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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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Hello all,

 

Long time lurker, first time poster. The wisdom and knowledge of this forum has gave me the confidence to ignore all previous calls/threats but this latest letter is something new, that I haven't seen listed before, so feeling a little anxious.

 

ARC have taken over my QQ account after QQ failed to accept my monthly standing order payments and insisted on a DD only (we all know why). I have since moved to another bank and get my wages paid into that new account. The old account still exists.

 

I received this letter this morning. ARC have been phoning me 3-4 times a day but I have blacklisted all their numbers and it goes straight to voicemail.

 

Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead.

 

Thankyou

 

Kev

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PDF or Scan the letter plz... I cant read.

I suspect this is either a Notice of Assignment or a Threatogram.

They are a PITA as this is happening to me at the moment.

 

Do you want to pay QQ? If so pay them direct... :) Sure ive seen their bank details somewhere

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Sorry about that. Letter reads;

 

Special settlement offer

 

Despite correspondence from our legal department, this debt remains unpaid.

 

We understand form our client that you own the property at the above address and WE WILL NOW VERIFY THIS WITH THE LAND REGISTRY. If this is the case, we can instruct Solicitors to issue a County Court Claim against you. If the debt remains unpaid and our client obtains Judgement against you, we will then be instructed to enforce the Judgement by obtaining a Charging Order against your property to secure this debt for our client. Once a charging order is obtained, you may not be able to sell or remortgage your property without clearing this debt in full.

 

Even at this late stage our client is prepared to give you one final opportunity to settle this matter in a way that would be of significant advantage to you. Therefore we can offer a substantial one off discount on your outstanding balance. If you are able to pay a mutually agreed sum within 35 days of the date of this letter, our client will write off the remaining balance and you will not be contacted any further.

 

If we do not receive your reply within 35 days , this matter will be passed for further action without any further notice to you. Please always quote our reference on all communications.

 

_______________________________________________________________________________

 

Debt currently stands at between £1000-£1100. What offer would I likely receive and would they expect that to be paid on one lump sum, or over 2 or 3 payments?

 

Thanks

 

Kev

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See this is now a toughie me to really advise on...

Do you own your own house? If so , that could be a real clincher here.

 

You can try and find out.... But other always advise to stay off the phone. We dont condone debt avoidance, but wed rather you didnt pay a DCA...

I suspect this may just be a normal threatogram... As it says, "CAN" & "Prepared", very cleverly worded letter...

 

 

Let me ask the site team....

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They would have to take you to court and win first.


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You say they failed to accept your standing order.

 

Can you give a bit more detail please.

 

How much was the loan?

 

When was it taken out?

 

How much, if anything, was paid?

 

How much was the SO for?

 

Do you have anything in writing about refusing the SO?

 

Oh and welcome to cag!! :-D


 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

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" Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead."

 

Dont be following any of that FOTL nonsense...send ARC a section 77 request... (template in the Library) before making any offers

 

Andy


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You say they failed to accept your standing order.

 

 

Can you give a bit more detail please.

 

How much was the loan?£950

 

When was it taken out?2013

 

How much, if anything, was paid? £0

 

How much was the SO for? £90-£100pm

 

Do you have anything in writing about refusing the SO? Only chat transcripts & emails, directly from QQ

 

As above

Do you own your own house?

 

Yes

 

I made numerous offers of setting up 10 x monthly payments via SO but was refused.

 

 

Having read this and another forum of similar nature, I knew a DD option would result in numerous attempts to empty my bank account.

 

 

As my wages were still going into the account at the time, I wasn't comfortable with that.

 

" Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead."

 

Dont be following any of that FOTL nonsense.

..send ARC a section 77 request...

(template in the Library) before making any offers

 

Andy

 

Couldn't find the section 77 ?!?

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http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

In the CAG Libaray...bottom of the main page under debt collection


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Hi all

 

Posted previously on my predicament with QQ but need some further advise....

 

I currently have approx. £1000 of an outstanding loan with QQ.

 

This has been in default for almost two years,

as they refused to accept my offer of paying £100 per month by standing order as I refused to give them access to my account.

 

The debt keeps recording to my credit file with a default.

 

I contacted them earlier this year to complain about irresponsible lending and their response was a refusal to pay interest & charges 'at this time'.

 

I took that as an answer to my current outstanding debt and believe that I may have a better opportunity of reclaiming the money I've paid after I have settled the debt.

 

Do they have to accept my offer of setting up a standing order?

 

How do I stop them reporting to my credit file when I've made numerous offers to setup payment?

 

I'd happily pay them £100 per month to have the debt settled and gone within 11 months..

..but only via a standing order, or alternative to them having direct access to my account.

 

Thanks.

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Do you have an alternative bank account you could use solely for this, you could then setup a dd with them and put your £100 a month in on the day the payment falls due


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Yeah. Have an account with a very small overdraft (£100), which I'll settle and then setup a payment. After the final payment, they'll be getting a letter on irresponsible lending.

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You don't need their permission to set up a standing order. You just do it. If they refuse to.give bank details then they are refusing to accept payment towards a debt, which is in violation of their credit licence


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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i had a simular situation with quick quid

told them that i could only afford £25 per month

and gave them a cobbled together income and expenditure (made up)

and told them that i wanted their bank details so that i could set up a standing order,

told them if they didnt give it to me i would not pay anything as i take it they dont wont the money and will consider the account closed...

 

..well they agreed and was paying that then took it down to £5 pm and then £1 per month...

 

so battle down and demand dont ask tell them.

 

hope that helps

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I think you do have to put the ball back in their court.

 

Formal complaint to their CEO at their Head/Registered office along the lines of..

 

Dear Sir or Madam,

 

Account references,

 

FORMAL COMPLAINT

 

I have been attempting to come to an arrangement to repay this account - you have refused to provide your bank account details in order for me to set up a standing order.

 

You have insisted that I can only enter into a payment arrangement if I set up a Direct Debit. I believe you are attempting to mislead me in this respect, which I believe is against the Debt Collection Rules set out by the Financial Conduct Authority.

 

The only assumption I can make here is that you do not wish me to repay this money, perhaps having realised that I do have a claim for irresponsible lending against you.

 

I am therefore reiterating my offer of £ ?? x over a period of ?? months by standing order to be paid on the ?? of each month.

 

I await your early acceptance of this offer.

 

If I don't hear from you by (10-14 days from date of letter) then I will escalate my complaint to the Ombudsman.

 

Yours etc.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hello all

 

This is the last PDL left for me to sort.

 

I sent an IR claim to QQ at the end of November.

 

They didn't acknowledge receipt or offer any response with regards to the claim.

 

A week before Christmas I received a notice of debt sale from QQ, informing me that the debt has been legally sold to Motormile Finance.

 

Looking for advice on best course of action.

 

I have never contacted FOS before, so could do with some instruction if this is the action to take.

 

Hoping to sort this and put the whole PDL nightmare behind me.

 

Thanks again.

 

Ironically, I have just received a notice of assignment from MM

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Did you get 'proof of posting' or have any proof you sent QQ an IR complaint?

 

As for MM, if they rattle your cage, you can inform them that they won't get a single penny out of you as they've bought a lemon and QQ have failed to answer your IR complaint.

No further correspondence will be entered into.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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3 threads merged on same debt for history

 

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

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Thanks, dx.

 

Tried to reply earlier to Bazooka but it wouldn't let me.

 

I sent the IR claim via email. I sent a similar email in 2015 and that never got a response either. I think the 2015 email went to customer services but the most recent one was sent to escalations.

 

I'm surprised I never received a response from QQ as the previous PDL companies were quick to respond to the same email and resolved the problem efficiently.

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STOP USING EMAIL!!

write

1st class post with free proof of posting from the PO counter


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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Ok, will send off a claim via post on Monday. Do you think they'll even look into it, having ignored two email claims? 🤔

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We recently sent you a communication regarding the above account(s).

 

Please note as the legal owner of your account(s) it is our intention to register your account(s) as in default with Credit Reference Agencies, which may make it harder for you to obtain mortgages, personal loans or other types of credit.

This information will remain on your credit file for 6 years.

 

Part of an email I received today. They can't do this, can they?

 

Should I continue to ignore them while I battle out the IR claim with QQ, or.....?

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