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HBOS Insufficient details

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Hi there


Requested Statements from HBOS on three seperate credit card accounts.

They have cashed my cheques and sent a reply sayning that they are unable to process my request as they have Insufficient details?

I telephoned them and they said that they could not find my account Information for 3 accounts.

Now the Question.

If they are saying that they cannot find my account information do I need to pay any more money to them in respect of my debt?

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Hi Jakebear.


I think this is a delay tactic. They have cashed your payment and must hold information on your accounts by law. Write to them (or email) and ask them what ID they need in order to remedy this situation.


Quick question in response to yours....are the accounts current? or are they closed?


If they are current then they must send you some form of statment each month / quarter so they already have enough details on file in order to satisfy their query.


If they are closed they still have to keep records for a number of years. And as long as you have sent a correct DPA SAR (from here) then they have 40 days in order to comply with it or you can begin legal action in order to get the information from them.


Have a look on the HSBO forum, this may be a tactic others have over come.



Hope this helps

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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Guest ChloeJane

Hi there,


Just to check a few things -


1) Did you send the SAR worded as on the template here




2) Did you send £10?


If so and the 40 days is up, then they are non compliant to the data protection act.


You can now send a non compliance letter.




Make sure it is addressed to:


The Data Controll

Banks Head office


Once you have given them the 7 days in this letter, come back and post for some more guidance.


All the best with your claim!



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