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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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Dialatron

Cabot/Restons ClaimForm - old Tesco credit card debt

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No more than about 30 a month - probably nowhere near enough to get an agreement.

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Offer them £2.5k, paid at £30 P/M over 7 years. Title the letter "Withput Prejudice Save As To Costs".

 

You could even be cheeky and go in with a much lower offer - £2,100 over 7 years at £25 P/M.

 

I've got a letter somewhere that you can use if you do decide to pursue this option.

 

Bear in mind, they might not agree - but the key is to ensure the repayments can be comfortably met by you each month. If £30 is all you can afford and they want a higher settlement figure, then just stretch out the repayment term. You should definitely be able to secure a nice reduction though, as it makes no sense for them to spend time and money on seeing the claim through when they can achieve the same nett return via an early settlement, secured by a TO.

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Shamrocker,

 

I would appreciate seeing a boilerplate letter which may cover this option - would this take the place of a Tomlin Order or would I require a TO? (I need to read up on what a TO is today it seems).

 

If I were to proceed with such an option would either side have the option to renegotiate if circumstances changed? e.g. a windfall on my side allowing me to offer a final settlement (for perhaps) a lower sum? Would the claimant have the ability to demand increased payments?

 

Thanks

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A TO is an alternative name for a "Consent Order". You will request that the Claimant draws up the draft order, which you and they then sign and it is then sealed by the court. It's legally binding and you must keep to the payment schedule or they can request immediate judgement should you fail to maintain the payments - hence you should arrive at an arrangement which is comfortable and achievable for you.

 

You might as well try to extract the maximum benefit out of it in any case.

You could also pay off the balance in the future should you have the funds available and want it done and dusted.

 

The Claimant can't unilaterally adjust the terms of the arrangement once it's signed and sealed - but neither can you.

I'm sure you could offer a lower sum down the line, but I'd say it just complicates things and goes against the spirit of the agreement you reached initially.

 

My knowledge of this is fairly general, but someone like Andyorch can advise if you have anything more technical that you need clarified.

I'll PM the letter to you later when I get a chance to look for it.

 

The letter is simply a request for them to consider a TO arrangement - the TO then comes afterwards, if they agree.

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can we see everything restons sent please in ONE multipage pdf

read upload


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

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Hi dx,

 

I could have a go at uploading the lot but the monthly statements would all need redacting and this will take some time - I can do this if it is pertinent there's probably in excess of 50 pages.

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statements are not important/

 

dx


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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Hi,

 

Apologies for being quiet on this

- a family illness put everything on hold and rather placed this as a lower priority.

 

So, in the intervening months I have made no further contact with Cabot/Restons but they have since provided the default sum notice and last week sent a letter giving me 14 days to agree a settlement or they will lift the stay.

 

I have decided that given my domestic situation I would be far better agreeing the affordable figure with them as there are more important battles that need my attention.

 

As mentioned above my circumstances are not financially great (and are now at some further risk due to the aforementioned family health issue), so I would appreciate if any of you have a 'standard' letter which I could use to make the offer which does not compromise my position.

 

Many Thanks

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Refer to post #27 and #29

 

There is no standard template...time is of the essence if they follow through their threat and lift the stay...and thats a big if....conversing by letter takes time.I always advise a swift phone call to test the water first and see if they are willing to negotiate...have a starting figure in mind and a reasonable payment plan.

 

It must be done by way of a Tomlin Order...legally to hold the claim...and to protect yourself...as you state you do not wish to compromise your position.

 

Andy

 

PS we have had a couple of recent attempts tuned down by Restons...full amount or nothing...so bear that in mind.


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I bet the letter doesn't say WILL anything

read it properly.

 

 

dx


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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