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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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HSBC sell Debt to Cabot


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I have a number of accounts that I am paying back on an agreed debtmanagement plan, one being a credit card with HSBC.

 

The dilema I am in is that all the other companies have changed the status of my account on experian to Special Instruction Indicator: Arrangement and I have been paying them upto date for over a year now. All this is showing a green symbol.

 

In trying to rebuild my credit rating and finances etc HSBC Credit Card have not changed this, yet they accept my payment of £x.xx per month and have frozen the interest (although it it with MCS) This still shows as a red symbol

 

Is there anyway I can get them to alter this to relfect I am on an agreement and that I have kept up with monthly payment?

 

The arguement they came back with before was that they wanted more than triple what I offered to and am currently paying and therefore did not accept the agreement?? Yet they have settled for a reduced amount and have done so for some time

 

Any thoughts please?

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The first step has to be asking again.

It sounds as if it's sometime since you have been paying regularly, so they might say yes.

Send a copy of your file showing all the other companies status - it might shame them into following suit.

 

If they say no, you've lost nothing more and to be honest I think you'd be struggling to challenge them by any more formal means.

 

 

Credit reference files are notoriously difficult to challenge.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 2 months later...

Following advice from a forum member to another post I sent a CCA request to HSBC in December 2009.

I first got a letter back saying they were dealing with it.

22days after my original request I got a package delivered with loads of information.

 

The covering letter,

which I dont have a copy to hand,

starts by saying they dont have to provide a signed copy of my document or original terms and conditions under current law

but they attached updated copies of the CCA and random information all stamped and signed, poorly, on each page.

My original agreement was from 1996.

 

The letter goes on to say that the CCA is still enforceable even without a copy of the signature.

 

What would be my best move next?

I am trying to prove my current CCA is not viable and therefore stop them trying to take me to court every month even though I am on a debt management plan

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  • 7 years later...

I have today received a letter from HSBC saying that my credit card account debt has been sold to Cabot as of July 2017 and I should arrange to continue to pay them not HSBC and HSBC will not correspond with me anymore.

 

This relates to a credit card that defaulted in 2011 and I have been paying them back an agreed sum of money each month and always maintained payments.

 

Having had run ins before with other collection companies I wonder if anyone could help with my concerns?

 

- My payment agreement is with HSBC and now Cabot now seem to want way more than I can physically afford and say that I need to complete a financial assessment to make a new plan otherwise they will take action

- The sums of money Cabot seem to reference seems excessive compared to what I think I owe. Can I somehow check what the values are and if they include any fees etc

- In buying the debt how does this affect my credit file. HSBC has not been showing on my CRF since January 2017?

- Should have I been notified of the sale of my account beforehand?

 

The last time I had to deal with Marlin it really made me ill from worry and I do not want to go through this again

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send them a CCA request

if its dropped off because the default reached its 6th birthday

the fleecers cant put it back up

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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merged a few old threads on this here

shame you didn't stop paying 7yrs ago when they failed the CCA request before....

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yep. Sadly youve been fleeced for many years. The debt is wholly unenforceable. I can pretty much guarantee that, and youve been spoofed into paying when you didnt have to pay a single penny.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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