Jump to content


  • Tweets

  • Posts

    • 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 
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 958 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello

 

I have received an email from Bristow and Sutor that looks like spam but it caught my attention purely because it is addressed to myself and my ex. After looking up the company online I am certain it will be due to council tax arrears from 2012.

 

At the time we we’re living together, sharing with another couple. We called the local council, we wrote to the council and I even sent a bankers draft in the post with a letter explaining that we would like to start payments etc and we received an acknowledgement. But after months of trying to pay we got nowhere, even the landlord tried to help and wrote to them until the point we were moving out and we eventually gave up.

 

I haven't spoke to our flat mates since as we never got on anyway, we moved to a new place before we later broke up in 2015. She now lives at the other end of the country and we are not on speaking to terms. She was never good financially so I doubt I would get much joy from contacting her myself.

 

I'm very concerned by all this as I have always paid my way and never been any negative debt and after reading things online about Bristow and Sutor. All of this has occurred as a direct result of the local council's error and I have never had any communication from them whilst we were at the address or since.

 

Where do I go from here? I really don't want to deal with Bristow and Sutor paying their fees and dealing with them. I don't see how that will help me.

 

Do I contact the council? Explain and Pay them what I owe directly?

 

At the moment I've not received any post, just an email

 

Any help or knowledge would be hugely appreciated Thanks!

Share this post


Link to post
Share on other sites

An email might signify that they don't have a postal address for you and are hoping for contact to be made. The council will have a liability order, probably both in your name and your ex. They are not worried who pays.

 

If you wanted to, you could phone the council concerned ( but withold your number) and ask them for details of any liability order. E.g when it was obtained, dates of council tax liability and how much. Don't provide any of your current contact details as they will be given to B&S.

 

The council won't let you pay direct to them and will tell you to contact B&S. They won't allow you to pay your portion of the tax and remove your liability.

 

So you are really stuck in dealing with this, if you only wanted to pay your portion excluding any fees to B&S.

 

You could send an email complaint to the council concerned about the issues you had at the time and ask them to look into it. Advise that you will seek to involve the Local Government Ombudsman, given the administration problems that they caused and led to the liability order situation which could have been avoided. The council might be forced to take the debt back from B&S and you can then try to deal with it.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

The LGO cannot force the council to take the case back from an enforcement agent, their decisions are not binding on a local authority (although the local authority will generally follow their recommendation).

 

One thing to look at is what was the tenancy originally - was it a joint tenancy with the other couple in respect of the whole property ?

 

Craig

Share this post


Link to post
Share on other sites

Never said LGO could force council to take it back. I said involve the LGO if necessary and if there were issues then this may force the council to take it back to deal with. I tend to think of the likely practical position, where if the LGO sees administrative problems that might have partly caused the liability order, that they are very likely to tell the council that they should seek an amicable solution to this and cancel the liability order. With no liability order, there is then no enforcement actions.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thanks for your replies

 

So if I were to find out exactly how much is owed to the council, could I then pay them directly and in full?

 

I just don't want thing hanging around my neck - I would like to have an ombudsman involved to review the case and settle it as I don't trust the council but I fear that once I make myself known to them its just going to lead to me being hassled by the bailiff company

Share this post


Link to post
Share on other sites

 

One thing to look at is what was the tenancy originally - was it a joint tenancy with the other couple in respect of the whole property ?

 

Craig

 

Three of us were on the tenancy, me, my ex and a flatmate.

Share this post


Link to post
Share on other sites
Thanks for your replies

 

So if I were to find out exactly how much is owed to the council, could I then pay them directly and in full?

 

I just don't want thing hanging around my neck - I would like to have an ombudsman involved to review the case and settle it as I don't trust the council but I fear that once I make myself known to them its just going to lead to me being hassled by the bailiff company

 

It was a joint liability between those noted, not a split amount. Once an enforcement company are involved, the council probably won't touch it. Even if they accepted payment, they are required to hand it over to B&S, who will take part of it towards their fees. You will then continue to be chased until tne liability order and fees had been paid.

 

If you have a genuine complaint and wish to start dealing with it, then starting an official complaint with the council is best way forward. If you email them first, then see how they respond. That way, you have not given your postal address.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Well if busted and stupid have not sent you a notice of enforcement then....


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 

 

Share this post


Link to post
Share on other sites

Go ring the council and check they have a liability order


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 

 

Share this post


Link to post
Share on other sites
Hello

 

Do I contact the council? Explain and Pay them what I owe directly?

 

At the moment I've not received any post, just an email

 

Any help or knowledge would be hugely appreciated Thanks!

 

Yes, you must contact the council before you do anything else.

 

When speaking with them, its important that you ask them what they have been doing since 2012 to recover this debt? This is because, there has been a very recent Local Government Ombudsman's decision regarding length of time taken before seeking recovery.

 

Please post back once you have spoken with the council.

Share this post


Link to post
Share on other sites

The Ombudsman is the best way forward especially in cases of administrative errors.

 

I am in agreement for the time being your current address is unknown to both the council and B&S and that is the way you should keep it, you are under no obligation to divulge your address to make a complaint to the council.

 

Simply email your complaint to them and request any response is sent back to you by return email address.

 

Normally the complaints process with a council is a 2 tier complaints process,

first you complain they respond, and if you don't agree you request them to look at the complaint again,

 

if the 2nd response is unfavourable then you take your complaint to the LGO,

 

some councils do require a 3rd line of complaint which is usually sent to the Chief Executive,

Sandwell Council adopt this approach as I've been there and done it with them

and ended up going to the LGO to get a favourable result.

 

And remember you are under no obligation to disclose your address, communication can be done strictly via email.

 

If they want an excuse just tell them you are of no fixed abode and are sofa surfing between friends, that way they have to communicate via email.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...