Homer67
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I just called them and spoke to a Customer Representative, the whole thing still smells bad to me it seems that unless you have evidence of DCA charges there's little or no chance of you getting any refund although they said it would help if she confirmed her ID - I asked how it would help and they didn't really have an answer, I reckon it's a phishing trip using old news to make it seem legitimate.
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This is from 2017 but it says they found around 350 Customers only so I wuld imagine that's sorted by now. https://www.independent.co.uk/news/business/news/hsbc-bank-repay-4-million-to-customers-unreasonable-debt-collection-charges-fca-financial-conduct-a7538016.html
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Hi DX, yes it is odd especially considering her circumstances, so it's a real organisation then, that's interesting.
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Hi All, Mrs Homer's squeaky friend has received the attached letter in the post which came with a prepaid 2nd class SAE to the address shown on the letter. Squeaky friend has no recollection of ever having an HSBC account and she doesn't do credit cards, has no loans and no debts that she recalls. Bearing in mind the ongoing Parking charge issue, I wondered if this was a ploy by Trace to try and identify her as she has not responded (in accordance with our instrcutions) to them. I checked the address out and it's just an office block on a Quay somewhere, it doesn't look like somewhere HSBC would occupy space to me.
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Hi Guys and Gals, Mrs Homer's nervous friend has received another demand from Trace Legal Department which is another final demand offering a final 14 days to finally pay their bill. I guess that there's lots of finals in their letters is my point! Anyway, have a look at the attached document and obviously the advice is ignore, so I'm just documenting in case I miss an LBA or something that should be answered. I shall show your responses to Mrs Homer's squeaky friend and reassure her that no one is coming to get her, yet!
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I just got the pass around from MoJ and SRA, seem that anyone can put what they like on a letterhead.
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Thanks Mrs O, it helps if another lady tells her the same as me, she's a bit anti men unfortunately.
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Well guys it seems that Trace's last letter was not their final demand (surprise) as they have demanded again. I have advised Mrs Homer's friend to ignore this as well although each time she gets a bit squeaky. Have a look and tell me what you think (I know it will be ignore). PCN_DCA_letter_redacted_25_03_2019.pdf
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Letter from Lowell regarding catalogue debt, possibly SB
Homer67 replied to thedryad's topic in Mail order catalogues
No action is best until the experts have answered, don't be in a rush to respond as they are a powerless DCA anyway and can do nothing. -
Letter from Lowell regarding catalogue debt, possibly SB
Homer67 replied to thedryad's topic in Mail order catalogues
When was your last payment made on the account? The statue barred clock starts ticking from the defaulted date, so not the last payment but the first payment that fails. They could just be phishing to see if you respond, bearing in mind you have changed your name they might not even know it's you they seek. -
Hi Guys, Mrs Homer's friend has received another scary DCA letter and is again quaking in her boots at the thought of being taken to court and having to hand over her children in lieu of payment. Can you run your eyes over the attached letter and tell me what you think please? PCN_DCA_letter_redacted_08_03_2019.pdf
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Cabot Financial chasing payment for £7800 MBNA Card debt
Homer67 replied to Reformation's topic in MBNA
I thought the statute barred date was from the date the debt defaulted rather than the last payment? For example you pay March payment but pay nothing else going forward, the statute barred date is 6 years from the date of the failed April payment? -
Oh I forgot to say that even if your boyfriend moved in with you, you would still not be responsbile for any CSA payments or his debts, you are seperate entities unless you get married. If the ex has involved the CSA then let them settle the amount he has to pay, I gurantee it will be less than he would pay voluntarily unless he is a very high wage earner. For example my partner earned minimum wage in a full time job and had to pay £7 a week - she had to provide living expenses which included the rent I charged her The funny thing was that after a year her youngest decided he wanted to live with us so the tables were turned and beacuse of the ex's attitude my partner went to the CSA and they forced him to pay about £80 a week from memory - he wasn't happy!
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Having read your latest response I would suggest that you contact the Police via 101 and tell them the ex is making false allegations and request they pay her a visit and tell her to stop before you make a harrasment complaint.
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Hi Gayleyh, You boyfriend does not live with you and does not appear on the council tax bill for your home - if that's accurate then print a copy of the council tax bill and keep it handy. If you get a knock on the door tell the person asking he doesn't live there, if they say they are bailiffs and prove their ID give them the copy of the bill and tell them to foxtrot oscar - it's nothing to do with you. They will no doubt ask you to give them his actual address, if they already have that and you are comfortable with giving it then do so, but do not give them any other info as you are not obliged to give them your details (although the council tax bill will show that unless you blank out your surname) I had a similar experience with my partner's ex who actually tried to name me in court and get me to appear to present my earnings as his ex now lived with me - the judge laughed at him apparantly and asked him if he thought everyone should pay for his kids except him, when he replied he thought I should as I now 'had his wife' despite the fact that they were divorced long before we met, the judge told him he was stupid and that all taxpayers pay for his kids anyway as he's an unemployed oaf. My point being that this is probably malcious on the part of the boyfriend's ex, sour grapes if you will to try and cause trouble for him so you kick him into touch. Don't fall for it.
