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    • thanks all for your great advices and helps so far.   After self-report the event and telling all the truth to my employer, I am now on suspension pending the investigation. I was given the impression that dismissal without notice is very likely.   If this happens, my right to live in the uk will be immediately revoked so I might not be able to stay until court date.   Does anybody know TFL prosecutions team's direct contact number so I can discuss with them how to close the case if I have to leave the UK..   thanks in advance
    • Would it be easier to tell them that you have a protected characteristic if one's been diagnosed and tell them which adjustments you need?   Could someone speak on your behalf if you authorise them to speak to the bank when you're together?   HB
    • Make sure that you track the return of the item and keep a paper trail of its safe delivery.   In the meantime, register with Moneyclaim and start preparing your claim.  99% they will not respond to your LBA or else they will refuse you so get ready now.
    • Then you need to ask them to explain why they have breached their stated policy for data retention.  Also ask them to commit themselves that they do not use some other data storage service/archive.  If they refuse to confirm then you might then say that you will proceed to a hearing -although could be risky.  You could tell them that if you withdraw the case it will be on the basis that they agree in writing that they have breached their own policy. I'm afraid that I haven't gone through the whole thread or refreshed my memory of it
    • I wonder why their support agent didnt seem to think so... I asked them to escalate my issue so we will see.. maybe its because I couldnt provide a specific transaction/transaction date? Anyway I am sending a letter so hopefully that will work.   This is what I am writing:     Dear Sirs,   Account no: XXXXXXXX Card no: XXXX XXXX XXXX XXXX   Please act upon the following instruction with immediate effect:   I withdraw my authority for all future payments to be debited from the above account/card number by PayPal, including continuous payment authorities (the Payment Services Regulations 2009 apply).   FCA regulation states that “you do have the right to cancel directly with your card issuer. Once you have done this, it must stop payments immediately – it cannot insist that you agree this with the company taking the payment first.”   Please confirm in writing that you have received and actioned this instruction.   Yours faithfully,   XXX XXX
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Cabot - HSBC CC

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Hi all,


I followed the instructions from another thread I have going and sent the CCA request back to Cabot and they have responded. At the same time I sent a IRL to HSBC and I have the responses back from both parties that I'll post up here.


Complaint Letter to HSBC - their response

CCA Response from Cabot + the CCA


Hope there's still something to be done.








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I'm hoping I don't have to pay them anything...

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I was with RBS. I was a student back in late 1980s. I ran up a £3.5K o/d. Could not afford to pay it back (I have Serial Startup Personality Disorder). I said that they had 'fined' me more than my overdraft in over twenty years, and that I was not prepared to engage with them anymore. They eventually gave up. Premise is: you cannot get blood out of a stone. 

Do not be scared by these people. They are just trying to run their business model, and as long as you have not made any untrue statements, you are morally and legally in the clear. This is just my opinion, and may not be legally binding. 


Tom.. Xx

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13 minutes ago, MrTRC said:

 (I have Serial Startup Personality Disorder). 


What is that?

Does it have a DSM-5 (or ICD-11) coding?

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@BazzaS No.. :) Just that I like to make new ideas work, but have yet to get good at making money out of them! The ideas have worked, and I am now on my sixth startup. I didn't consider contract law in the past though. I have learned my lesson!

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