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    • 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.
    • 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    
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Jigsawbitmissing

MBNA Credit Card Penalty Charges, Late Fees, Overlimit Fees

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Hello Everyone,

 

I had an MBNA Credit Card in the early 90's. I have recently started reading about reclaiming the "penalty charges" and looked through some old paperwork I have. I have managed to find a few statements where these "fees" were applied.

 

I have sent them a SAR and was wondering if they will come back with all the statements from the start date of the account or whether I will be told that they don't have them. I should state that I am still paying the debt off to a 3rd party to this date.

 

I hope someone can help me with this.

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Await the SAR and see what they send you. They may claim that they have no data beyond six years although we believe that they do.

 

I doubt very much that you will get all statements back to the early 90's though.

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urm.

 

you wont get penalty charges of that era out of MBNA

 

of all the CCC's the worse

 

none as far as i know are coughing beyond 6yrs without a fight in court.

 

dx


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urm.

 

you wont get penalty charges of that era out of MBNA

 

of all the CCC's the worse

 

none as far as i know are coughing beyond 6yrs without a fight in court.

 

dx

 

Hello dx,

 

I presume a fight in court means fees and also end up paying their costs if I lose?

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Hello dx,

 

I presume a fight in court means fees and also end up paying their costs if I lose?

 

Much depends on the value of your claim. If it falls within small claims then there are fees payable for starting proceedings but exposure to the other side's costs is minimal should you lose.

 

I would wait until you get your data, prepare a spreadsheet of claim and then you will know how much the claim is for.

 

If going back further than six years you will rely on S32(1)© Limitations Act.

 

There is no guarantee that the charges in the last six years will be refunded easily...you may still have to fight for them.


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

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Read Here

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Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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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

 

 

 

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Much depends on the value of your claim. If it falls within small claims then there are fees payable for starting proceedings but exposure to the other side's costs is minimal should you lose.

 

I would wait until you get your data, prepare a spreadsheet of claim and then you will know how much the claim is for.

 

If going back further than six years you will rely on S32(1)© Limitations Act.

 

There is no guarantee that the charges in the last six years will be refunded easily...you may still have to fight for them.

 

Thank you kindly again ims.

 

Just a thought, would the ombudsman look into these types of claims or would it have to go to court due to the statute of limitations?

 

I will of course heed your advice and wait for any paperwork that might be supplied.

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fos are not generally the best people to go to regarding charges claims. They tend to think tat the OFT decision on charges is the one to adhere to i.e that £12 is acceptable.

 

It isn't....the OFT simply said they would not investigate charges over £12 but only a court could decide on a test of fairness.

 

As the charges are not a true pre-estimate of the costs incurred by the lender then they are a penalty and can be reclaimed.

 

Do some more reading around the bank forums and you will get up to speed on why they are a penalty, the reclaim process and the interest rates than can be used.

 

Also have a look at the success stories in the various bank forums.

 

If a charge was incurred more than six years ago then fos will be even less interested.

 

This is something best done by yourself using the courts.

 

Please be aware that although some lenders cave in before a court hearing, if you are going to pursue this you need to work on the basis that you will need to issue proceedings and will need to appear in front of a judge to put your case.

 

The key is preparation, preparation and more preparation.


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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fos are not generally the best people to go to regarding charges claims. They tend to think tat the OFT decision on charges is the one to adhere to i.e that £12 is acceptable.

 

It isn't....the OFT simply said they would not investigate charges over £12 but only a court could decide on a test of fairness.

 

As the charges are not a true pre-estimate of the costs incurred by the lender then they are a penalty and can be reclaimed.

 

Do some more reading around the bank forums and you will get up to speed on why they are a penalty, the reclaim process and the interest rates than can be used.

 

Also have a look at the success stories in the various bank forums.

 

If a charge was incurred more than six years ago then fos will be even less interested.

 

This is something best done by yourself using the courts.

 

Please be aware that although some lenders cave in before a court hearing, if you are going to pursue this you need to work on the basis that you will need to issue proceedings and will need to appear in front of a judge to put your case.

 

The key is preparation, preparation and more preparation.

 

Much Appreciated again Ims - will keep reading the threads, which is all I am doing at the moment!

 

The Forum is very addictive!

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