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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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pigrocks

Link and Barclay card debt - 6620000 blank CCA return **ACCOUNT CLOSED**

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Have you checked all the above requirements and what they have sent complies ?


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Well, the photocopied letter from Barclaycard (which is addressed to me, although it has clearly been sent directly to Link) states that they 'enclose a reconstituted copy your credit agreement together with a copy of the terms of your credit agreement.." However, as my links show, all they sent were copies of the terms only. There is no actual agreement form at all.

 

It would seem to me that they haven't complied at all?

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thread tidied

attachment now attached to the post above rather than a link.

 

 

its the std 66220000 stuff they send out to everyone that requests a cca from bc,

 

 

there one set of t&c's that has your details at the top and a generic agreement

don't think we've ever seen a case where these proved enforceable.

 

 

dx


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Well, the photocopied letter from Barclaycard (which is addressed to me, although it has clearly been sent directly to Link) states that they 'enclose a reconstituted copy your credit agreement together with a copy of the terms of your credit agreement.." However, as my links show, all they sent were copies of the terms only. There is no actual agreement form at all.

 

It would seem to me that they haven't complied at all?

 

Correct there is no actual agreement...there is a " please sign this agreement sheet " but no actual agreement just T&Cs...so yes they are in default.


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Thank you Andy for your response.

 

So,

if I am understanding everything correctly,

what they have sent me is absolutely fine and they have fulfilled their obligation to my request? No because there is no agreement enclosed reconstituted or otherwise.

If that is the case, where do I stand now? Your decision...I personally would ignore link

Do I have to start paying them? See above

 

Your last line states:

 

 

"Provided that the creditor makes it clear that it accepts that the agreement is unenforceable pending compliance with section 78, there is nothing further which the debtor needs to do at that time."

 

Does this apply to me?

Yes

 

Andy


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Andy

Thank you very much. I will ignore them gladly!

How long though do you think they will persist?

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Andy

Thank you very much. I will ignore them gladly!

How long though do you think they will persist?

 

How long is a piece of string ? Until they get bored and know your not biting back.


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Hi,

 

Please help!

 

I received this letter from Link yesterday.

 

Do I ignore it, or do I need to send them something?

 

Thank you in advance.

Link 10.02.17x.pdf

Edited by pigrocks

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Its Default Notice issued by a DCA who is not entitled to issue one....only Barclays can issue it.

 

Andy


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hehe that a very weird letter

1st link as a debt buyer cant issue a default notice

only the original creditor can.

 

 

its written on the 10th feb 2017

 

 

giving you till the 26th

urm only 15days even if it was something they could do.

 

 

 

 

is this debt on your creditfile already

if so whats the defaulted date?


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Thank you. In that case I will ignore it.

I was wondering if they can carry out their threat of intended action - commencing court proceedings & informing Credit Reference Agencies of the 'default'.

 

Its strange. According to my Clearscore report, there is a Link Financial account with an account open date of 19th July 2009 (the date the original account was opened with Barclays).

When I check to see the paymeny history, there is a full payment record all the way back to feb 2013 with no missed payments.

 

When I check the closed accounts section, there is the Barclays account, opened on 19th July 2009, last updated October 2016, with no payments on the account between March 2014 and May 2015.

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that's what you should see

now theres no default date?

 

 

go check noddle too


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Hi DX100

 

Noddle tells me that the Link Financial account was opened on the 19th July 2009 and the status is up to date with OK monthly status between October 2016 to present, despite me not having paid them anything.

The closed Barclaycard account does not show up anywhere on Noddle. I checked the closed accounts and open accounts.

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Hi, here is yet another letter from Link, received yesterday (27th March, although dated 23rd).

 

This one is just demanding money,

but the last letter I received threatened court action and passing information on to the credit reference agencies - can they do either of these things?

 

I can ignore letters easily, but I'm worried about the legitimacy of their threats.

Link 23.03.17x.pdf

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they cant default only the OC can.

 

 

as for court

they have no more legal powers than you or I

in otherwords all they can do is issue a speculative claim.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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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I wanted to give a quick update on my situation, as things have finally reached a conclusion.

Link Financial have closed my account!!

 

It took six months of ignoring them completely, but eventually they have given up.

 

I want to thank you all of those who have offered their advice here,

and also to encourage anybody going through the same thing to persevere and to trust what the guys here have to say.

 

 

I will say that I was worried throughout,

because you just don't know how serious their threats are,

but in the end the advice I was given here was absolutely spot on.

 

Thank you all once again.

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well done

another fleecing attempt bites the dust!!

 

 

 

 

dx

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Please help.


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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" Link Financial have closed my account!!"

 

Closed " the account " you have not got an account with them so no " my account ":wink:

 

Well done.

 

Andy


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