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Cabot chasing HSBC OD - all fees


iamgnome
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  • 3 months later...
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Thanks BankFodder. So it's been over 3 months but no word from HSBC on the SAR. I sent them the template from this site and also by recorded delivery, so I know they received it. Cabot also just got back to me saying they'll 'hold' the account for 3 months to update them (which is laughable because it sounds like they haven't got the data either lol). What do now?

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chase HSBC

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they must

 

responding to an SAR is a legal requirement. they had 30days if you read what you sent them..

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You have a way with words 😉 Thanks Dx. Shall I give them another month and if they don't respond then complain to the ICO?

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where did you send it ,,,go ring them and ask it was signed for so should have been actioned...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Posted (edited)

Thanks dx, that's a good idea. In which case I'll do both, send a letter and ring them. Last question, what do I even 'update' Cabot with? Do I just tell them to **** off in polite terms?

Edited by iamgnome
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yours is not the next move, never enter pointless letter tennis with a powerless dCA.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Hi guys - so... been over a month since my last letter and no response. I've tried to phone them too but it only works for customers which I am no longer. Do I go to the ICO now (that's what I said I'd do in the letter)? If so, grateful for any resources CAG has on this.

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ofcourse you can ring and chase regardless to not being an active customer

what address did you send the SAR too?

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Posted (edited)

What's the number? I tried the relevant ones on their site and they keep asking for account details.

 

I sent the SAR to head office in Canada Square. Does the address matter? I read you can send it to any branch and they have to process it.

Edited by iamgnome
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hsbc uk site says under sar:

 

You can exercise your rights by contacting our Data Protection Officer,  P.O. Box 6201, Coventry CV3 9HW addressed ‘for the attention of the DPO’.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx - just checked Royal Mail and it says the original letter was rejected and then rerouted to Coventry. This means they received it but should I just send one more chaser to that above address? Also anything specific I should say?

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give them a on 03456 040 626

 

see if they will give you the number for the DPO dept?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Dx, cheers - I tried that same number. You can call it yourself and you'll find it won't let you go further without entering account details. 

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hit # or * key one will always get you a human on automated call systems

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I had no idea! Just tried it and it seems to have taken me to the human queue. It's a bit late now but I'll give them a call tomorrow. Cheers dx!

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Posted (edited)

Lol... I phoned and they "have no idea" what my request is about and can't help (i.e. transfer me to a DPO department) without an account number. So... they told me to go to a nearby branch! I'm beginning to lose my patience with HSBC now!

 

This thread talks about a similar situation and there's an email address there. Worth emailing them do you think? 

Edited by iamgnome
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and send a new sar as well to them.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i was simply airing on the side of they never got it for whatever reason.

its not really an issue that do date you've not got the statements

cabot aren't chasing and rarly go anywhere with OD debts, they simply hope most people are mugs and think a DCA has magical powers.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx - I've given them a few days just to respond. If I don't get it, can I send a new one and put out a complaint to ICO for the old one?

 

Sounds good on the DCA point. I mean, I don't think they've got any of the data either, which would be funny from our PoV.

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