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    • 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    
    • Thankyou it’s because I’m awaiting the outcome and a friend said I will be turned down as I asked them a while back if I had ppi on the account and how much it was and they replied.  But they did only send me a short confirmation with the amount and that they trust that answers my enquiry. i just wanted to be prepared if they wouldn’t turn me down based on that. Thanks for your advice on that mate 
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nose0617

Left UK with debt and move to Asia

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enjoy yourself abroad - forget the debt = take it you will not be returning in the near future - stuff them legal thieves! get a pound and make 1,000s


:mad2::-x:jaw::sad:

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And other point having read their old thread they posted under a different user name. These debts go back to 2011 when they left the UK.

 

If there have been no payments made since 2011, these debts will be statute barred sometime in 2017 and therefore stop being enforceable in court if defended. If the OP advises creditors that they have been resident in Asia since 2011, i don't think they will get around to pursuing, As long as they don't admit to owing the debt or making any payment.


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thanks UB I forget that

the threads are now merged here


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for your help. All of you!

 

Even I have no intention of going back,

chasing by the debt's a nightmare (sometimes..)

 

If they are not adding a ridiculous amount as interest or service charge,

I will pay what they are asking for now.

 

As someone replied - what if they find my current address now.

I don't want this happen..

 

But now,

hope they could give me few months extra so I have enough time to ''save'' some money for them. :)

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why?

what can they actually do to you?

what are you scared of if 'they' find you.

 

 

...puzzled...

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That's what I am scared for - I don't know what they will do if they find me locally. The law in my country is not as good as UK. They can do lots of rude harassment and seldom of them are punished.

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why?

what can they actually do to you?

what are you scared of if 'they' find you.

 

 

...puzzled...

 

 

dx

 

In UK, they will only spam calling, mailing, emailing etc. Here... not only my life will be threatened. My parents or anyone around me will be as well.

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In UK, they will only spam calling, mailing, emailing etc. Here... not only my life will be threatened. My parents or anyone around me will be as well.

 

That only happens with debts you incurred in Asia. UK debts are not sold on to debt companies in Asia. UK Bank and Debt Collection Agencies work to UK standards. They are not allowed to farm out to any Debt collectors in Asia who might employ local standards which are not legal in the UK.

 

If you don't pay a UK debt, they will just chase you with standard letters and emails saying they might take this or that action. Some Banks do use DCA's that offer services of collecting debts worldwide, but they don't use any Asian companies who employ the bad practices you are thinking of.


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That only happens with debts you incurred in Asia. UK debts are not sold on to debt companies in Asia. UK Bank and Debt Collection Agencies work to UK standards. They are not allowed to farm out to any Debt collectors in Asia who might employ local standards which are not legal in the UK.

 

If you don't pay a UK debt, they will just chase you with standard letters and emails saying they might take this or that action. Some Banks do use DCA's that offer services of collecting debts worldwide, but they don't use any Asian companies who employ the bad practices you are thinking of.

 

Really?

My only worries is if the bank still looking for my current address.

 

 

I have a thought today - don't know if it's correct.

Since the bank sold the debt to DCA

(I guessed the debt has been passed on on quite a lot DCA. On the latest DCA letter,

it didn't say it's from HSBC but it's appointed by another DCA),

 

 

does that mean HSBC give up looking for me directly then?

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Really? My only worries is if the bank still looking for my current address. I have a thought today - don't know if it's correct. Since the bank sold the debt to DCA (I guessed the debt has been passed on on quite a lot DCA. On the latest DCA letter, it didn't say it's from HSBC but it's appointed by another DCA), does that mean HSBC give up looking for me directly then?

 

Yes really. UK debts arranged under UK law come with UK standards.

 

UK Banks sell or assign debts onto DCA's that comply to UK standards. If this debt is now 5 years old, it is possible HSBC have sold the debt and are no longer interested in you.

 

If a DCA is looking for you at your Sisters address, perhaps the way forward is for your Sister to confirm in writing that they have made a mistake. She provides her full name so they can see they have traced the wrong person. She also tells them that her Brother who had an account with HSBC moved back to Asia in 2011 and she does not have a current contact address, if it is her Brother they are looking for.


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as above - 39

 

once she tell them that is it - get on with your life - what country are you in anyway!?


:mad2::-x:jaw::sad:

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Yes really. UK debts arranged under UK law come with UK standards.

 

UK Banks sell or assign debts onto DCA's that comply to UK standards. If this debt is now 5 years old, it is possible HSBC have sold the debt and are no longer interested in you.

 

If a DCA is looking for you at your Sisters address, perhaps the way forward is for your Sister to confirm in writing that they have made a mistake. She provides her full name so they can see they have traced the wrong person. She also tells them that her Brother who had an account with HSBC moved back to Asia in 2011 and she does not have a current contact address, if it is her Brother they are looking for.

 

Ah I see. I told her to reply with record mail yesterday. Hopefully, they will stop sending her letters.

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if they fail to stop then formal complaint procedures can be kicked in!


:mad2::-x:jaw::sad:

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Hi everyone. Wanna catch up with my situation :)

 

After sending out the 1st reply, they sent 3 more afterwards.

 

I asked my sister to send 1 last record mail with a big 'FINAL NOTICE'.

 

Well, it works because they replied with a different letter yesterday.

 

They are now requesting my sister's DOB, last resident address with in/out date and the passport.

 

Should we give these important personal information to them please?

 

Will they revise the record of the debt by using those information please?

 

Thanks in advance.

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what part of totally ignore powerlrss DCA's are you not understanding?

 

 

a DCA is not a BAILIFF

and has

NO LEGAL POWERS WHATSOEVER.

 

 

Ignore

then when you've don't that

ignore them again.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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all and bugger they can do to her or anyone

 

 

you should never have replied to them in the first place

simply invites letter tennis.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ah ok. I only worry cause they are bothering my sister instead of me. Thanks for your reply.

 

Agree with dx. However, if no response they will continue to hassle your Sister believing you are at the address. They might issue a court claim in your name to her address. Of course, if you are not at the address, then your Sister advises you of the court claim and you dispute that the court has jurisdiction, as you are not a UK resident.

 

If it were me, to save a relative being bothered by this, i would write from the Asian country where i was based and advise the debt company of my address, providing a copy of some official document stating my Asian address. I don't see why your Sister should be expected to reply again and certainly not with a copy of her Passport photo page.


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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