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jazr3

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  1. Hi guys Can anybody advise me please. I sent a standard data protection act letter to HSBC on 15th Dec 06 and received a letter on the 2nd January with a return of my postal order saying they would oblige. Anyway I received some statements but nothing else. I rang them last week to chase up and they said they would call me back. Suffice to say they didn’t, but I got a letter dated 20th Feb from their debt recovery department in Birmingham which I have copied for you in full. We are writing to notify you that HSBC Bank plc and HSBC Trustee (C.I) Limited has assigned all of its respective rights, title and interest in respect of the above referenced account (including the outstanding balance) to FV-I, Inc effective 22nd December 2006. The total outstanding balance is £3576.08 as at the date of sale 22nd December 2006. Your current outstanding balance is £3576.08 (deducting any direct payments from the original balance made to HSBC since 22nd December) Under the terms of this assignment, and as defined in the Data Protection Act 1998, FV-1 is now the Data Controller of your Personal Data contained in the records of this account. NCO Europe Limited has been appointed by FV-1 to manage your account and it is essential that all future payments and correspondence regarding this account be directed to NCO Europe Limited at; NCO Europe Limited Tel 0870 0492370 or 0121 6982900 PO Box 1127 Preson Pr2 0EF You should contact NCO Europe Limited to organise payment on this account as a matter of urgency Yours sincerely Like most people I had a loan with HSBC and on late payments got stung with bank charges that escalated so out of control that I just stopped dealing with them. I was signing on at the time so it became impossible to catch up. On coming across this site and moneysavingexpert.com I worked out crudely from some statements that I still have, that they probably owe me approx £3,000 in charges without interest.. So a couple of questions as I’m not sure what my next step should be. Does anybody know who or what FV-1 is? Is this letter a red herring? Does this mean that I should send the LBA letter for non-compliance of the data protection to NCO Europe or should I send it to Canada Square, London (HSBC's head office) where the first letter went. (and wait for the7 days as advised on the forum before going to court) The fact that I may owe them, does that negate my claim for charges?? If I get this money back would they automatically pay off what I owe them, and give me any remaining balance or would that be illegal? Thanks for your help
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