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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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Banks78

Claim Form Lowells/vanquis

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Hi all

 

 

I have received nothing from Lowells solictors or otherwise.

I still cannot find my last payment date,

its not on my clearscore,

Just the date I set up the account.

 

 

Also Vanquish are refusing to give me the information.

I am a little stuck now as to what I need to do?

 

dx100uk : I was advised by martin2006 at the start of this thread to send off a letter to vanquish.

It is Lowells Solicitors now BW that I have received a letter from.

 

Sorry for late replies but I am on a laptop that I borrow and don't always have access to this.

 

I have 5/6 days to for a defence and I am a little stuck as to what to do next if I haven't received a reply from Lowells.

I am also slightly panicked now that I have sent a letter to the wrong place :-/

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well not your fault you weren't near a PC to see the replies.

 

 

if the CPR has not been replied to

then I suppose you could file the holding no paperwork defence

but as vanquish have the agreement it wouldn't be too diff for lowells to get it either I suspect.

 

 

can you confirm the date the account was opened please


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The last payment date is irrelevant now as the account itself was opened less than 6 yrs ago and a credit agreement has been produced, whether its enforceable is another matter so if you could scan and redact then upload it in pdf it can be checked.

Until then you are either filing a no paperwork/holding defence or you may need to consider offering a Tomlin Order to settle the claim. This would prevent a ccj if it now does get to court.


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Ok I will try to get to the library tomorrow to get it scanned. I assume you just want the front cover page they sent? I should block my name address and personal info?

 

 

is there a link to tell me what I need to write in regards to the no paperwork defence? Also if I file this no paperwork can I then apply for a Tomlin order? ( do I send a request for this to Lowells? or through the court?)

 

 

Sorry for all the questions, I am just a little lost.

 

 

Thanks

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You ask for a Tomlin Order through Lowells or the solicitor they are using. If they have you bang to rights seriously consider it. I have one myself and pay £5.00 a week. It stops a CCJ but you will be admitting the debt so stop payment you will get a CCJ.

 

Only do this after exhausting all your alternatives as it is final

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If you search for no paperwork/holding in the cag search bar, on the red bit at the top, there will be hundreds, adapt one for the PoC on the claim.

 

The Tomlin Order would be requested as a means of settling out of court via the claimants solicitor, if you get backed into a corner and they produce an enforceable agreement, that may be the only way left to avoid a ccj.

 

Block all the personal info and reference numbers etc and scan everything they sent, into a multi page pdf, not just the front page pls


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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might be better to just copy your thread title into the search cag box of the top redtoolbar.


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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Thanks all, Will do this later after work.

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