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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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Hi all,

 

I really need some advice and help. In a weeks time, my Nationwide overdraft will be changed from £4500 to £250. I also have a overdraft of £2500 from Natwest. In total I owe £7000. I still have a week till the overdraft is official changed.

 

What are my options? I would like to be able to agree something with Nationwide. I really dont want to screw up my credit score, in case I want to get a house in the future.

 

Unfortunately I dont have a job but expect to get one within the next 6 weeks. What is the minimum payment and time schedule can I get them to agree to.

 

Any advice would be really appreciated.

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Hi, welcome to CAG,

 

Why is the OD facility being reduced?

I would expect that any repayment ''plan'' negotiated would result in it being reported to the credit reference agencies.

 

I agree your best bet is to approach your branch and attept to negotiate,but make sure you speak to someone with authority to make a decision.


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

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Thanks for the reply.

 

Its kind of sorted. I've got two accounts with Nationwide. One has £4500 and the other has a overdraft of £500. Luckily the letter was was for the latter account to reduce to £250.

 

Overall I have 5 months to cut down the limit before the account gets reviewed again. Need to start cutting costs.

 

Sidepoint: I rang nationaldebtline.

 

 

I waited for 15 mins. When the call was answered. They kept asking a lot of personal questions, real name, address and phone number. Before I gave the details, I asked why they needed them if they are confidential. They said it was to send me information. I replied I don’t want this information sent to my house. The woman immediately put down the phone. They seem very dodgy and unprofessional! What is your experience knowledge about them.

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National debtline are fine. They are recommended by a lot of people to help. There are no dubious dealings with them, and they simply need your info so they can send you information by post.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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