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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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minia70

Hello everybody:) Help needed!!!

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Hello,

On 5th Dec 2012 I've received two letters: one from Cabot Financial and another from Ruthbridge Understanding Resolution about outstanding balance £2625.00 for course Sage Line 50 that I've never maid with company Career Development Finance Limited. That company informed Cabot Financial that I opened the account on 13 Jul 2006 and did not default until 20 Feb 2007 and last payment of £75.00 was paid to the account on 21 Aug 2006.

 

 

The problem is that the course advisor met me in 2006, left booklet, plastic paper clip and I've signed some documents, but few days later, before I started any course I'd found that the standing order had been made without my permission, so I'd contact the Barclays Bank and Career Development Finance Ltd., known to me as Skills Train regarding that. I informed CDF Ltd. that I didn't want to do any course with them. Now after so many years they want something from me for nothing.

 

 

That's not all. I've contact Ruthbridge Understanding Resolution and explained everything, so they closed the case - that's what they told me. Today I've received another letter from Cabot that Ruthbridge has returned my account to them that I do not recall it. I've contact Cabot and they told me that case is still open, I've contact Ruthbridge and they said that for them the case is closed, and they do not have any information about it.

Please help,

Kasia

Edited by citizenB

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Hi

 

I have moved your thread to the Debt Collection forum.

 

If the last payment to the account was August 2006 and you have not acknowledged this debt in writing since that time then it is Statutory Barred.

 

Send the company chasing you the Statute barred letter which is in the CAG library here...

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

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Some thing jumps out here last payment in 2006, has any written acknowledgment been made in that 6 year period, if not the debt is statute barred, the default date is of no relevance if this is the case.

 

So send the following letter to the Compliance Manager at Cabot.

 

Ref: use theirs.

 

Sir,

 

I refer to recent correspondence from Cabot and Ruthbridge regarding an alleged debt for £xxxx .xx originally from xxxx,

please note I do not acknowledge any debt to Cabot or any company you claim to represent.

 

Having received information regarding this matter I have concluded that the alleged debt is statute barred therefore I will not be making any payment now or in the future.

 

You will now cease to process all data relating to me and remove it from your recordswith immediate effect.

 

I am aware of the OFT guidance on debt collection and the sections regarding statute barred debt.

 

This is my final response.

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