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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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Catlady66

Swift advances delayed repo on secured loan absolutely excessive charges

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I would really like to supply that info but I totally have no idea sorry as I have only found the strength to open letters and even then I am having to force myself to do it a lot of the time I walk away from them for a while but eventually make myself open them

 

I have another list of payments or charges not sure if it will day on there

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the sar will tell us everything

 

anything to date you have redact and scan up.


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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

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It looks like one try and two litigations incl most recent, by the charges DX. Drop jaw charges.

 

Well done CL66 you've found good docs.

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yes worth £1000's for their age and int rate.

 

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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I hear Swift are sending out letters now and the CAB is one of their recommendations to contact for help.

 

I hope you are all organised CL66 if that's still the case. Update when you can.

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Hi Determindator

What are the letters they sending out ???

 

I went to a 10 minute hearing at court last Friday... judge suspended order for 2 months and I confirmed I would pay £300 a month the amount I was proposing 2 clear any debt owed to swift until the next court hearing which will be an hour long

 

They received their 1st £300 by direct debit yesterday

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Hi to you CL66. Glad to get news from you. Just general letters to some borrowers who are not clearing the loan debt. You may not receive this letter.

 

Can you tell us what's happened after I suggested a visit to the CAB. The last we heard was you had a hearing on the 14th May.

 

I can see CL66 signed into this thread but not showing as signed in bottom of home page.

 

We would like to know also your progress as you prepare your evidence and WS so if help needed there's plenty of time for helpers to assist.

 

It's magic! I see you on home page now CL66!

 

Hope we hear from you.

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Rang CAB the next day after you advised they were all positive on the phone ... I advised need an appt she asked why I explained my whole situation and she was all positive and yeah we can def help you with that you don't need an appt I just need to transfer you through to someone who can help

 

She proceeded to transfer me to national debtline and yeah after talking to them I might aswell of locked my front door and posted the key through letterbox and never went back

 

Really disappointed with CAB

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It's a shame your CAB has not come up to your expectations but it's not usual and maybe because of their particular resources.

 

The idea is to get an appointment to see an advisor

 

The experiences I know of from others is of immense help and support.

 

That aside, it would be good for others to know how you got to where you are now i.e how did your 10 min hearing get organised.

 

Just reading back, not a hearing 14th May but was a date Swift gave as ultimatum.

 

Glad you got your hearing before that CL66 and you have time to breath and focus after all you've gone through.

Edited by dx100uk
merge/space

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Hi

not been on here for a while had a lot to deal with and try to keep it together but I was back in court on Friday and the judge awarded me the time order I requested to keep my home so relieved for myself and my daughter

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well done!

 

now comes the big slog in getting that PPI reclaimed and al the unlawful penalty charges.


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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ombudsman decided only £700 was unlawful so that's what swift took off the amount

 

I now have a complaint in with the ombudsman who investigated these unlawful charges

 

Swift surprise surprise turned down my ppi claim only refunding the £700 commission they put on it then after refunding it a week later charged me £700 in solicitors fees nice of them.

 

The judge instructed Swifts solicitor 2 go back and tell swift to get the ppi refund sorted before we go back before the samr judge in 3 months time

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ok lets make sure we get the spreadsheet right then..

though you are saying you got the commission back? - plevin ruling ?

if so you cant have both AFIAK.

 

what about all the other sols fees previously you mentioned...was there a court case each time they charged them?


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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sorry what is AFIAK ???

 

The judge was shocked to learn that a £10,000 loan taken out nearly 11 year ago that up to date I have paid swift £25,000 and that the £3,300 arrears they say I owe have now increased to £18,000.

 

The judge wanted to reduce the amount owing there and then but he doesn't have that jurisdiction as pointed out by Swifts solicitor.

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really? he did..

AFAIK = As Far As I Know


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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the judge reduced the interest they want me to pay on the £18,000 from 13.4% to 7%

 

Swift instructed their solicitor no lower than 7% or they will lose money

 

lose money really they have made more than enough from me.

 

Swift also want me to pay it back at £500 a month.

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what about all the other sols fees previously you mentioned...was there a court case each time they charged them?


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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