Hi FL As dx said earlier (post 302) it will end up with RED at some stage and this letter confirms that. Lets see what the next letter says. Regards Pedross

This is just to comply with regulations. Regards Pedross

I agree with dx it's a standard letter. Lets wait for the next. Pedross

Yes that's the one FL I didn't know you had another thread, I just noticed that there were two accounts in the documents you uploaded. Regards Pedross

Hi FL I have just noticed that you included another account as well. I was just referring to the HFC account, I have assumed that you are dealing with the other one. Regards Pedross

DX has said it all FL Ignore this and wait for the next letter. By ignoring them it will speak louder than anything you can say. Regards Pedross

sorted FL

Hi FL You may as well ignore this letter as well and wait until the next one arrives. Hear from you then. Regards Pedross

Hi FL & dx Now I have had more time to think about it I agree with dx100 at this stage and you should just ignore the first letter and wait so they know you are not interested. However, in view of your previous correspondence it will probably be a good idea to send a letter in the future to explain why you are not prepared to deal with them. I think they will then go away for good as they can't send it back to HSBC. Keep me informed when the letters arrive. Regards Pedross

Hi FL You need to write to them but I will suggest what to write. First impressions count and you only have one chance at that. I will try and do it over the weekend but you know the deal, if I am taking too long give me a nudge. Regards Pedross

I have not seen any documents so my comments are based on my understanding of the situation. You need to put your defense together covering all points but the main issue with the DN is the fact that it did not allow 14 days from service (if that is correct). The case you need to refer to is Brandon v AMEX in which it was stated that an error such as that could not be classed as De Minimis. A valid DN is required under the CCA for the claimant to commence proceedings and if it is not valid I do not believe that the claimant has a case. I am not convinced that the other points will help but they can be included, I just do not recall any legal precedents to rely on. Pedross

Hi Fluffystuff If the DN is definitely faulty it is a strong defense and prevents the action they have taken. I will comment further if you post a copy or confirm the dates/details etc. Pedross

Hi FL If it was me I would just keep ignoring them. They will get fed up in the end and pass it back. Regards Pedross

There you go FL I only just got the new post email and you already have the answer twice over, now three times. I agree with the above, just ignore them. Pedross

Hi FL I agree with the two posts above and in the order they answered. Firstly I would ignore the first letter, wait for the next one and then decide what to do. You don't want to make it too easy for them they will think you are worried. If HFC are going to continue passing it around I will send you a template letter so that you can respond. Regards Pedross