hsbc and PPI claims - won't humour SAR!!

[tanya101]

My partner has a graduate loan and credit card with hsbc.

 

The guy at the time said he'd 'sort out' the fact that he didn't work full time.

 

Boxes were ticked by the guy after he left the bank.

 

There was also some ppi.

 

My fiance has written to them several times regarding the ppi

and their response has always been that they have thwarted wrong signature on file

and can he go into his local branch

and sign something and get them to take photocopies of Id.

 

He's done this 3 times.

 

We sent a sar to them a few weeks ago after reading the info on this site.

 

They've replied with a letter that salsas he has not signed the request

and a signature is needed to confirm his identity

they have enclosed an application form for him to complete.

 

The letter we sent did have his account details and his name and address.

 

They've also sent to postal order back because it needs to say hsbc bank plc in the payee field rather than ***.

 

I read on here somewhere that it's ok to not have a name know the payee box.

 

What shall we do now?

 

Hsbc have been stalling for over 6 months

 

and it's getting really frustrating!

[dx100uk]

sign the sar include a list of old addresses if necessary

 

and a copy of say his CTAX bill

 

dx

[SabreSheep]

My partner has a graduate loan and credit card with hsbc. ...

 

....and it's getting really frustrating!

 

HSBC caused me a few headaches for my current PPI complaint. However its now being looked at.

 

I used the following letter, feel free to edit to suit your needs

 

---------------------------------------

Dear Mr Ross Dear

 

 

HSBC Payment Protection Insurance, Your Reference : XXXXXXXXXXX

 

Thank you for your letter dated XX/XX/XX, the contents of which have been noted. In your letter you make reference to requiring me to provide proof of my address and identification.

 

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that i supply you a copy of my signature. If it is for Data Protection purposes then i have complied without prejudice to your request to visit any branch of HSBC with this letter and proof of ID and complete a mandate form. For reference I have now visited the branch at XXXXXXX, XXXXXXXX, XXXXX on the XX/XX/XX approx XX:XX. I also enclose photocopies of passport and council tax bill. This surpasses the legal requirement to establish proof of identity.

 

However please note that to date you and/or your agents including Metropolitan Collection Services which are a member of the HSBC Group, have happily sent statements and correspondence containing extensive sensitive private information to my address and so I have to ask, if you are so concerned that you are corresponding with the correct person why has it taken you so long to raise this?

 

As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of Data Protection, listed in schedule 1 of the Data protection Act 1998:

 

7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data.

 

I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity.

 

I am getting very frustrated with HSBC continuing to utilise various delaying tactics in order to avoid resolving my complaints. As such I look forward to receiving the documentation requested and complaint resolved within the original timescales from the date of complaint lodged on the XX/XX/XXXX Failures to provide the information requested within 40 days and resolve my complaint within 8 weeks of the original date of complaint/request means I shall be forwarding my complaints to both the information commissioner and the Financial Ombudsmen.

 

Yours Sincerely

 

 

Sign Digitally

 

--------------------------------------------------

 

You might want want to change the last bit to something along the lines of

My complaint was lodged with you on XXXXXX your time has expired. You have a final 14 days from reciept of this letter to comply with my request. A formal complaint has now been lodged with the ICO regarding your behaviour.

 

Also If you want you can get someone else to write the cheque on your behalf, take a photocopy for your records.

[tanya101]

hi thanks for your post!

 

I hate to sound thick but I don't suppose you could just explain the letter to me a little.

 

it sounds good but I just wanna understand exactly what I mean before we send it.

thanks!

[dx100uk]

I refer you to post 2

 

dx