iamgnome
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Everything posted by iamgnome
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I had no idea! Just tried it and it seems to have taken me to the human queue. It's a bit late now but I'll give them a call tomorrow. Cheers dx!
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Dx, cheers - I tried that same number. You can call it yourself and you'll find it won't let you go further without entering account details.
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Thanks dx - just checked Royal Mail and it says the original letter was rejected and then rerouted to Coventry. This means they received it but should I just send one more chaser to that above address? Also anything specific I should say?
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What's the number? I tried the relevant ones on their site and they keep asking for account details. I sent the SAR to head office in Canada Square. Does the address matter? I read you can send it to any branch and they have to process it.
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Hi guys - been over a month since my last letter and no response. I've tried to phone them too but it only works for customers which I am no longer. Do I go to the ICO now (that's what I said I'd do in the letter)? If so, grateful for any resources CAG has on this.
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Got it! Helpful as ever. I'll chase HSBC on the SAR and see what Cabot do. Thanks again mate!
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Thanks dx, that's a good idea. In which case I'll do both, send a letter and ring them. Last question, what do I even 'update' Cabot with? Do I just tell them to do one in polite terms?
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You have a way with words Thanks Dx. Shall I give them another month and if they don't respond then complain to the ICO?
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Sounds good thanks dx. And what if they still don't respond?
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Thanks BankFodder. it's been over 3 months but no word from HSBC on the SAR. I sent them the template from this site and also by recorded delivery, I know they received it. Cabot also just got back to me saying they'll 'hold' the account for 3 months to update them (which is laughable because it sounds like they haven't got the data either lol). What do now?
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Thanks DX really appreciate it. I'll wait on the SAR now and come back if it's bad news.
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Hoping it's the good truth. Can you guys still help with defence, if it goes court without the unlawful fees argument?
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All I know is when I went to HSBC in 2017 they said a figure and it was in the region £200 that I owed, hence why I assumed that I didn't take anything out but I honestly can't remember if I did because I had a different job and bank account abroad. After all this, is it likely they'll send a letter of claim out? I mean, in the first prove it letter they still gave me a 50% discount, so I'm having a lot of trouble believing what's true lol.
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that makes sense. for arguments sake, if the SAR does show that I took money out to the sum they're saying, then how screwed am I? I still don't believe the sum they're asking for is true but it sounds like I've got no defence if the SAR statements say otherwise!
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Dx, All, just a few more questions whilst I get this SAR ready... About the termination notice, it seems fishy mainly because it doesn't have a precise date for when they would have closed down my account just a threat of going to DCA if I didn't respond in 18 days. Does this make the debt unenforceable? Also they haven't provided T&C's or an overdraft agreement, that must make it totally unenforceable right? Or might an SAR provide this to me, if so doesn't this shoot me in the foot? Thanks again!!!
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Thanks as always DX
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Sorry lol, I forget how things worked here. Won't hit quote. Statements are from their software, not HSBC's headed paper. I'll work on the SAR. Should I get that done before I go the FOS? Not sure about the withdrawal, it was long ago. Either way definitely not how much they're saying it is. I like to make Cabot sweat especially after they pulled the phantom payment . Default date is June 2016.
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That I have no idea. It shows that I've taken out funds during my time abroad, but that I don't remember doing or if I did it would've been negligible not to the sum of 1.3k.
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Sorry my bad, what was the question
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Okay sounds good, so they're lying as usual. If this does go to Court and they show statements with little in the way of fees then is it right to argue that they're doctored or something similar? Or does the fact that it got closed and sold to the DCA mean it's already irrecoverable? Also when taking it to the FO,S I know you didn't advise this, but generally are they sympathetic to us?
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that's good to know, I had to go ahead with the process nonetheless despite your good advice I'm afraid (I'm also getting help from family and they want me to clear my record or at least try). No other credit with HSBC other than a credit card but that was fine not defaulted. Is the above generally okay though, or have I missed something?
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Hey thanks for this! Long story short, to help with getting a mortgage, I was told to get rid of the default or find a way to not leaving it hanging in the air. I've taken some extra actions and thought it would be good to get your thoughts on this... Since I last posted here the debt has gone through 5 or 6 different companies but eventually returned back to Cabot. I sent them a prove it letter and also said this was fees and I'll contest at court etc. They returned with 'evidence' which consisted of a fake looking termination notice, a phantom payment made after the default and bank statements but only up to about 2011. Weirdly enough HSBC also sent a £50 cheque a few days after I sent my letter (haven't cashed it in). I wrote back saying I wished to complain as they've made misleading and false allegations and I'll take it up to financial ombudsman if they don't close the account. To which they sent a letter saying they've processed my complaint (not yet made), offered me £75 for treating me poorly (lol), provided the full set of bank statements now (up to 2016 when account defaulted) and said they've contacted HSBC, who will get back in about 60 days. Here's the thing, the full bank statements don't show much in the way of fees and interest. I also definitely didn't take out as much as they're saying I have, the statements look doctored. Also they haven't provided T&C's either. Is this typical of them to lie? What do you guys think? And does this give them a strong case? I'm going to send them the complaint with all the points and demand they close the account, then go to the FOS. Is this sounding okay? Thanks again!
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Understood, sir. I will not respond unless this letter arrives.
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Thank you dx100uk! I will continue as normal.
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Hello everyone. I got another letter from Cabot today. They claim I could send them a final settlement offer which 'will see your balance paid off at a reduced amount, and it will be marked as such on your credit file'. Is this worth disussing? I understand they won't win in court but will paying off make a credit report look better? Thanks!
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