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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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[ATTACH=CONFIG]39690[/ATTACH]

 

Hoping that you guys can help us here - I have a very good friend who iscurrently on Incapacity Benefit (although this is about to be changed to IncomeRelated Support Component of ESA - whatever that is). She a lovely lady,currently suffering with cancer, so she's in and out of hospital.

 

It also means that she's absolutely on her uppers.

 

She has been only just able to keep up with the rent and the bills,unfortunately her council tax hasn't been paid.

 

She received a letter, from the council, saying that they were taking her tocourt for non payment of council tax. Judgement obviously went against her (itwas about this time that she was in hospital for another operation).

 

The next thing that she heard was a letter from Rundles saying that the debthad been passed to them - and stating that she had to pay or they would comeand take goods to pay the debt.

 

The day that she got the letter from Rundles, she phoned the council - theysaid that as it had already been passed to Rundles that they couldn't get itback and that they wouldn't discuss the issue - any discussion would need to bewith Rundles.

 

She then contacted Rundles and agreed to pay £50 every two weeks (more thanshe could actually afford, really).

 

The problem is that she went back into hospital around that time, and somissed the first payment - I dropped by her flat to pick up her post and takeit to her - and it was only then that we discovered the letter (see attached).

 

I phoned the bailiff on her behalf, explained that she was in hospital atthe moment and so couldn't make the payment, but that she would be able tostart as soon as she got out. The bailiff was somewhat unhelpful, basicallysaying that unless the whole amount was paid within 48 hours, he would be roundto clear the flat.

 

She's just got back out of hospital now, and is meant to be getting completerest - you can imagine what this is doing to her!

 

Any advice would be appreciated!

Edited by Viking_Raider
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Hi

 

To post up the document please use this method by dx100uk

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

 

Have they been into her premises? I would guess not from what you say.

 

Has she a car outside at all?

 

Unless they have previously had entry into the premises then they cannot force entry.

 

She sounds like she is in the vulnerable category to me in which case the council must take this back.

 

The experts in this field will be along as soon as they can but in the meantime please post that document up following the instructions above.


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She a lovely lady,currently suffering with cancer, so she's in and out of hospital.

 

clearly vulnerable household bailiff action must stop

 

get on to council formal complaint to council contact local MP


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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The bailiffs will not be able to clear the flat and will not be able to force entry at this point the 48 hour notice is a standard letter to intimidate into paying


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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Hi

 

To post up the document please use this method by dx100uk

 

 

 

Have they been into her premises? I would guess not from what you say.

 

Has she a car outside at all?

 

Unless they have previously had entry into the premises then they cannot force entry.

 

She sounds like she is in the vulnerable category to me in which case the council must take this back.

 

The experts in this field will be along as soon as they can but in the meantime please post that document up following the instructions above.

 

Done!

 

Yes - he has been to the flat (no one was in, she was still in hospital)

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Sorry

 

Had to unapprove the attachment as there is at least one reference number showing.

 

EDIT: Also please remove the bailiff name, phone number and signature.

Edited by ims21

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Sorry

 

Had to unapprove the attachment as there is at least one reference number showing.

 

EDIT: Also please remove the bailiff name, phone number and signature.

 

Done

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I assume you have her permission to help.

 

First thing tomorrow morning you need to get on to the Council and ask to speak to someone in authority

- Head of Revenues would be a good start

- your friend may need to speak to them to permit you to do this.

 

You should tell them of her present medical history and ask if the Council has signed up to abide by the National Standards for Enforcement Agents

- your friend is clearly classed as vulnerable.

 

The second call you should make is to her local Councillor(s) - to intervene if the Council are stroppy or to inform of the situation,

any refusal or reluctance and go straight to the Leader of the Council & his opposite number. For now don't contact the Bailiffs.

 

You should also remind the Council of the latest advice/report from the LGO http://www.lgo.org.uk/news/2012/nov/lgo-highlights-problems-bailiff-action-behalf-councils


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Also send a complaint to MP and get them involved, along with a complaint to OFT on Bumbles & Co's Credit Fitness.

 

They should adhere to the national Standards as the lady is clearly unequivocally vulnerable.

 

Did you record any calls or converstaions with the bailiff when they said they were going to clear the flat anyway, would be good evidence for a Formal complaint.


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Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).

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Thank you all for your responses. I have spoken to a very nice chap at the council this morning who agreed that my friend is definitely "vulnerable" and put an immediate stop on any action. Interestingly, whilst looking at her notes, he found that the bailiff had rung in yesterday, unprompted, to flag the fact that this case should go back to the council as she is vulnerable! (so they’re not all bad – he’s definitely “playing by the rules” in this case).

 

He's only playing by the rules because he has been caught out, I would doubt he has done it off his own bat. Could well be of course he has been reading this thread - or am I being too cynical!


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He's only playing by the rules because he has been caught out, I would doubt he has done it off his own bat. Could well be of course he has been reading this thread - or am I being too cynical!

 

Hope the bugger has, and backs away completely, he has already overstepped the mark, so the complaint should go in anyway imho


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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Glad to see the council has seen sense :)

 

I hope your friend gets better soon.

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