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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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New mortgage rules: the questions you will be asked

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New rules come into force at midnight tonight aimed at ensuring borrowers are not offered loans they cannot afford. We warn on exactly what to expect



Planning to buy a home or change or move your existing mortgage? If so, brace yourself for a long wait to see a mortgage adviser, three-hour interviews at the bank and forensic analysis of your daily spending habits thanks to new lending rules that come into force tomorrow. Even after jumping through all those hoops, success is not guaranteed – experts have warned thousands of buyers and home owners are likely to be rejected because they do not meet the new requirements.


The City regulator, the Financial Conduct Authority (FCA), has introduced the new rules, known as the Mortgage Market Review, to ensure borrowers are issued with mortgages they can afford both now and in the future. The FCA was concerned that lenders were making it too easy to get a mortgage before the financial crisis. Many households borrowed too much money and found they were unable to keep up their repayments when the financial crisis struck.


So-called “self-cert” loans, where borrowers declared their income but did not have to prove or “certify” it, were common and people routinely exaggerated earnings to borrow more. Interest-only loans also caused problems. Borrowers flocked to these deals because their monthly repayments were lower, but they had no way to repay the capital at the end of the loan. To ensure safer lending in future, mortgage providers are now responsible for assessing whether customers can afford the loan in the long term. This includes buyers and those who are remortgaging and want to increase the size of the loan, vary the time frame or transfer it to a new property.


More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/10787176/New-mortgage-rules-the-questions-you-will-be-asked.html

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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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I wonder if this is actually happening and to what extent.


My last four mortgages were all 'self-cert'. None of them ever went into arrears and all were cleared well within the term. The decision to stop offering them was, in my opinion, a 'knee-jerk' reaction by the Powers That Be. Surely it would have been better to simply restrict 'self-certs', perhaps only allowing mortgages of 70% of the property value.


With the disappearance of 'self-certs' I recently had to apply for a 'conventional' mortgage.


I applied for my new mortgage just after these new rules came into force and did not have any interviews with the lender. Nor did I have to give any but very basic details of my income and financial situation. I certainly did not have any 'forensic analysis' or 'hoops' to jump through. I had a short meeting with a mortgage adviser where I provided proof of my identity, address, employment status and earnings. My offer of a mortgage with Santander (Abbey, in fact) arrived yesterday.

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide


So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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I, ve been with the chelsea for 7 years and never missed a payment.2 years ago I opted for an interest only mortgage as I was on a 2 year pay freeze and wanted lower payments as a short term fix. I still have 1 year to run on that deal which is subject to an early repayment fee. Idecided in jan this year to sell my property and downsize to release some equity and put a good deposit down and change to repayment.Thats where the nightmare started.My mortgage is "portable" but when I requested they port it to a new property I was informed that I had to reapply for a mortgage.To cut a very long story short and after numerous 1 hour and 2 hour calls spaced over months I still have no new mortgage and to cap it all I have now lost my buyers who were unable to wait any longer.The chelsea did say to me that in principle they were willing to lend me £53000 , which is half of what I already owe them, subject to a full application and 2 hour phone interview which was due to takeplace this friday 30th may. I made the mistake of telling them the price I sold my house for, so they new how much I had made and it means that even buying a smaller property for £100000 I would be wiped out financially.I have complained to the fso about the length of time this has taken, but thatwont get me my buyers back.So it looks liked I, m trapped in a property I dont want.So beware even if you want to downsize they will make it impossible for you.Ihave now had to put my property back on the market and am now looking for a new lender that hopefully wont take 3 months to process a mortgage.

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