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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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Logbook loan Co took my car - no warning

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Hi please can some advice me on a log book loan they have taken my car no warning and belongings and are demanding keys thesr people are awful to deal with

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for people to help you they do require a bit more information.

 

you took out a log book loan yes or no

 

then apparently you must of missed a payment yes or no

 

someone else will be able to help you a bit more later

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Yes took a loan out and yes missed a few payments paid a payment in october

 

i moved address well was no fixed abode for a few months and then they wouldnt help what so ever took car without letting me know

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Missed a few payments?

 

When did you take out the Loan?

 

How many payments have you missed?

 

How much did you pay in October? (A token amount, a full monthly payment or more?)

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I take it you didn't notify the log book loan company your change of address, or lack of one.

You missed payments and they will of wrote to you at your last known address.

 

Unfortunately they don't have to let you know after you've defaulted.

They are the legal owners of the car.

The only good thing Is you have 14 days to pay them off before they sell the car, auction costs and recovery costs can be added.

If the vehicle sale does not cover all of this they can come after you for the shortfall.

 

Best advice is either pay them off to get car back or let it go.

 

 

 

Tho is froma quick search on internet for log book loans.

 

Logbook loan repossession

 

If a logbook loan has defaulted, the creditor can repossess your car. They must wait a minimum of five days after the account has defaulted before they can take the vehicle away. They don’t need to take you to court to do this.

 

They’ll usually tow away the vehicle. There are no limits on the time they can do this, so they may arrive late at night or very early in the morning. This is normally done by specialist debt collectors or bailiffs (enforcement agents), and they can use force to repossess the vehicle.

 

Extra charges will usually be added to your debt to cover the costs of removal.

 

After the logbook loan company has taken your vehicle they’ll auction it. If the sale price at auction isn’t enough to cover the whole debt, you’ll have to pay the ‘shortfall’. You can treat this like any other non-priority debt, like credit cards and personal loans, and offer to pay it back in instalments at an amount you can afford.

 

If the sale price of the vehicle is more than the total you owe, the difference must be paid back to you.

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Did you inform log book loan company of your change/lack of address?

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No as i was of no fixed abode

 

But my previous address was giving me my mail

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Also may i add i never received a default notice either

 

Given that you were of no fixed abode, what is more relevant is if they sent the DN to the address they held for you. If they did that and you didn’t receive it because you hadn’t given them an address at which you could have received it, they’ll have met their obligations.

 

But my previous address was giving me my mail

 

My prediction; if you ask them for details of any DN : they’ll note it was sent out to the address they held for you. By all means ask (Just in case they didn’t issue a DN!), but don’t hold your breath.

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No as i was of no fixed abode

 

 

So you didn't inform them.

Why?

 

Maybe because you didn't want them to find out that their car is now no longer attached to the address they hold for you and your in default.

 

Its of little consequence anyway.

They wrote to you at the last known /given address.

They have fulfilled thir obligations.

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But my previous address was giving me my mail

 

 

 

Where were they giving you the mail?

Were you living in their car?

You could of put a royal mail redirection in place.

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Hi i was just sofa surfing until i got back on my feet and i never got a dn from them and i couldnt afford royal mail rederection at the time car was laid up as well

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Where were they giving you the mail?

Were you living in their car?

You could of put a royal mail redirection in place.

 

Redirect mail to for example Ford fiesta AAA666Y parked on High Street anytown?

 

Come on sgtbush Royal Fail wouldn't accept that, OP was Homeless. But yes if they sent DN to old address they the have fulfilled obligations. Op needs to negotiate to get back personal property in the car if possible before it is sold if cannot afford to pay .

 

If someone is living in the car, or a traveller in a camper/caravan bieng chased for a CTax LO from their home before they were evicted or left it to go travelling then it is usually exempt from bailiff seizure, not sure about Logbook loans though


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They were 3 separate questions!

But I get your point.

 

Unfortunately yes, the lbl have gone thru their obligations and will be selling the vehicle.

 

To the op.

What date was the vehicle removed?

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Well I'm afraid that's all the time they have to keep it before auction.

How much is the outstanding balance on the loan and how much is the car worth?

 

Remember auctions are very much cheaper place to buy the car so dont rely on retail price.

 

I'm just worried that they will come after you I their is any shortfall.

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They said 2865 pounds but have put charges on this the is worth around 6000 i still was not given a dn though

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so where was the car when they repo'd it?

well they didn't a powerless repo firm did.

 

left on the road or a drive unroadworthy ?


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Dx, you need to read up on this, they are not powerless. Extract from a simple tinternet search.

 

Logbook loan repossession

 

If a logbook loan has defaulted, the creditor can repossess your car. They must wait a minimum of five days after the account has defaulted before they can take the vehicle away. They don’t need to take you to court to do this.

 

They’ll usually tow away the vehicle. There are no limits on the time they can do this, so they may arrive late at night or very early in the morning. This is normally done by specialist debt collectors or bailiffs (enforcement agents), and they can use force to repossess the vehicle

 

 

Extract from stepchange charity.

 

 

The last bit is the killer.

 

What make/model/year of car as if you thnk its worth 6k, it wont be anyways near that at auction unfortunately.

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repo agents are powerless they are not bailiffs and have ZERO legal powers

 

bailiffs don't do LBL repos unless ordered by a court.

 

please stop scaring people and placing false statements on CAG

its getting beyond a joke.


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Its not.

The extrct is from stepchange chariy.

 

Here is the link

https://www.stepchange.org/debt-info/logbook-loan-debt.aspx

 

Please read it or better still, provide a link disputing what I have said.

 

If you think that not knowing the full picture and consequences is "a joke"

I dont sugar coat replys because forewarned is forearmed.

 

What I dont want to happen to the op is the lbl say there I a shortfall and they come after them again

Edited by Andyorch
edited

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Hi it was outside my sisters house

 

Dx, you need to read up on this, they are not powerless. Extract from a simple tinternet search.

 

Logbook loan repossession

 

If a logbook loan has defaulted, the creditor can repossess your car. They must wait a minimum of five days after the account has defaulted before they can take the vehicle away. They don’t need to take you to court to do this.

 

They’ll usually tow away the vehicle. There are no limits on the time they can do this, so they may arrive late at night or very early in the morning. This is normally done by specialist debt collectors or bailiffs (enforcement agents), and they can use force to repossess the vehicle

 

 

Extract from stepchange charity.

 

 

The last bit is the killer.

 

What make/model/year of car as if you thnk its worth 6k, it wont be anyways near that at auction unfortunately.

 

Honda civic 12 plate 2.2 deisel idtec

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then you couldn't have prevented the repo if it was on the road and not gated and/or locked away on private land

 

if you want the car back your only option would be a time order and as this is 2 weeks old already you need to be very quick with it


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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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From a quick search your car I prob worth around what you say.

Bear in mind auction prices are lower than retail but from what you Say you owe to the value at auction of your car I think it should cover it and you wont be chased for a shortfall.

I know that its not the easiest thing to go through but at least your going to come out the other side not owing them money.

Chalk it down to experience, re group and get yourself another car when you can.

Save for it, dont get finance if you can help.it.

 

Also Stay away from log book loans. Changes in legislation are coming but until they do they are no better than loan sharks in my opinion.

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