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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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hi everyone well looks like im not the only person who got a visit from a rosendales baliff today but what happened with us was wen had moved in june n owed money from the previous year so had 3 bills i rang council after getting a letter from rosendales and the lady i spoke to said there were 2 outstanding i was sent forms set up standing orders for weekly payments i done this on 24/08/2012 and on de same day recieved another letter from rosendales just pressumed it was for 1 of the 2 i had sorted wasnt actually aware there was 3 till today wen i got an unwelcome knock my 2 year old ran out in front of me and opened the door so i gad no choice but to talk he anded me a piece of paper with my partners name on it sayin 24hrs notice before returning for £1004.31 or goods to that amount if i had that sort of money laying around i obviously wouldnt be owing on my council tax ha my partner rang him n told him we were paying it by the week baliff said he would ring council to find out rang back and thats when we found out there actually was another bill we wern't aware of n said to my partner ill be back tomorrow for money or goods and hung up im now panicking as ive got a 2yo and 9mnt old n not working i rang the council they said if its not paid tomorrow it eventually comes back to them but she doesnt know how long that takes do i just take the kids out for the day tomorrow n hope he doesnt knock when i get back or can he keep calling everyday i really dont know what to do about this n dont want to be telling a 2 yo to be quiet and hid everytime someone knocks :sad:any advice would be greatly appreciated

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Bailiffs rely on fear and intimidation

 

if the bailiff returns you do not have to answer the door to him he cannot break in kidnap the dog and take the cat

 

he has no right of entry he cannot break in keep doors and windows secure (its too cold to have them open anyway!)

 

deny him a levy hide car away anything of value in garden hide away

 

making payments direct to the council is the way forwards as you do not have to pay the bailiffs

 

eventually bailiffs will hand the case back to the council if you don't play ball with them

 

get on to council and find out how many liability orders they have


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thank you i hate baliffs, can he go into the garden shed the lawnmower n lil lads bike and some toys are in there or can he not touch until ive agreed with it?? if i go onto the council website now and make a payment would that go in my favour the council has said we owe less than 600 but baliffs has it at jus over 1000 its so frustrating:mad2:

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do not agree with anything the bailiffs come out with do not let them have any levy

 

they do NOT need to come into your house at all not to use the toilet or any excuse he may come out with

 

Bailiffs like to charge made up fees they should be with no levy £24.50 first visit £18.00 second visit nothing more without a levy

 

bypass the bailiffs

 

sounds like a formal complaint to council needed if council and bailiffs have such different ammounts


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Think ill head for the council office first thing in the morning to complain before hes due to call n visit some friends for the rest of the day at least that way i cant fall for any of the bull he comes out with thanks a million i dont fell as worried now ive had youre advice :-D

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Find out exactly what you owe as confirmed by the Council. You need to speak to someone at the Council and ask the following questions:

1 - how many Liability Orders they have against you

2 - the dates they were obtained

3 - the addresses they were for

4 - the period of time each covers

5 - how much each one was for

6 - how much is still outstanding

7 - the dates they were passed on for enforcement

8 - the dates & amounts of any payments


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As he appears to be charging so much you also need to know what his fees are. here's an example of what to send, use & adapt at will. Send initially by email followed by a copy in the post.

 

"From:

My Name

My Address

 

To:

Acme Bailiff Co

Bailiff House

 

Ref: Account No: 123456

 

Dear Sir

 

With reference to the above account, Can you please provide me with a breakdown of the charges.

 

This includes:

a - the time & date of any Bailiff action that incurred a Fee.

b - the reason for the fee.

c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged.

d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at.

e - the date of the Certification.

 

This is not a Subject Access Request under the Data Protection Act S7 1998 so does not incur a fee of £10. You are obliged to provide this information.

 

I require this information within 14 days.

 

Yours faithfully

 

Ripped off customer"


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Thanks ploddertom i will ask council tomorow and send email to rosendales now and send by recorded post tomorrow thank you

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well my council were not very helpfull but ive jus read this article below on thisismoney.co.uk can anyone tell me if the last line is true???

 

Should I let them in?

You do not have to let a bailiff into your home and (apart from special circumstances involving the Inland Revenue) and they cannot force their way in. They can only use 'peaceable means' to gain entry, such as through an unlocked door or an open window, so watch out for tricks such asking to discuss the matter indoors.

Once a bailiff has gained entry into the property, they have the right to entry if they need to visit again and also to forcibly open locked doors or cupboards. If a bailiff visits when person under the age of 18 is alone in the property they must leave. They cannot enter if a child under the age of 12 is in the house, regardless of whether an adult is present.

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I agree with PT.

Shame it's not correct thou.

 

Leakie

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Aww thats such a pity would of made this alot less stressful if it was true it would of made my day to gave been able to stand at my door with the 2 lil ones n tell him to go away:lol: Thanks for the quick replies its much appreciated:-D

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well my council were not very helpfull

 

Care to explain?


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Councils are very rarely helpful when it comes to bailiffs, as far as they are concerned bailiffs know everything and are never wrong. So will, most of the time, believe what the bailiff says and very rarely help you out or state they wont help you because it is in the hands of the bailiff.

 

Ask the council how much they do know and see them squirm.

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Hi ploddertom well the woman i spoke to couldnt figure out what was goin on when she put in the account details so sat there for 20 mins clicking a pen dont get me wrong she was nice and tryed to help i found counciltax bill 2012/2013 i have 3 in total first says im on benifits(im not) so no payment needed second i owe 173 and third is up to date one for new house we moved here in june LO is for 2011 she did tell me this was sent to rosendales in 2011 and ive noticed on paper given by bailiff its dated 10/08/2011 am not sure why we only start getting them a year later i asked her the list of question e.g how many LO's etc... looked at me blankly i said about the fee's which are almost 400 she said oh they have there own fee's i really think she knew the answers but felt she couldnt say incase it went against her.

I agree seanamarts think ill have to gain some more knowledge on this over the weekend and go back on monday i felt fobbed off in a way. I did say i wasnt refusing to pay my council tax i was refusing to pay it through a bailiff i also asked if i was to pay the arrears online what would happen she said they would be cleared but the bailiff wouldnt know tis so i would advise against it so i dont know what to do now!!

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From what you have posted regarding the council yesterday triskit, it would appear they have messed up your account completely. you can pay directly into the council using their online sysyem, and i would offer payment at the counter, if they refuse get the apparatchik on 5the counter to sign a refusal, as that will help with any Formal Complaint later. keep dossendales out ant keep any motor out of their sight and they are relatively powerless. you certainly don't have to let a bailiff in no matter what he threatens. I would follow what ploddertom has advised regarding the Acme letter to rossers and the request for information to the council in writing. Once the figures are back, Caggers can help further.


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I think you must consider involving your local Councillor(s) over this as they can intervene at the highest level within the Council. I would be very surprised if the Council do not advise their Bailiffs of any payments made as in most cases this is updated on a weekly basis - the Council should have access to your account via Rossendales system anyway. Another way of trying to sort this is to submit a Subject Access Request on the Council but this does give them 40 days in which to reply & my other argument would be why should you have to pay if they have messed it up.


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I had a reply from my Council, after 3 requests asking my Local Councillor to reply to my email and to contact me, saying that my Councillor does not deal with individual cases!

 

I think you must consider involving your local Councillor(s) over this as they can intervene at the highest level within the Council. I would be very surprised if the Council do not advise their Bailiffs of any payments made as in most cases this is updated on a weekly basis - the Council should have access to your account via Rossendales system anyway. Another way of trying to sort this is to submit a Subject Access Request on the Council but this does give them 40 days in which to reply & my other argument would be why should you have to pay if they have messed it up.

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From looking at the council tax bills ive come to the conclusion the amount owing is from april "11 to maybe november "11 i dont dispute this as there was alot going on at that time i more than likely did forget about it but as i said when i set up the standing orders i thought it was all sorted foolish mistake on my part as this was the first time dealing with bailiffs there one sheet of paper doesnt give much info i speed read most of my post with 2 kids under 3 i dont have the time to sit and scoure for info i just read council tax arrears and rang the council straight away only they said 2 amounts on the first call which are now almost finished and didnt mention rosendales i do take blame for this as i should of mentioned the rosendale letters when i rang the council.

I have checked my bill again

Date of issue:14 march 2012

charge for period 01 april 12- 31 march 13 £1038.57

Benifit 01 april 12-31 march 13 -£1038.57

for infomation only. no payment is required in respect of current year

as at 23 feb 12 your 2011/12 council tax account balance is £569.52 subject to court proceedings

 

We did claim income support from dec11 to feb 12 as my partner lost his job and i was pregnant but baby was born 5 feb and he gad new job by middle of feb

next bill is dated 09 june 2012

balance brought forward £569.52

charge for period 01 april 12 -31 march 12 £173.57

Benifit 05 march 12 -31 march12 76.29

645.81 of total is subject to court proceedings

Last bill is dated same as above but for new property and all seems fine on that one.

I know benifits work in arrears so i can only think that if we stopped in feb it wouldnt of taken affect on there system till march the 2 different totals subject to court proceedings £569.52 +£645.81 are the same period of charges just with added court fees i pressume not 2 seperate bills i 100% didnt recieve a letter from rosendales till august 12 but if i -£645.81 from bailiffs made up amount of £1004.31 they have added on fees of £358.50 yet they said they dropped off 4 letters in total i can only find 1 plus the one handed to me on wednesday can they even charge that much without ever being in the house or even speaking to someone. I read there agreement with the coucil found a file online and it does state that cases are discussed regularly so therefore the bailiff would know i have been paying and also the fees are 24.50 first visit 18.00 second but that obviously isnt the case.

Sorry for goin on and on its just so annoying all your replies are greatly appreciated my lessons learnt are never take a bailiffs word as the truth and stop speed reading the post it gets you in trouble ha

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I had a reply from my Council, after 3 requests asking my Local Councillor to reply to my email and to contact me, saying that my Councillor does not deal with individual cases!

 

I would suggest your Councillor is not fit for the job and complaint should be made to his "boss" - Leader of the Council or opposite number dependent on the political persuasion within the Council.


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I will do that, thanks

 

I would suggest your Councillor is not fit for the job and complaint should be made to his "boss" - Leader of the Council or opposite number dependent on the political persuasion within the Council.

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Originally you could have complained to the Standards Board but this was scrapped when the Localism Act came into being. Each Council should publish a Code of Conduct for their Councillors and while this in the main may deal with Register of Interest I believe what you have is neglect of duty. If he doesn't want to deal with constituents then this should be reported and would make a good story in the press.


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Sounds better and better!

 

Originally you could have complained to the Standards Board but this was scrapped when the Localism Act came into being. Each Council should publish a Code of Conduct for their Councillors and while this in the main may deal with Register of Interest I believe what you have is neglect of duty. If he doesn't want to deal with constituents then this should be reported and would make a good story in the press.

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Also forward the reply to your MP, as that is what local councillors are for they are there to deal with complaints and issues for electors in their wards. has the muppet that replied saying that councillors do not deal with individuals been on a Common Purpose act beyond authority course? As a local community councillor myself i am disgusted with this, and complaints as per ploddertom, and as I suggested MP also.


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If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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