Ok Thanks Johnny I will get letter done and see what happens lisa

Hi thank you for coming back to me is this the extra wording On the letter you sent on 15th December 2009 you stated you will start reporting against my credit file within 30 days of this letter. May I remind you I have never given your company my permission to process my personal information. Any adverse information you add to my credit file will be deemed as defamatory, as well as a breach of the Data Protection Act, and will be dealt with accordingly."

next letter received on the 12january 2010 NOTICE OF DEBT RECOVERY Dlc are specialist debt collections organisation. We have been instructed by our client to collect the outstanding balance on their behalf. You should read this Notice carefully, follow the instructions and reply immedialty. If your details are incorrect or you have any queries contact our central recovery office on the above number. Should you FAIL to reply to this notice by the date specified the action detailed below may be taken. To avoid DLC taking further action, you must either: Pay the debt in full or contat our recovery department Failure to take above action by 19 january ( which we late cos thats today) may result in the recovey via the following methods instructions to solicitors to commence legal action, or a debt collector to visit and collect the debt personally. Custmers can prevent this by contacting the above priority telephone number Any help with tanks Lisa

next letter received on the 5 jan from dlc You have failed to respond to our previous letter and the balance remains unpaid. please telephone us immediately on ............ to discuss yor payments options which include \; A discounted lump sum in full and final settlemant, or monthly payments over an agreed term Failure to respond to this letter may result in legal action and additional costs may be added to your balance. ( next letter to follow)

Hi all Well I cant believe after nearlly 1 and half years mum has got a letter regarding her argos account. 1st letter recieved on the 18 Dec from dlc We hereby give notice that this debt has been assigned to hillesden securities ltd, trading as direct legal and collections(dlc) This means argos card services ltd no longer own your account is now owed by dlc. All future payments and contact must be made with us. We will start reporting against your credit file within 30 days of you receiving this letter. You must let us have your proposals for payment of the outstanding balance by calling 0844 3358498 or by returning the attached insertion today. Failure to respond to this letter may result in legal action (Next letter to follow)

Hi N.P Afer all this time mum had the same letter on the 18 Dec but i have not had time to do anything then a letter on the 5 jan then onther on the 12 january. So argos must off been doing some selling but have not had our permission. will post mum letters up on my thread if any one can help thanks lisa

HI All Sorry for not getting back to you all but have been so busy over christmas and then just after new year son was addmitted to hospital with pneaumonia but all is ok he came home on thursday so Im back. Jonny mitch you asked if the court had stayed yes they did but the only letter received from them was to say the court are in favour of them so should we just leave it and see what happens thank you lisa

Hi OK Well Got a letter from iQor recovery to say the have checked with TSB and the debt is enforcable there for they have give mum 2 weeks to pay or a suitable repayment plan. Should I just write and offer £1.00 a month as will not be able to pay anymore in any case. Thanks Lisa

Hi all Well I was just wondering what will happen know as we have lost the bank charges thanks to the courts. Will have to see what the lovely post man will bring know. Lisa

Hi all Well its been really quite with everyone. But after nearly 4 months mum received a letter from iQor recovery services ltd. DOORSTEP COLLECTION NOTICE Your debt owed to LLoyds Tsb Bank PLC has now been place with iQor recovery services ltd for immediate collection and settlemnet. We intend to arrange for a debt collector to visit your home to agree with you how you will settle this long overdue debt. You may also respond to this letter and make specific repayments proposals that are acceptable to iQor recovery services ltd. Alternatively we may well be able to offer you a substantial reduction on your outstanding blalance. This offer is, however, only open to you for 72 hours from receipt of this letter. ( which was sent on the 9-09-2009) Should your financial circumstances prevent total settlement of the account your offer of realistic monthly or weekly repayments will receive our careful consideration. Your faithfully Simon XXXXXXXXX I have sent a letter today stating the account is in dispute under the My request under the consumer credit act 1974 HOpe i have done the correct thing and as for everything else touch wood we have not heard owt else. see ya Lisa

Hi CB THank you very much i will get that in the post tomorrow lisa

Hi CB this is the link that i found it on lisa http://www.consumeractiongroup.c o.uk/forum/hsbc-bank/125577-metropolitan-collection-services-action.html#post1311983 __________________

Hi CB Thanks for the advice but do u think letter would be ok if i deleted the last paragraph thanks Lisa

Hi all Found this letter today was wondering whether its ok to send to Wescot regarding dads account Dear Sirs My account with HSBC Bank Plc Account number ************** Outstanding Balance £304.96 I note with interest you have been instructed by your client to recover the outstanding balance on the above account and the fact you now formally demand immediate payment of £304.96 on behalf of your client following their own failed attempts to ignore the legal process and in my opinion extract money with menaces. I draw your attention to my own county court claim number 9S********* which has now been stayed subject to your clients’ legal representative, DG Solicitors application to the court to await the outcome of the Commercial Court proceedings between the OFT and the Defendant (and seven others) comprised in Claim No. 2007 Folio 1186. I suggest you do the same, I’m sure as HSBC’s Debt Recovery Specialists you will be well aware of this situation by now. I confirm any further costs you incur in this matter will be your own fault for being too stupid to read my correspondence and take heed of the current legal situation that exists and therefore will be at your own liability. I further confirm if my account is referred to debt collection agents who try to act without the required legal backing and attempt to call on me collect payment I will contact the police to have them removed from my premises and commence harassment proceedings against them, you and your client. Yours sincerely

Hi all we have an update regarding mums lloyds tsb cc account from credit security limited. Dear mrs ********* We have been instructed by our clients to recover the above overdue debt. We demand that the sum stated be sent direct to this office immediately using the paymnet slip below. Your failure to comply could result in a debt collector calling upon you for payment or a county court judgement being registered against you Yours sincerely ******* Another think they keep on phoning mum aswell PLEASE HELP!!!!!!!!

then the following day the debt notification letter saying : if you ignore the instructions and fail to take action by 3 june 2009 this may result in one of the following: 1. legal proceedingd been automatically issued against u in the county court/sheriff courts which could result in\; a county court judgement or decree againt u your possessions being seized your debt increasing because of court costs 2. a debt collectors being instructed to visit your home and collect the debt personally you can prevent further action by contacting your priority number 0870 902 0587 PLEASE HELP !!!!!!!!!

Hi all Well an update dad got a 2 letters from wescot first one came in the form of a TELEMESSAGE. saying: this account with metropolitan collection services has now been passed to wescot credit services, a specialist debt collection agency, with instructions to recover the amount outstanding. we are now commencing activity on this account. YOU SHOULD CONTACT US on 08709023072 to arrange to repay this debt before you receive our formal debt notification letter which is now in the process of being issued. We are not aware of any genuine reason why this debt should not be paid and will continue with debt collection activity until notified otherwise.

ph ok thank you Lisa

Hello I was just wondering if anyone had heard what that outcome was on the 15 april regarding bank charges lisa

Thank you will just sit back and see what happens lisa

Ok thank you i have read it again but i dont understand what it means lisa

Hi thanks once again I feel so much better, so I dont fill that request for judgement in i just sit and wait is that correct. Would you suggest i still write ti metropolitan or just ignore there letter cos hsbc bank now know that its filed in court. I bet know that i have done this they will take dad to court for credit card account cos they will think you have done it so will we but they have still not come up with S.A.R still on hold with capquest Thanks everyone once again I dont know what i would have done without all your help Lisa

Hi thank you very much for that does that mean we dont fill an the request for judgements form. And does anyone know what the out come was about bank charges. lisa

ALSO CAN I JUST ASK A couple of days before the above letter dad got a notice of issue and at the bottom there is things to fill in i dont know where dad is suppose to fill it in REQUEST FOR JUDGEMENT * Tick and complete eithe A or B. Remem,ber to sign and date the form. Your signature certifies that the information you have given is correct. * If the defendant has given an adrress on the form of admission to which correspodence should be sent, which is different from the adrress shown on the claim form, you must tell the court. * Complete all the judgemnt details at D A. the defendant has not filed an admisiion or defence to my claim or an application to contest the courts jurisdiction. B. The dendant admits that all the money is owed I accept the defendants propsal for payment the defendant has not made any proposal for payment i do not accept the defeants proposal for payment C. judgemnt detyails# I would like the defendant to be ordered to pay immeditaly by instalemnts in full DO I FILL THIS IN I AM NOT SURE COS AS I SAY TODAY RECIEVED LETTER TO SAY COURT HAS ODERED A STAYED PLEASE HELP:confused: Lisa

Hi all i have an update It turns my stomach cos i dont understand a thing. Dad got a letter today from the courts and it goes like this General form of judgement or order To the Claimant mr XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXXX 15 April 2009 Before District Judge xxxxxxx sitting at xXXXXxxxxxx County Court xxxxx xxxxxx xxxxxxx xxxxxxxx xxxxxxx Upon the coourts own motion. The court has made this order of its own intiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it IT IS ORDERED THAT 1. The claimed is STAYED pending the outcome ( including any appeal(s) in the test case brought by the office of fair trading in the high court. Dated 15 April 2009 Then attached was a Notice that acknowledgement of service has been filed The defendant filed an acknoeledgement of service on 15 April 2009 The defendant responded to the claim indicating an intention to defend all the claim. The defendant has 28 days from the date of service of the claim form with particulars of claim, or of the particulars of claim, to file a defence. The acknowledgement was filed by the solictors acting for the defendant who have given the following name and addrress for service of documents. The attached to that was a RESPONSE PACK that the defendants solicitors have fileed in and they have ticked that they intend to defend all of this claim WHAT HAPPENS NOW LIsa