was set up for March but failed and then my wife phoned and it was agreed to restart it from April. That would have involved 2 calls. However, my wife called once and now in this one call he says that it was set up for April from the beginning.

 

Is it perfectly ok for me to complain to the OFT or Trading Standards as well whilst waiting a reply as I've seen in some threads people have said go straight to the organisations named?

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Yes. Complain LOUDLY.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Cheers Renegadeimp, just didn't want them to say I have to wait until the PDL got back to me.

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Thats just the FOS who says that. OFT are the ones who decide who has a license and who doesnt. Thats why its vitally important anyone who has a problem with a lender needs to start official complaints.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just a quick update in that WDA have completed their investigation of my complaint and have decided not to pursue the rest of the balance :)

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Congrats.

 

Now, did they say they will simply stop pursuing, or did they say the debt is not finished and your account is closed?

 

Big difference there as the former means only the PDL will stop coming after you but they could easily sell the debt on to someone else.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Congrats.

 

Now, did they say they will simply stop pursuing, or did they say the debt is not finished and your account is closed?

 

Big difference there as the former means only the PDL will stop coming after you but they could easily sell the debt on to someone else.

 

Yeah - they said that the account will be closed and we'll definitely be keeping hold of all correspondence to that effect somewhere safe :)

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Make sure you get them to say that the debt will not be sold on to any third party or representative. That statement is key.

 

Otherwise they can simply sell the debt on, and say " we said we will close the account, not that we would wipe the debt."


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just a quick update in that WDA have completed their investigation of my complaint and have decided not to pursue the rest of the balance :)

 

What a suprise.

 

Thanks for updating the thread.

 

Jogs

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This is a the bit from the email

 

'After careful consideration in effort to draw a line under the matter it has been decided that the remaining balance of £73.75 will be written off and the account closed. '

 

Hope this helps and thanks for the replies :)

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Congrats again!


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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