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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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LM93

CRS help please!?

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Hi LM, with your answers so vague about dates and amounts, it's harder to give specific advice.

 

But here are some basics :-

 

* You signed up for 12 months and were committed to that in the absence of a cancellation on acceptable grounds (unemployment, illness, injury, etc).

 

* So you owe in total 12 months m/ship fees as a minimum, possibly plus an extra month's fee for the notice you failed to give.

 

* You should not have allowed the DD to be used to pay any admin fees.

 

Can you confirm :-

 

1. The normal monthly gym fee.

 

2. The amount you paid in total by DD's (not anything paid after by phone, etc by debit card).

 

3. The amount you paid other than by DD's.

 

:-)


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I have emailed them 3 times and asked them on the phone

For a breakdown of what i have paid them and the fee’s they have added. They have just ignored me, i assume they know there fee’s are unfair and know im obviously looking in to it.

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Then go to your bank in the morning and invoke the DD guarantee and reclaim the full amount of all DD's paid to them. The bank cannot refuse to do it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sorry but I disagree. The DD Guarantee Scheme should really only be used to seek a refund of amounts that are known to have been taken improperly.

 

LM, Harlands/CRS aren't going to help you at all so forget emailing them about anything for now.

 

Using your bank statements or online bank data, please answer my Q's above.

 

:-)


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My point was get all the DD's back then pay what is owed directly to the gym. Keep harlands out of the picture.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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That's an option but I think any DD's taken properly, and in accordance with the initial agreement to pay the monthly gym fees, should NOT be reclaimed.

 

I would suggest LM only reclaims DD's that were used to take admin fees on top of the agreed monthly gym fee.

 

Let's see when LM provides the info requested.

 

:-)


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yes correct that's what we have been saying

reclaim the sums back to the first payment after the last successful payment of membership to the gym directly.


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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Is there any way for me to insert a picture into here from my phone?

 

CRS have finally sent me a breakdown of all payments i have made and what they have added via email but as it is a picture i cannot copy and paste.

 

The column on the left shows payments yet to be made.

 

The column in the middle shows your initial balance (£198.12) Direct Debit set ups (ON), Direct Debit cancellations (OX) and charges applied or removed (please not negative figures are charges removed from the balance).

 

The column on the right shows payments made to date (please note that negative figures show payments made and positive figures show payments returned by your bank).

 

My gym contract was only for 9.99 per month for 12 months, as you can see i have paid out quite a bit and they want a lot more still due to other charges etc.

218B6F33-E1D3-4FFC-8BAA-8F14B900A79C.jpeg

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Is the DD mandate still in place ?

 

If so, I'd cancel it immediately and stop using the gym.

 

I think it would be wrong to reclaim DD's when you've continued to be a member, or at least rejoined.

 

We've asked specific Q's above but your answers have been too vague. And the info from CRS isn't clear (to me at least). If you had clear answers and could identify dates and amounts wrongly taken, I would be in favour of reclaiming SOME DD's under the DDGS.

 

The only thing that IS clear is the m/ship seems to have started in 2016 and you've been a member for longer (in total) than the 6 months you suggested.

 

Cancel the DD now, tell the gym you're cancelling due to Harlands/CRS unlawful admin fees and IGNORE all further demands from Harlands/CRS.

 

:-)


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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

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I am just going to ignore them i think. I’m not going to claim anything back, ill take it as an expensive life lesson.

 

 

Thanks for the help guys.

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why wouldnt you claim it back. It really is as simple as walking into your bank and telling them to refund the DD to a specific date


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Does it matter that i did not give them notice when leaving? I just canceled the direct debit.

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think we've already explained this

even if you cancel your DD without first requesting to cancel the membership, all you would ever owe is ONE MONTH after [30 days notice is what most gym contracts have]

and you offer to pay that but NO PENLTY FEES, if they refuse..typically we say stuff 'em.


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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Does it matter that i did not give them notice when leaving? I just canceled the direct debit.

 

We normally say to give the month's notice but, in your case, forget it.

 

You've paid Harlands/CRS plenty and now you need to ignore them and their demands.

 

Keep us informed though ............ :-)


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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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I am going to ring the bank today guys and claim back the DD’s i have paid to CRS (i will look at my statemtns to see what date it changed from gym payments to CRS payments) any idea what i should say to the bank (why i am claiming it back)?

 

I am also going to write a letter to CRS offering one months payment, take it or leave it.

 

This sound ok to everyone?

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They did not write prior each time go advise you of the change to the dd mandate

And theybare not named on the dd anyway??


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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They did not write prior each time go advise you of the change to the dd mandate

And theybare not named on the dd anyway??

 

They have sent me letters saying theyve put on 25 pound missed payment admin fee’s. The money comes out to ‘moneywise services’ on my bank statement.

Edited by LM93

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Could anyone help me with a template letter to send to CRS offering them one months gym fee? Its very difficult to navigate this site on my phone.

 

Thanks in advance.

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no they've sent letter stating they will charge you an admin fee of £XX on date xx not that your DD will thus be this figure this month and we will take it on XX date.the fees are unlawful and they know this but 99% of people don't 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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Well if i am well within my right to claim the money back then i will. Thanks dx.

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You are WELL within your right to claim it back.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Rang the bank today and gave them the first payment date and the last. The guy on the phone had never done anything like this before so was clueless. He said he has no idea of i will get my money back or not.

 

I am going to send a letter to CRS offering them one months payment.

 

Should i include in the letter the fact i have claimed back the dd?

 

Will keep everyone updated.

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no.

should of asked to be transferred to someone that knew what they were doing

refunds under the DD guarantee scheme should be instant, no need to wait for any paperwork to be 'filed out and submitted upon your behalf'...


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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Don't bother writing to Harlands (not CRS) until the bank has made a refund.

 

IMHO you should only seek a refund of any amount taken by DD that exceeds the normal monthly gym fee.

 

:-)


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Don't bother writing to Harlands (not CRS) until the bank has made a refund.

 

IMHO you should only seek a refund of any amount taken by DD that exceeds the normal monthly gym fee.

 

:-)

 

I am only claiming back the money taken by ‘moneywise services’

 

Once i canceled the dd for the gym i stopped using it and could not gain access. This is when i started paying CRS. They have took 215 pounds off me so far for a 12 month contract at 9.99 per month. And they are still asking for another 250.

 

I want every penny back i have gave them. Absoloute **** bags have had my head in bits at times.

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