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    • Hi, I am a local authority tenant and was in a 3 bed house. At the end of last year, my last child moved out and so did my spouse as we are now going through a divorce which meant that I was in the house alone and decided that I needed to downsize not only for myself but to offer the property to a family that needed it. I registered on the local authority housing bidding site as i was asked to do and I was accepted and given a priority banding as I was downsizing and they were desperate for my house. I have been extremely lucky and after about 6 weeks was accepted for a new build from a housing association via the housing gateway. I viewed the property 2 weeks ago and had to sign the tenancy last week when they were doing bulk signups for the houses and that is the day I moved. In between viewing and sign up, I contacted my current local authority landlord and asked how I give notice as I had been accepted for a property I had bid on and was moving.  The lady told me how to do it online and then said that I needed to give a full weeks notice which wasnt a problem as I had enough time.  (I was also told a weeks notice was what i would need to give by another staff member about a month ago when I phoned up for another housing related question.  I dont have any of this in writing.) I have now moved, handed back the keys and I am now being told that I need to give 4 weeks notice which I cannot afford. I hav e spoken to the council again explaining that I was told a week and that to be honest, if I knew they were going to charge me 4 weeks I would not have been able to move and would have stayed in the other house.  I thought I was doing the right thing. They said that calls are recorded and they asked me when I called in and was told a week and they would listen to the telephone conversation and if it was correct what I was told, they would see what they could do to reduce the notice period. They have now emailed me back and said that they have listened to the conversation and the lady said 4 weeks notice and I am liable for 4 weeks rent.  Now I may well of misheard her when I thought she said a full weeks notice she may have said 4 weeks notice but I am sure she said a full weeks notice and i was told a week by another member of staff a few weeks ago. I have emailed her back and said that I may of misheard but I would like to listen to the phone recording myself.  As yet they havent responded. I think its unreasonable for them to make me give 4 weeks when I had to sign the new tenancy with little notice or loose the property.  And it was all done through their gateway, and they will have a tenant in there pretty much straight away getting rent from them. I am on a very low income, I am on my own, I have serious medical issues and I am really getting myself stressed out over this. Any advice would be so appreciated.  Can I insist they let me listed to the recording? RH  
    • Susan Crichton is at the Inquiry today. She seems to have trouble remembering a lot of things but seems to find it easier if it's something that shows her in a good light.
    • Send them a letter of claim straightaway. No point hanging around. Given 14 days in the letter of claim and if they haven't paid you by then, issue the claim on day 15. The amount of time is more than adequate for them to get going. Post your draft letter of claim here. A look at. Then log onto the MoneyClaim website and start preparing your claim and post your particulars of claim here for us to have a look at. Don't bluff. No point in it.
    • That's what we thought, but the store manager is inferring that, as the jeweller we used was not a member of the NJA, no one  would give what he said, any credence. The Jeweller we used is in fact, a long established, well respected company, with 2 store and rather than just being a retailer, they craft the most exquisite jewellery inhouse!  I wish my Fiancé would have bought from them rather than H Samuel! Do you think we do need to get another report from and NJA accredited Jeweller ?
    • Really pleased that you won. UKPC know that you have supremacy of contract but still they persist because so many motorists blindly pay them.   Muppets.
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Data Protection v Debt Recovery


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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.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. 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)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. 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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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. 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)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. 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?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

dx100uk:cool:

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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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.

  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. 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)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. 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

 

Here;s some interesting info - FV1's registered address appears to be 25 Cabot Square in London...What's HSBC's address, I bet in somewhere very nearby? FV-1 are not a limited company and their agents are NCO europe...DONT phone NCO, they are rude, aggressive and nasty...I'm going to dig around some more re FV-1 cos something's not right here...

Just hate every DCA out there

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  1. Does anybody know who or what FV-1 is? Is this letter a red herring?
  2. 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)
  3. The fact that I may owe them, does that negate my claim for charges??
  4. 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?

stick with hsbc for the letter.

owing does not negate it.

typically they would use the money and give you the rest.

 

what worries me here is the a/c was in dispute when they sold it to a dca, that i think is wrong. write to the dca, inform them the a/c is in dispute, then it should all be bounced back to hsbc.

 

dx100uk:cool:

 

This is the letter I'm about to fire off to NCO Europe...What do you think?

 

24th February 2007

Ref/acc no:

To Whom It May Concern,

 

The first thing I am going to tell you is; I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY. The second thing I am going to tell you is; THIS ACCOUNT IS IN DISPUTE….There, hopefully you can understand that.

Without going into too many details of the acts you will be breaking, let alone guidelines, if you attempt to try - I would like to inform you that I am fully aware that you cannot attempt to collect any alleged monies that your client claims I owe whilst this alleged debt remains in dispute.

Until this dispute is resolved with HSBC initially, then I will be have no dealings with NCO. Once my original dispute is resolved I will then be dealing with FV-1 and FV-1 only. Once they legally prove they are entitled to collect any monies from me, I will have further legal avenues to pursue with FV-1 and FV-1 ONLY re this alleged debt. I find it interesting that FV-1 are not a limited company and their registered address (Cabot Square- London) will need a personal visit to verify their existence.

Forthwith, if you attempt to make ANY further contact with me, I will consider NCO in breach of the many legislations that in in place to protect the general public. Consequently, I will file a complaint to the OFT and my Local Trading Standards Office against you. NCO Europe has a diabolic and shambolic reputation, and are very well known for the ‘bully-boy’ tactics they try to employ. This will not work with me, so please do not attempt to try. You may be able to fleece those less ‘clued-up’ than myself, but I will not lie down and pamper to your aggressive, illegal scare tactics.

 

Kind Regards

Just hate every DCA out there

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

  • Haha 1

:cool: sunbathing in juan les pins de temps en temps

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well here is my link to what i found out about fv-1

 

it's in a new thread

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68333-fv1-i-know-who.html

 

morgan stanley feature ?????? which surprises meee !

 

Mmmm, wonder if they'll set up their own website---wonder what domain they'll use :lol::lol::lol:

Just hate every DCA out there

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