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    • Letters attached - obviously the third image (back of the page) is common to both.   Since posting, I've found another mention of a 2017 Cross St. ticket coming back to life yesterday (11th) and wonder how many more?   Further comments welcomed.
    • 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.?  
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ruthbridge - do i need to worry

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Hi everyone,

 

i have received a letter from ruthbridge yesterday asking me to contact them,

so i contacted them not thinking much of it,

 

it turns out they are asking for payment for a 6,000 loan from when i was young and stupid!

which i made my last payment may 2007

but i have not made a payment since as i was not in a good place to at this point and nobody has contacted me until yesterday.

 

apart from this i have no debts and was agreed a good morgage back in march of this year which i thought was the start of a whole new life.

 

please can someone advise me of the best thing to do next?

 

i have also check my credit report, experian show that my report was good 900+ with this debt not showing then i looked at checkmyfile which show it and the report was not as good.

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I would say stop contact with them, and see what they do next I suspect the usual threatograms but when you dont contact them the debt will become statute barred in May 2013 so can no longer be chased so stay off phone to them


I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Toothles ruthbridge, ignore ignore ignore.

 

Stay off the phone, if they ring just laugh and hang up, repeat process for foreseeable....


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi everyone,

 

i have recived a letter from ruthbridge yesterday asking me to contact them, so i contacted them not thinking much of it, it turns out they are asking for payment for a 6,000 loan from when i was young and stupid! which i made my last payment may 2007 but i have not made a payment since as i was not in a good place to at this point and nobody has contacted me until yesterday.

 

apart from this i have no debts and was agreed a good morgage back in march of this year which i thought was the start of a whole new life.

 

please can someone advise me of the best thing to do next?

 

i have also check my credit report, experian show that my report was good 900+ with this debt not showing then i looked at checkmyfile which show it and the report was not as good.

Hi welcome to CAG,

 

Once a debt reaches the bottom of the pond with Ruthbridge it's got many probleme and is usually stat barred or nearly so.

 

This seems to be the case here, please do not phone this company they are known to attempt to intimidate, luckily verbal contact does not reset the statute barred clock.##

 

Are you sure of the last payment date, and does the debt show on your credit reference files.


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The Ruthbridge threat cycle is depressingly predictable.

 

You'll get one soon threatening to make you bankrupt while offering you a massive discount.

 

They may even offer you advice on debt management, something they are no longer allowed to do.

 

In every case keep the letters carefully and bide your time.

 

They will eventually give up but responding to them, even to tell them to bog off, encourages them to fire off even more letters.

 

Early next year the matter become staute barred and then you tell to skulk back under their stone.

 

And if they don't you can safely swat them away with complaints to all and sundry.

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Hi,

 

Thank you for your advice,

 

yes the debt shows on my checkmyfile report as may 2007 last contact, it also states this will be no longer reported from may 2013.

 

do you think its time to send a letter?

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Ah I see you have check Experian, so I suggest that you check Equifax too.

 

Checkmyfile should be told that their data is wrong if Equifax shows the same result as Experian.

Leave the letter unti Ruthbridge write 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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i have just checked equifax which shows the debt with the same dates

 

do you think still not send a letter?

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i have just checked equifax which shows the debt with the same dates

 

do you think still not send a letter?

 

Ok, as you have contacted them by phone I would leave it until they start writting again, then send them a ''prove it'' letter, use up some 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:

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