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    • So this is alleged fraud, rather than a normal debt situation.   Why have UK authorities not been involved, if the person has lived in the UK ?   Perhaps they have tried and got nowhere, so use these interpol red notices to have them detained in a third party country.    I have read online articles that say these interpol notices are being abused by Banks based in UAE.          
    • So nothing to do with deprivation of capital, but bad choices of how they spend benefit monies.   Sounds like they are on a downward spiral to living on the streets and getting into an even worse situation.
    • 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.
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Almostdebtfree

Ruthbridge - HSBC debt

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Hi,

 

I'm new to this forum but I have been reading some of the threads. I just want to make sure I get this right.

 

I received a letter from ruthbridge last week saying they have traced me through my credit file. No details of debt just please contact us. I haven't after reading some of the threads on here. Today I have received a second letter, regarding an old HSBC debt of £3539.35, and if i dont contact them they will recommend to their clients to get a ccj. I believe this was an old joint account credit card me and my now husband had. We were living away, both being paid well and living in where we worked so very little rent, so a debt we could afford at the time. Anyway circumstances changed and we came home and stupidly ignored the debt.

 

I have checked my credit report with creditexpert and I have nothing on my credit history. I believe I stopped communicating about 2005/2006 but cannot be 100% sure the last time I contacted them. Obviously if it is about this time the debt would be statue barred but if it's just after since we are only in 2012 so may just still be valid.

 

What should I do?

Should I do nothing?

Should I contact them asking about the debt? But then I'm not sure if these companies lie to make you start paying old debts.

 

Thanks in advance.

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Hi Welcome to Cag,

 

Ok if a debt reaches Ruthbridge it's either without paperwork to back it up or nearly statute barred or already SB>.

As it does not appear on CRA files it is more than 6 years since the account was defaulted and the reason for the default is usually up to 5 months before the default date my guess is this is SB.

We see a rash of these debts from |Ruthbridge just before Christmas most years.

 

So send the following to The Data Controller

Ruthbridge Ltd by recorded delivery.

 

Send the following letter, IT DOES NOT ACKNOWLDGE THE DEBT OR RESET THE CLOCK.

 

Ref: as on their letter.

 

Dear sir,

 

I refer to your letter dated xx xx xxxx in which you claim to be acting for xxxxxxx in regard to a debt for £xxxx please take note I do not acknowledge any debt to you or your client.

 

I have researched my credit history in relation to this allged debt and have concluded that any such debt is statute barred, I will not therefore make any payment or offer of payment now or in the future in relation to the allged debt.

 

I am fully aware of the OFT Guidance 2003 updated 2011 and November 2012 and the sections regarding the pursuit of statute barred debt.

 

I must remind you that if you refute the status of the allged debt the onus of proof that the debt exisits and is not statute barred lies entirely on Ruthbridge Ltd and not on me.

 

This letter is not an admission of any liability to Ruthbridge Ltd or your client.


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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok, I presume as per previous posts not to sign it just type name?

 

Will they just stop sending letters or will they answer?

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Typed name anonymous squiggle!!

 

99 time ot of 100 Never heard from again!


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:

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Ok brilliant, thanks everso much for your help. I'll comeback if they do reply with something.

 

Thanks again

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Oops, just realised I've replied on my friends name. Sorry she was showing me the site and I didn't realise she had logged back in.

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OK no problem.


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:

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