HSBC put all my debts down as "bank accounts"

[The Debt Star]

Re: HSBC put all my debts down as "bank accounts"

Complain to the FOS too.

Good to see you have a GSOH Lion. I'm sure the hold-up movie cheered you up

[CleverClogs]

Re: HSBC put all my debts down as "bank accounts"

What can the financial ombudsman do?

One service at which he and his minions are especially accomplished is that of wasting time. On other matters, they have been noted to exhibit some difficulty with human anatomy, specifically in differentiating accurately between an ischial crest and the distal end of a humerus. :tinysmile_grin_t:

is it legal to convert credit agreements and all other sorts of debts into a current account and sell them to a DCA?.

It is quite lawful to sell or otherwise to assign any legal chose or right unless where specifically prohibited by statute law, but it is not lawful to misrepresent the nature of the chose being assigned.

To aver that the debts each arose from an ordinary bank account would effectively deny that lawful and binding Consumer Credit Agreements ever existed between you and the bank.

This is why it is imperative for you to submit a Subject Access Request, enclosing the statutory maximum fee and, when the bank fails to respond in the permitted time - 40 days - to seek an order in the County Court to compel disclosure.

[lionman]

Re: HSBC put all my debts down as "bank accounts"

Thankyou for all your help guys, it is helping loads. I had been with the bank over ten years so they should have plenty to send me on this SAR asking for every single detail on me down to even a post it note with my name on

I watched the new film "Inside Job" last night and all I can say is, if you are interested in how dodgy banks are then watch it. It is a documentary narrated by Matt Damon interviewing top crooks, sorry "bankers" on how the economy crashed a few years ago and how they caused it. All who drove their own huge banking companies into billions of dollars worth of debt and bankruptcy walked away with their own person billion's. It will get you angry and show you what a law to themselves they are.

It also got me thinking, I am a web developer by trade and I keep reading of many people who have had their HSBC loans, cards etc turned into bank accounts packaged up and sold as an investment portfolio to DCA's etc as it suits HSBC not to have credit agreements for these (there are at least 2 here who have been done by this). Is there any mileage in me detailing all of this, going on every forum, getting details of every person this has happened to, their names, what happened, how much and putting a case together backed up by a website people can submit their details to?. I am not sure what it will achieve but the way that HSBC do this seems illegal to me and if I can get everybody who has had this done to them to give me their details then maybe I can put a much larger complaint case to the FO, ICO, the press etc

I know I am seeking my own help with getting this resolved with HSBC, but I think overall there is a much bigger, darker side to this that needs bringing to light. Unless HSBC write back saying oops their error all your accounts are settled now (which would never happen) then I can only assume they think they never make errors and have never resolved this for anyone and make the rules up as they go along. I need to bring this all to the attention of the right people who can do something about it and issue them the relative fines and headaches and help what is probably thousands of people in the same boat at me.

HSBC may be the hunter, but they have now awoken a bear. What happens when you wake a bear? it stands up and beats the **** out of you
:beagle:

[The Debt Star]

Re: HSBC put all my debts down as "bank accounts"

Hey that film sounds really interesting, thanks for recommendation!

Bearman or lionman? lol

[CleverClogs]

Re: HSBC put all my debts down as "bank accounts"

HSBC may be the hunter, but they have now awoken a bear. What happens when you wake a bear? it stands up and

... goes for a crap in the woods?

[lionman]

Re: HSBC put all my debts down as "bank accounts"

They responded to my SAR but saying they need my signature, or they can send it all to a HSBC near me where I can again take a signature to collect it. Yet they have sent all of this highly sensitive financial details to me at this address before without seeing my signature?.

They also state as I have requested details of everything they hold about me some is in different departments and I need to send £10 to each department, thats not my problem is it? £10 SAR is for HSBC regardless of how many departments it is spread over, surely that is their problem?.

What do I send them now guys?. As far as I am concerned the 40 days is ticking by, they can ask for what they like but unless its a legal response to the SAR request then time is running out for them.

[CleverClogs]

Re: HSBC put all my debts down as "bank accounts"

They responded to my SAR but saying they need my signature, or they can send it all to a HSBC near me where I can again take a signature to collect it. Yet they have sent all of this highly sensitive financial details to me at this address before without seeing my signature?.

Precisely.

If you were to send them a letter "signed" with your name in a handwriting font, would they comply?

They also state as I have requested details of everything they hold about me some is in different departments and I need to send £10 to each department, thats not my problem is it? £10 SAR is for HSBC regardless of how many departments it is spread over, surely that is their problem?

No, as it is technically an untruth which is commonly termed a lie.

The SAR is submitted to their data controller, of which there is one per organisation rather than one per department.

What do I send them now guys?. As far as I am concerned the 40 days is ticking by, they can ask for what they like but unless its a legal response to the SAR request then time is running out for them.

When the time has run out, you will then have to decide whether you want to complain to the ICO - who will take months to do next to bugger all - or to seek an order from the County Court to enforce compliance.

[Crispybacon]

Re: HSBC put all my debts down as "bank accounts"

They also state as I have requested details of everything they hold about me some is in different departments and I need to send £10 to each department, thats not my problem is it? £10 SAR is for HSBC regardless of how many departments it is spread over, surely that is their problem?

Complete rubbish. Inform them that you will be reporting them to the ICO unless the FULLY comply with your SAR and that the timescales from your ORIGINAL request still apply.

[lionman]

Re: HSBC put all my debts down as "bank accounts"

hi guys

Received another reply from HSBC stating they are refusing my SAR unless I send them a signature. I have again sent them the letter stating my signature is not required and they have sent me previous highly sensitive information to me at this address for many years before and if they are confirming they are not sure if this is me, then they have breached various data protection rules by sending me information previously.

They state if they do not receive it, they will keep my SAR information for the 40 days and then destroy it 2 months later, what are these jokers smoking?.

I have also highlighted the fact on this letter that the ICO will have a compliant about this and copies of all of their letters. Total jokers, they don't have much longer to comply either as every reply they send me takes them a week.

[MIKE770]

Re: HSBC put all my debts down as "bank accounts"

report to FSA as well also M.P. just may move things?

[CleverClogs]

Re: HSBC put all my debts down as "bank accounts"

Received another reply from HSBC stating they are refusing my SAR unless I send them a signature. I have again sent them the letter stating my signature is not required and they have sent me previous highly sensitive information to me at this address for many years before and if they are confirming they are not sure if this is me, then they have breached various data protection rules by sending me information previously.

They state if they do not receive it, they will keep my SAR information for the 40 days and then destroy it 2 months later, what are these jokers smoking?.

Arabs' (soiled) underpants?

Why don't you appear to comply with their fatuous demand by "signing" the letter in blue ink, using one of the free fonts JoeHand 2 - link - JohnLennon Regular - link or Glider Girls Regular - link?

If that "signature" subsequently appears on any document on which they might seek to rely in court, they would be guilty of forgery.

[CleverClogs]

Re: HSBC put all my debts down as "bank accounts"

Other fonts:

• Phillipe Regular
• Daniel
• Windsong Regular
• Jenna Sue

[lionman]

Re: HSBC put all my debts down as "bank accounts"

Thank's, I will try that on their next letter which I imagine they will be sending. Don't worry I am complaining to all the relevant bodies about this as they are making it up as they go along. surely they dont have time for all this tomfoolery, why dont they just comply in the 1st place rather than create themselves hassle?.

I quite like the johnlennon font. Last time they would have had my signature would have been well about ten years ago and its changed a lot since then, so I am unsure why having my signature would provide evidence to who I am when they send me letters, statements and demands to this address for the last 5 years.

[CleverClogs]

Re: HSBC put all my debts down as "bank accounts"

I quite like the johnlennon font. Last time they would have had my signature would have been well about ten years ago and its changed a lot since then, so I am unsure why having my signature would provide evidence to who I am when they send me letters, statements and demands to this address for the last 5 years.

It doesn't.

They might as well demand that you submit clippings of your pubic hair.

[lionman]

Re: HSBC put all my debts down as "bank accounts"

Ha, HSBC have sent another letter in reply to my SAR request, this is their 3rd letter refusing my SAR.

In this letter they say they will not repeat themselves again, I either send them my original signature or a brand they can deliver it to so I can go in and sign for it with proof of the signature such as driving license etc. They then they will not send me anything until basicly they have my original signature.

What next? refusing my SAR should I stp all payments to their collection agencies now? its nearly timeup on the SAR for them, not received CCA's either although one is an overdraft the others are loans they turned into overdrafts hence why they dont want me to any info on these accounts,