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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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Arrow Global bought HSBC debt

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I have recently applied for a mortgage and found a default on my credit file from Arrow Global.

 

The debt i believe is in relation to a business loan i took out with HSBC in 2005,

the business was shut down approx 3 years ago as well as all associated accounts

including i assumed the loan account,

 

 

HSBC informed me nothing was owed when i shut the accounts,

they even transferred some money that was in the current account to another business account i had with them.

 

I received a letter from Arrow Global in April 2016 mentioning a debt

and i contacted them directly for more information, they never returned my calls.

 

I have spoken to HSBC this morning who have just said that the account was closed?

They wouldnt give me any further information.

 

I have spent years perfecting my credit rating and to say i am absolutely livid about this default is an understatement,

my mortgage was rejected and my personal credit rating completely trashed.

The default was put on in February 2015!!!

 

What can i do,

i have today sent SAR requests to both HSBC and Arrow Global as well as request for the record of default notice to Arrow Global.

On my credit file the address for the default was a house i lived in over 10 years ago??

 

Latest letter says debt has been passed to Moorcroft Group PLC

 

I am contemplating paying the amount owed £910 to mark it as satisfied

but i dont want to pay what i have been told isnt owed,

money is not an object and i will gladly pay whatever it costs to get this default removed.

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Place a 'notice of correction' on your credit file, in that you have no knowledge of this alleged debt.

 

You're doing the right thing by sending the SAR to HSBC, AG won't have anything, so I'd save your £10 on them.

 

Stay off the phone, only ever deal with these [edited] in writing, you need a paper trail of evidence.

 

On your CRF what is the date of default?

And when was the account actually defaulted?

Edited by honeybee13
Pejorative word.

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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Arrow Global Marked the default as 12/02/2015 Nothing has been paid to HSBC for approx 3 years as accounts were shut down.

Also i have certainly never received a default notice?

 

I have received no correspondence from HSBC regarding this matter whatsoever, i have personal and three other business accounts with them so they have my details.

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I doubt it was arrows that placed the default

it would have been HSBC before they sold the debt on.

 

 

you certainly should not be talking to arrows on the phone

writing ONLY.

 

 

I suspect too this will have something to do with what hsbc call ' a managed loan'

whereby they merge everything and sell it on.

 

 

FWIW a debt buyer cannot issue DN's

only the OC can do that.

so HSBC are lying to you.

 

 

dx


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Credit File specifically says Arrow Global 12-02-2015 with my old address on.

Will not call them further.

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SAR them regarding this particular account, and see what they fire back, if anything?


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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when a debt is sold

the buyers name replaced that of the OC

on your credit file

 

 

dx


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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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look like the managed loan debacle then.

 

 

HSBC filed the default

they are your target

paying wont remove it either

 

 

dx


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Hammer HSBC, exhaust their complaints procedure then escalate it to the ombudsman if necessary.

 

If this has resulted in you being refused a mortgage, and you can prove that this default should never have been applied to your account,

then keep copies of everything as evidence, so that you are able to sue them in court for defamation, if they fail to remove it or correct the entry on your file.


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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Will have to see what the SAR's bring back, it is criminal how they twist regulations and have so much control over people, HSBC have never contacted me about any outstanding monies, i have no debt whatsoever except buy to let mortgages and everything is always paid when request to say i am pi@@ed off is an understatement.

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Well, if you can prove that this data being processed on your CRF is inaccurate/incorrect then it will be HSBC who will be dipping into their profits to pay you damages!


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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Hammer HSBC, exhaust their complaints procedure then escalate it to the ombudsman if necessary.

 

If this has resulted in you being refused a mortgage, and you can prove that this default should never have been applied to your account,

then keep copies of everything as evidence, so that you are able to sue them in court for defamation, if they fail to remove it or correct the entry on your file.

 

Thanks that sounds like a plan, had a complaint with HSBC a few weeks ago with none communication regarding arranging a meeting and they gave me £100 in my account as apology :smile:

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Thanks that sounds like a plan, had a complaint with HSBC a few weeks ago with none communication regarding arranging a meeting and they gave me £100 in my account as apology :smile:

 

Well processing inaccurate data on your CRF, you can put another zero on the end of that, and, if you can prove that it stopped you from obtaining a mortgage, or preferential borrowing rates, then the figure only goes up! :thumb:


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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Would it be wise to email HSBC complaints department before receiving SAR info (if i get it) shouting my annoyance?

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It will not hurt one bit, but use the belts and braces approach and make/keep a copy of whatever you email so you can follow it up with a hard copy if they fail to answer your email.


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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I am a little concerned if I attempt to sue HSBC they will shut my other accounts, I have two successful companies plus personal accounts with them and with default would not be able to obtain another account, especially as businesses these days rely on electronic money, would they attempt to shut my other accounts?

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they cannot take any retaliatory action

 

 

not allowed/more compo time!


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yesterday i received a letter from HSBC which was in response to my email asking for more information.

 

They confirm that it was to do with a small business loan,

last credit was received on 1 august 2014 and it has an outstanding balance of £910.20,

they state our records indicate a significant amount of correspondence was sent to the address held.

 

I believe the address held was my address i moved out of in September 2005 over 10 years ago,

the bank have all my updated info as i have 4 other accounts with them,

 

 

i do not specifically recall telling them about change of address for this account

but all other accounts were updated correctly 10 years ago,

surely they have my address which i have lived in since 2005

and where i received all other account information from them?

 

Now they have told me it is owed,

i will arrange payment of the amount owed,

this loan was taken out over 11 years ago !!!

 

Surely they should have sent a default notice to my current address??

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the debt is statute barred if you've paid/used it in 10yrs.

 

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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the debt is statute barred if you've paid/used it in 10yrs.

 

 

dx

 

Not sure what that means?

Apparently i paid something in 2014 which was only 2 years ago?

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Not sure what that means?

Apparently i paid something in 2014 which was only 2 years ago?

can you remember paying anything??? if not to ask them prove ? how paid. cheque number. i.e. method of payment by whom?? has been known for CCA1974 request & SAR request be credited to an account when these request cannot be taken as a payment by you!

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

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oh really?

and before that when was the lat payment?

 

 

6yrs no payment any period

 

 

dx


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Reclaim mis-sold PPI Read Here

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I was paying it from my business account by standing order,

last payment was 2014 according to the bank,

 

 

then i shut business down and when we shut business was told everything was ok and bank account was shut,

 

 

i was unaware that money was still owed on loan,

 

 

my argument is i never received any notifications which had apparently gone to an address i lived at almost 11 years ago!!

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ok so not statute barred

not really a valid point that they sent things to an old address.

 

 

were you a sole trader or ltd co?


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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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