THANKS, dx. What bothered me was the sneaky inference to phone RW . Fat chance of that.

for info- I've been a member for a long time, but just to get info for kids on how to play the council on CT. Now back to RW. After some PC problems, I sent RW the SB letter along with the no callers one. Letter now back from HOIST Finance ( same address ), with no mention of SB, just stating a notice of assignment and stating that RW will continue to service my account. sO -NEXT STEP . Do I send RW /Holst the follow up letter to SB ?

DX- sorry for seeming dense. I do know the difference between bailiff & DCA, I had experience of bailiffs during the Poll tax carry on, and in the main part, the ones I met worked to standards. From what I've read of RW, they seem a shower of cowboys. I didn't know about the CONC rules, so I at least I've got some protection from harassment from them .

THANKS, dx. I've looked through the template library and I'm torn between sending the "provide copy of agreement" letter ,or the SB one. From the tone of the letter, RW are threatening further collection letters, or phoning me at work ( fat chance, asI've been retired six years). But they've had plenty of opportunities to get heavy, and I suspect they won't as I'd suspect they know it's SB. But, is sending them a SB letter , sort of lettng them know it's me, whereas "provide a copy "letter makes them work for their money. Advice , please- if I sent the SB letter as suggested, what do I do if RW keep on bothering me.

I'm beginning to think that FSCS ( in this case run by Welcome) did nothing with the FSCS claim , as 90% of the figure that Welcome had said I owed was more than the figure Welcome had offered in response to a financial ombudsman LETTER , but Welcome had tied so many strings to their offer ,that I would have ended up owing them . Add to this fact that the final offer was after receiving two others ,both of which had half my paperwork and half someone else's paperwork. I instructed PPI reclaimer to delve further. By the time PPI reclaimer had taken any action, Welcome had folded. As mentioned , I did make a FSCS claim, but heard nothing, so I (wrongly ) assumed that all had been taken care of. Out of interest is their a time limit on FSCS claims, as my last contact with FSCS was in 2011. I'm tempted to go down the SB route, but from other posts about RW, I see that RW tend to ignore SB ,and there's no way Welcome or any of their associates are going to make any cash out of this after the PPI failure by Welcome, which my reclaimer estimated at well over the 90% that FSCS would have paid .

Dead right. Thought it would be a nice twist to hit RW with a claim for PPI. Is that one for the "parent company" ,if I can find them? Then there's another aspect - don't ever remember seeing a "sell on " clause in the HP agreement. But then again, would RW have/be able to get a copy of the agreement ,and there's the final one - last contact was with WF, acting as agent for FSCS, in , no later than 2011, so it's now statue barred, I'd suggest RW knows this, is it just a case of a statue barred letter , or as others have done, going down the CCA route, as if I suspect, DCA will not be able to produce. Welcome, & now RW owe me over £3k ,so there's no way I'm going to let RW get any cash.

I think the time has come to do a bit of RW&C baiting, or perhaps there is another way . Back in 2007, I bought a car on HP( I still have my copies of the docs) ,with a company that has since gone into default. Term was 36 months, and eighteen months into contract I was made redundant. I had not read the PPI package properly ( bear in mind that at this time I'd had two massive personal problems happen), but from the salesman's spiel I had a year of payment cover . I paid the six month out of redundancy and then tried to claim on PPI ,to be told I did not qualify. straight to PPI reclaim, whereby the finance company used every trick to avoid acceptance, although they did admit liability ,but the offer was set in non favourable terms. . Eventually way back in 2010, they went into default and the matter went to FSCS , run by the finance company IN 2011 . By this time, I had accepted that I would not get any of the debt paid off, but that the company had gone into default owing me ( from their admission £2500), I thought that the matter was resolved. Then last year, came a letter from RW . So far, as debt is now well statute barred , I’ve just ignored them as this sort don't seem to accept SB letters. Then I thought- as there's considerable PPI ( £2500 in 2020, how much now ) , and RW insist that they own the debt, perhaps it might be a chance to let the DCA get bitten, by legally asking for the repayment of the PPI content.. So what line do I take ?

Hi -Hedgehog - trying to get more info --i jumped the gun before and fired off an e mail to HSBC - got the "we are right " letter back, so this time i'm going to be a bit more subtle and look at all on here . Maverik - were you able to get all your statements for the last six years on line ??.BTW - congrats -

Thanks - seems i am able to read them now - could be that cookies were disabled - routinely do this --helps to keep some sites out of my computer till i decide to let them in -is it worth asking HSBC to reveal my charges over the last six years - or do i have to get heavy via DPA ( not as i thought FOI) ---letter i got from David Johnson was the sorry you're not satisfied one , but we've not overcharged you - like heck ,i see now. Again thanks will read on and attack them again when i've got all the data to start.

library with templates mentioned ,specially one about using FOI to get bank to tell you how much they have charged. I started out thinking i could only claim back last year - wrote to HSBC to ask justification of charges and why so high - reply read like the ad for a bulding society - thre one about the AGM. Anyway ,basiclly said -"we're right -you're wrong " even though i did mention unfair terms etc - they have now upset me with their greed and i would like to find the template to start the job correctly . Any help please . Also ,for aDMIN/MODS - this is my third go registering - tried help pages - got chucked out. Still get logged off every time i change pages.