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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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Hi all. 

 

My wife and I are entering Into an IVA, due to my children’s health and this having an impact on my health and ability to work as much we are unable to meet our bills and live. 

 

The creditors meeting was held yesterday and the IVA people have come back to me with some changes which I think are totally unacceptable, my wife and I both have blue badges and receive PIP. We have 5 children, including 18 Month old poorly twins who are often in hospital or at hospital appointments. My wife and I also have regular appointments separately, the reason I am saying this is because one of the changes are in relation to our vehicle which is on finance and more is owed than the vehicle is worth. 

 

I will paste below what we have been sent - 

 

Quote

- The debtors must apply for Carers Allowance and provide evidence of the decision to the supervisor within 16 weeks of the arrangement being approved.  60% of any monies being received as a result of this must be introduced into the Arrangement for the benefit of creditors.

 

- If any instances of co-habitation with the Debtor by any person aged 18 or over occur during the term of this Arrangement and where there is reasonable expectation that Board and Lodging should be paid, the contribution will be added into this Arrangement in full

 

- The debtor must make immediate arrangements for the sale or return of his vehicle, any shortfall may be introduced into the IVA.   The debtor may retain £250 per month to obtain a replacement vehicle with the surplus funds being introduced into the IVA for the benefit of unsecured creditors.

 

- The debtor is to seek alternative car insurance with a view to reducing the currently monthly expenditure.  The debtor is to provide the Supervisor with documentary evidence of his investigations within three months of approval.  Any surplus is to be introduced into the arrangement for the benefit of creditors.

 

- No variation meeting may be called during the first 24 months of the voluntary arrangement which will lower the dividend available to unsecured creditors

 

- Voluntary contributions are to increase to £185 in month 11 when rent arrears end rising as per the original proposal and in accordance with reviews

 

 

 

Now we can’t get careers allowance and if we were to apply again - both being in receipt of pip is likely to trigger assessments on us both again (happened last time we applied for this) 

plus I earn more than £123 per week. 

 

When we were going through the proposal I was assured the vehicle would be protected due to our health status and the need for the vehicle we have. Yet they want me to hand it back, add extra debt into the IVA and find another one for £250 per month - with 5 defaults and a trashed credit record.  ? I have outright refused this so far. 

 

The car insurance one is laughable, who buys car insurance that isn’t the cheapest to meet their needs ! In any case it’s paid now for the year ..... 

 

I can’t agree to no variation meeting for 24 months as I’ve unstable health and ill children, I can’t predict what will happen during that time ! 

 

 

 

Is there a way to approach this to maintain the vehicle etc ?

 

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I seriously question the need for an IVA for consumer credit debt.

 

why cant you deal with them yourself?

 

can you list your debts please?

 

most of your debts as you say are already defaulted so wont be that long remaining on credit files i bet

 

dx


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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

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The defaults are all recent, there are more historic ones.

There is £6k of hmrc debt also for tax credits overpayments. 

Furniture finance of £4K 

numerous credit cards which all recent (last 2 years or so). 

 

I can’t list everything as I’m working and don’t have the info with me. 

 

Edit- to be honest we haven’t got the strength or time with our health and babies health to deal with them ourself, it would be too much. 

 

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The creditor demanding these changes is refusing to ‘negotiate’ and causing the IVA to be rejected. 

This is now going to force me back onto beneifits as I’ll have to quit work - not enough hours to cover the bills. Can’t find other work - I’ve tried ! 

 

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probably a good thing then.

 

 


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

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Just now, dx100uk said:

probably a good thing then.

 

 

How you figure that ?

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post 2.

 

you can deal with creditors by sending our pro rata letter making a small offer.

 

 


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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4 minutes ago, dx100uk said:

post 2.

 

you can deal with creditors by sending our pro rata letter making a small offer.

 

 

 

We have over £2000 outgoing bills per month. I can only just afford the £160 Iva payment monthly ..... I can’t see how offering them a lower payment is going to help 

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just type no need to hit quote....

 

then you offer <£5 to each one.

they are duty bound to HELP YOU.

 

if they refuse.

you send the 2nd letter that says you are not helping me 

heres £1PCM till I die ..now go away.

its quite simple

then you've not got a stupid IVA around you neck that does you over for another 6yrs on any credit.

 


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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But they will still chase us and can take court action .... not a solution to us ? 

 

 

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no THEY wont..

a dca that buys the debt might..eventually..possibly..

OC's don't do court.

so play them at their own game..they must help you.

that will give breathing space on all debts

then you can re group..

 

TAKE CONTROL its YOUR MONEY

not BE CONTROLLED

as to what you do with it.

 

it really is quite easy once you string things out and break them down

overall to date looking at your threads 

you've done fine.

 

 

 

 


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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