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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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PayingThePiper6765

HPH2/Cohen claimform - old Santander [GE Money H.Samuel] Store Card 'debt'***Claim Dismissed***

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Your defence stops after point 3 ..all defences normally run to 6/7 points and puts the claimant to strict proof to evidence all documents its claim relies upon.

 

The following thread will provide guidance.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?445482-Hoist-Cohen-claimform-Ex-Santander-CC/page5&highlight=HOIST+PORTFOLIO


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1. The Defendant contends the particulars of claim. They are generic and undetailed, with no real explaination of the debts origin. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant. The claimant has failed to provide any evidence of agreement/contract/breach as requested by CPR 31.14 and is in default.

 

3. Paragraph 2 is denied as The Defendant maintains that a default notice was never received.The Claimant is put to strict proof to that a default notice was issued to and received by the Defendant.

 

4. On the 23rd May 2016 I made a legal request by way of a section 77/78/79 request to the Claimant. The Claimant has not yet produced the requested documents therefore I am currently unable to fully defend this claim. As the accusation is vague, I dispute the allegation of failing to make contractual payments as no contract has been provided.

 

5. The claimaint claims interest, costs and fees for something that has not been proved by them, so i reject these claims and wish to claim costs myself.

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Does not put them to strict proof to disclose ...as per the above thread I linked which you have not bothered to view.

 

Andy


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:frusty::frusty::frusty::frusty::frusty:

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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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Does not put them to strict proof to disclose ...as per the above thread I linked which you have not bothered to view.

 

Andy

 

OUCH!

 

I have read the link you gave. The problem is simply this, Im thick as pig poo.

 

I'll just muddle on regardless. thanks for all your help. i will send a donation friday.

 

All the best

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I have taken time and gone to thread and copied the defence for you...here it is all you have to do do is amend it to suit your claim....amend dont remove anything.

 

Defence

 

1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

2. Paragraph 1 is noted insofar as I have in the past held a contractual relationship with Santander. I do not recall the precise details or aware of any outstanding balance. I therefore have sought clarification from the claimant by way of a CPR 31.14. Unfortunately the claimant has failed to comply to my request.

 

3. On the 25th May 2016 I made a legal request by way of a section 78 request to the Claimant. The Claimant has failed to comply with my request and is therefore in default and unable to enforce or request any relief until such time they comply.

 

Therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim.

 

6.As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed and evidence any breach and notice of breach by way of a default notice or notice of sums in arrears

 

7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.


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just one thing.

 

The court document gives no details of the debtor. just a random sixteen digit number. Do i still proceed using santander?#

 

And thank you very much!

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16 digits is a credit card

 

if you are able to understand this site.

you can look up exactly what the card was for..

 

but that's not your problem really.

 

 

.you aren't trying to bring a speculative claim before a court.

 

 

try here:

http://bin-iin.com/Discover-BIN-List.html


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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also

have you looked at your credit file

that will tell you.

 

 

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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Hello.

 

Just to bring you up to speed, my court case was on the 1/11/16.

 

I won. Because they didn't show up. The beak said the claim wasn't very good to begin with. He refused to give me any costs however.

 

Thanks for the help you gave me, and I hope the donation helps.

 

@Andyorch. Not everyone is as smart as you.

 

Merry xmas!

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And many thanks for your donation PTP...delighted that this has been resolved for you. :yo:

 

Thread title amended to reflect the outcome

 

Well done

 

Andy


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