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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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Thejezz

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Hi all,

 

I am new to this and would like to ask for some advice.

 

Unfortunately I got my self in a payday mess, I have had several which i now have payment arrangements set up.

 

Due to 1 tough month I did not stick to the payment arrangement with WDA and they straight away passed this to DCS (DRS)

 

The amount that was owed before i failed the payment was £340 - DRS have given me 2 options:

Pay £401 now.

Pay £580 over 6 months

 

I asked them to have a full break down of the charges added which I got the response of " it's the APR mate"

I wish I could pay the full amount but I am unable to.

 

I gave them an offer of £40 a month which they declined, I ignored the calls so I could have a think, they repeatedly called my work desk phone which got me in trouble as the calls are monitored. They said they will apply for a attachment of earnings which will be taken straight from my wage (again this does not look good to my boss I imagine), so now I am a bit worried.

 

If £580 over 6 months is the best option to you guys? then I would go ahead and do this, but without exaggeration I will be eating rice for the next 6 months.

 

Also does anyone have any experience with this DCA? I talked very calmly and professionally on the phone and the person I spoke to got excited very quickly like I owed him personally money, I asked them to please stop calling my work phone (stupid me for giving it to them on the WDA application) which i got a response we can call your work phone or your employer at anytime we want.

 

The stress levels with me are on the rise so would appreciate any advice.

 

Many thanks,

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Hi

 

Im not an expert but as far as im aware you if you hit financial difficulty you tell them what your paying each month as its all you can reaonably afford if they refuse drop the offer as they are doing nothing to aid you.

 

You can also file complaints to the OFT for those calls as they should not be calling you at work especailly if you habe said not to. Also complian using their own complaints procedure.

 

Others will be along to asist further.hope this helps

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They should also provide you with a full breakdown of charges an not just "its the APR" if you ask they have to provide it.

 

£40 a month is more then resonable in my opinion. But like i said you TELL them what you are paying as its all you can afford at the moment and as goodwill should stop interest and charges. If they dont drop them to £1 a month as thy are doinb nothing to assist you in time of harship.

I hope that makes sence.

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Thanks for the advice!

 

Quick question, can this DCA apply for an attachment of earnings and take the amount of my wages? they advised me this would be done swiftly.

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Indeed as mk says not without a court order. Its just their usual threat-o-gram nonsence! Plus i think only the Original Creditor can do that.

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Thank you for the advice all, you have eased my nerves.

 

I will stick to my offer of £40.

 

Next time the call will be recorded (they are warned) so if they get abusive and continue to call at work I will complain

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An AOE can ONLY be issued as follows:

 

The debt is taken to court. The creditor wins the case and a CCJ is granted ( takes a MINIMUM of 30 days after the case is won). You then make no payments to the CCJ. The CCJ then heads back to court and you are invited to explain why you cannot make payments. If you dont attend, or dont inform the court then they have a variety o options at their disposal. This can take MONTHS.

 

However, if you give them an I&E sheet that shows you can only afford a fivcer a month, then thats all they will tell you to pay, and even then, payment is made by the method of your choosing. Normally Giro/Debit card or standing order.

 

In short, the creditor/DCA is lying and misleading you and you MUST make full and formal complaints.


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

:D

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Your most welcome.

Well explained renegadeimp.

 

Also if they ring your work and they disclose any information to anyone but you they are seriosuly in the doo doo!!

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