Agree with DX, the use of withheld numbers is very very much against the rules, FCA brought that little nunber in, complaint goes direct to them.

Text messages you MUST forward them to 7726 (SPAM- on your phone keypad) this is registered by your network provider, who in turn reports them to the ICO.

Thanks for the responses dx, bazooka

I will write up a letter then to FCA, will also do the 7726,

Thanks again

Good morning everyone.

HSBC SAR response.

Just a quick update. HSBC have sent me a letter informing me they have completed they search and the information found has been sent to the branch of my choice. They also require a form of I.D with both my signature and photograph. I will also be asked to sign a receipt on collection of my information which the branch will then return to the data office in Sheffield.

I just wanted to know if I should be signing anything?

Thanks

you will not get the paperwork at branch without signing for bundle, we all had to HSBC you have the account have your signature anyway,

Thanks for quick reply.

I shall be visiting the branch later today.

Hello there.

I have received my documents from HSBC. Just need to go through them now, is there anything I need to look out for specifically?

In the mean time idem have sent a letter

“We are keen to speak to you regarding your account”

Failure to make contact with us may result in the following:

1. A representative may be instructed to visit your property

2. Your account may be placed with an external DCA

3. Our litigation dept may instigate court proceedings

Do I ignore ? Or should I be getting worried ?

Any advice appreciated

“We are keen to speak to you regarding your account” I bet you are!

Failure to make contact with us may result in the following:

1. A representative may be instructed to visit your property No they won't.

2. Your account may be placed with an external DCA Woopdedoo...

3. Our litigation dept may instigate court proceedings No they won't.

 

Do I ignore ? Or should I be getting worried ? Worried about what?

Any advice appreciated

Remember that the silly missive is spat out by a computer with no human input, less for the posty pushing it through your door.

Thanks for the quick reply

Will keep filing then.

Good morning.

A quick update.

A company called RESOLVECALL (idem doorstep reps) have sent me a letter.

“We have been instructed by idem to contact you. Idem have not been able to contact you and are concerned that you maybe having difficulties in meeting your repayments. It is in your best interests that you contact idem as a matter of urgency.

If you do not contact idem this may lead to a visit being made by one of our reps within 28 days of the date of this letter. The purpose of the visit is for one of our reps to assist you in making contact with our client to discuss your account”

Will they do this ? If they do what can I do ?

Any advice is appreciated

doesn't matter if they do

no DCA has ANY legal powers whatsoever

they are NOT BAILIFFS

so if you do get a dirty mac doorstepper

simply tell him to leave your property else you'll call police 101.

nothing more needs to be said.

resovecall ex snotcall ( scotcall) lame ducks, tell them to go away

Thanks dx, old clogger for the advice. Really do appreciate all the help you guys are giving

Will they do this ? If they do what can I do ?

Put wood back in hole, ie, shut the door on the sad individual.

Hello there.

Idem have sent me a PAP form to fill in, it gives me 30 days to reply.

Am I right in ticking

BOX D

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

BOX I

I have requested by way of a CCA Requesticon the signed agreement from the debt purchaser

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

Print my name and get proof of postage

Is there anything missing or doI need to add anything ?

Thanks

You have to fill in the Pap, sure Andy will help there if you ask him

Ok thank you.

If Andy is here can you help me please

Im always here:-)...follow the following link......

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

Thanks Andy

All is in post 4 of that thread

Thank you dx

Do i need to send another CCA request letter ?

No remove that bit

Ok thank you

Hello there

I have filled out the PAP form and ready to post

BOX D

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

BOX I

I have requested by way of a CCA Requesticon the signed agreement from the debt purchaser

I also require you to supply the following..

A copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you IDEM SERVICING, the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

Print my name and get proof of postage

Is there anything missing or do I need to add anything ?

Also do I send it to the P.O. BOX address they have provided or the actual office address ?

Thank you

Fine ..send it to the same address provided on the correspondence.