Re: HSBC advice please.

by Trishiapp28 Thu Sep 23, 2021 7:17 pm

Thank you Mrblue.

I gave them another 30 days for no good reason. I guess I thought that they would need that from the time they contacted me back asking to call them or to go into the branch to ‘prove’ it’s me.

On it… I will put together a complaint tomorrow. Should I add copy of my request with it? Thank you very much.

by **daveiron** Thu Sep 23, 2021 8:50 pm

Personally i would not bother with a copy, They have your original request
and sent a response ,so therefore there is no dispute that they did not get it.

by Trishiapp28 Fri Sep 24, 2021 6:16 am

Complaint to ICO done. Let’s see if that gets them going.

by **daveiron** Fri Sep 24, 2021 8:39 am

Has the time expired yet. If not your complaint will be rejected on those
grounds

by Trishiapp28 Fri Sep 24, 2021 8:44 am

daveiron wrote:Has the time expired yet. If not your complaint will be rejected on those
grounds

The initial request was done beginning of August with 30 days deadline. Then they replied that I would have to call them or go in person to the branch to ‘prove’ that it was me making the request.

I wrote to them pointing out that I will no be doing either and to contact me only via Royal Mail. I gave them extra 30 days for no reason. Presumably, based on the original request, they are noncompliant already. Hope this makes sense.

by **assassin** Sat Sep 25, 2021 3:59 am

Why are they making an assumption it is not you? if you have signed your correspondence you have accepted liability for this request?

They have your details; your name and service address, and they have contacted you using this method so this needs pointing out to the ICO in your complaint along with the lawful maxim of non assumpsit which means assume nothing.

by Trishiapp28 Fri Oct 01, 2021 1:58 pm

I think my complaint got them going

Attachments

: C50827EB-F29C-427B-AFB0-DAAC32EB707B.jpeg You don't have permission to download attachments.(1.8 Mb) Downloaded 16 times

by Trishiapp28 Fri Oct 01, 2021 2:11 pm

The attachment didn’t upload particularly well, but essentially they are saying that they will comply now and that my first request didn’t go to the right department. Asked me to give them my email address so they can send my info. They can forget about that! It says that, if they don’t hear back from me with my email address they will send it via post as soon as possible to my home address. They didn’t provide a time frame of when this will happen.

by **daveiron** Fri Oct 01, 2021 2:40 pm

Also there is no reason why they cannot also send recordings with the
other info.

by Trishiapp28 Fri Oct 01, 2021 3:12 pm

Thank you daveiron.

Do you think I should write them to request that also?

by **daveiron** Fri Oct 01, 2021 4:51 pm

They were the ones refering to phone recordings, If they dont supply
them ,write and request them.Do you know if there should be recordings?

by Trishiapp28 Sun Oct 03, 2021 2:01 pm

daveiron wrote:They were the ones refering to phone recordings, If they dont supply
them ,write and request them.Do you know if there should be recordings?

Thank you daveiron. I’m not aware of any recordings that may have, to be honest.

So, yesterday I’ve received a notice of arrears. The question that I have is, do I send them the first letter as a response to it, or shall I wait the default notice first?

Thank you very much for your kind advice in advance. I really appreciate it.

by Trishiapp28 Sun Oct 03, 2021 2:09 pm

by Mrblue2015 Sun Oct 03, 2021 4:35 pm

Await the default notice if you want to use the process at some point.

And make sure you never dispose of the default notice / you keep it safe!

by Trishiapp28 Sun Oct 03, 2021 4:39 pm

Thank you Mrblue, I will.

by Mrblue2015 Sun Oct 03, 2021 6:55 pm

Also, for future reference, there is honestly no need for you to upload any photos of documents (even masked ones). We’ve seen them all before / we know what to expect Smile

Just make sure you keep every single document, including your respective responses, in chronological order and filed somewhere, hidden away so that you don’t have to constantly remind yourself of these insignificant ‘pests’ Wink

by Trishiapp28 Sun Oct 03, 2021 7:14 pm

Of course Mrblue, I have absolutely no doubt you’ve seen it all before. I will only upload any letters/ correspondence if necessary. Thank you yet again.

Yes, the first thing I got was a file & I keep in very organised. Something tells me it is going to grow in volume over time.

May I wish you a lovely evening.

by Mrblue2015 Mon Oct 04, 2021 7:23 am

Thanks Trishiapp28. Just ask in future before you upload and we'll let you know if we really do need to see the whole document, which is very rare Smile

(It's also a storage issue i.e. there is only so much data we can hold and .png / .jpg files etc take up a lot of storage)

Well done (the file)! My journey is over now, but I kid you not, the thickness of it (i.e. the documents) is approx. 3 or 4 inches. Then again, I was simultaneously tackling three credit cards, a loan and an overdraft haha. But that's approx. £20,000 now 'written off' or, to be precise, statute barred as per the Limitations Act.

Have a good week Smile

by Mrblue2015 Mon Oct 04, 2021 9:34 am

Actually, I should qualify my last point regarding statute barred.

What I meant was, some DPs had long since admitted the alleged debts were (legally) unenforceable and I heard nothing from them for a several years or so and then those became statute barred. Proved the GOODF process worked.

One kept wasting my time (and theirs of course) because they would not admit the alleged debt was unenforceable. But then the time ran out and the alleged debt became statutes barred. Bless them and the inefficient use of their time and therefore (real) money… Wink

Nonetheless, it again proved that the GOOD process worked.

by Trishiapp28 Mon Oct 04, 2021 9:48 am

That’s inspirational Mrblue thank you for giving me encouragement via your story. I’m hoping that one day, I too, will share a success story.

by Mrblue2015 Mon Oct 04, 2021 12:00 pm

You're welcome! And if you follow the process diligently and you remain super organised (that's two ticks for you so far from what I've learned from you) you all all but guaranteed success. Watch this space...

by Trishiapp28 Mon Jan 10, 2022 6:57 am

Dear all.

First of all, may I please wish you a happy and prosperous new year. I hope you are all in good health.

Well, my situation is somehow unchanged. I have received my documents re: the information HSBC held about me. I had a look at it and it’s pages upon pages of bank statements, and similar. I will keep looking through it as I need to.

As for the communication with them? Well, apart from two letters expressing how sorry they are that I am struggling, I’ve not received a default notice, yet. Also, I keep receiving text messages & the occasional email requesting that I contact them .

The question that I have is this: do I respond to these electronic communications or wait for a proper ink and paper letter sent via Royal Mail before I respond.

My concern is that, in this digital world, they are going to issue me a default email, that I might miss, and take me to court based on that.

Thank you very much in advance.

by **daveiron** Mon Jan 10, 2022 9:43 am

Notice to Cease and Desist

you have been informed on several occasions that i can accept
correspondence via Royal Mail only. Despite this you continue to attempt to
contact with me via text, telephone calls & emails.

Take Notice that unless you comply with my requirements ,i will have complaints
made to the relevant bodies.
I am attempting to settle this matter in honour and therefor require all contacts
to be in writing for my records.

----------------------------------------------------------------------------
or something along those lines ,you could also give the dates you notified them
as such.

by Trishiapp28 Mon Jan 10, 2022 2:19 pm

Thank you daveiron for your kind advice.

I will get on it & send it tomorrow

by **assassin** Mon Jan 10, 2022 3:47 pm

Two noted issues, firstly their claim has no foundation as it is unsigned and therefore nobody is accepting liability for this claim which makes it invalid under commercial law (Maxim 4) as it has to be true, correct, and complete and by not signing it the document is neither correct or complete so ensure you rebut it in substance with Maxim 4 of Commercial Law.

Secondly, they are trying to get your personal information with your E-mail address and if you provide this it becomes consent by actions and you are consenting to them contacting by E mail without knowing it, so don't give this personal information and don't consent by action. Part two of this is the collection of your personal information as they use this to create Joinder and they can also profit from supplying this E-mail address joined to this name for their profits and this is more valuable to them as it can be sold many times.

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