OH HSBC credit card debt

[benjibutton]

Hi Everybody I hope you are all winning !

My question is probably stupid, but, have been in serious dispute with OC since 2008 got rid of various DCAs over time but latest is ignoring a/c in dispute letters and letter re non compliance with CCA request. Going to send another A/c in serious dispute letter, but what is best route to get rid of them

Cheers

benji

[Bazooka Boo]

Have you sent them an account in dispute letter previously?

 

Who is the DCA?

 

If you have sent them a previous dispute letter and they are choosing to ignore you, it is simply because they haven't told the threatomatic to stop sending you deforestation, the best thing to do, is to reciprocate their ignorance and do the same, IGNORE.

[benjibutton]

Hi Bazooka Bob

DCA is Lowlifes - they have been sent a/c in dispute letter twice & twice come back with usual **ap that they bought debt etc, why not write to OC to confirm etc - No chance!

[Bazooka Boo]

Thats a defo ignore then, lowlifes, the clowns of the debt collection circus.

[benjibutton]

Will do Thank You Bob

[dx100uk]

ignore

 

dx

[benjibutton]

thanx dx100uk

[benjibutton]

Hi

OH had credit card with a bank in her single name prior to our marriage. Lowlife who have come out of the woodwork, have consistently ignored the fact that there is a serious dispute situation. I wrote to their compliance manager as advised on here and my request was completely ignored.and they are still continuing to threaten as follows ;-

Obtain credit Ref report ( they say they have it) on OH

sending A/c to doorstep agent for visit

Apply to Court unless OH makes a minimum payment -No chance !

This is their so called last chance letter

However as disputed debt was never assigned to them - to my knowledge and bank has given up on pursuit what right have they in this situation. Any advice would be great

[kurvaface]

What's the account?

What's it's Age from setting up?

What's the problem with the account?

How long since payments were made?

 

Have you done a cca request?

 

Are there any charges or ppi on the account?

[padja]

the bank may have given up but they have probably sold debt unto Lowlife, theres a template that will stop their little threat of doorstep visit. How long since a payment was made? Lowlifes are well known for chasing Statute barred debts

[benjibutton]

Hi

Account is a credit card which was set up approx 30 years ago when bank was under previous name.Last payment was made 3 years ago. CCA request was made and not complied with as bank could not produce copy of signed agreement, throwing account into serious dispute. Bank eventually stated in writing that there was no point in further contact. Last payment was made 3 years ago.I understand about doorstep visit template, and that is not a problem.replied to Lowlifes letters with copy of serious dispute letter twice, then sent compliance request letter but just being ignored and they are going their own route.How do I stop this?

[Bazooka Boo]

String the clowns along, there is absolutely zero they can do to you, there is no agreement therefore they will be unable to take any legal action against you, check your credit file and if they have left their dirty paw prints on there take them to court and sue them for defamation.

[benjibutton]

Hi

So should I reply and if so say what?

[kurvaface]

30 years!

 

How far back can charges be claimed?

[benjibutton]

Hi

As we don't have copy statements etc, I cannot even guess at any amounts owed to OH,

but, they probably outweigh most of the alleged debt - which is probably reason bank dropped pursuit.

We are more interested in getting everybody off our backs for obvious reasons

Thank You for all your help

[Bazooka Boo]

If you want to continue the game of letter tennis just send them this http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

Send it 2nd class post and obtain "Proof of posting" from the PO counter.

 

Send it each and every time they respond, and ignore them, there is absolutely zero they can do.

 

Alternatively ignore them and complain to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

[benjibutton]

Thank you for all your help will send letter as advised.

[kurvaface]

As for charges, Perhaps send a SAR to the original creditor, asking for all statements.

[benjibutton]

OH has a C.C.debt which has been in serious dispute for last 4 years.

 

OC a bank cannot produce any paperwork.

 

Been around the houses to everybody inc Lowells who passed onto Scotcall

 

Another letter received from Lowells stating passing debt onto another DCA.

 

My question is what do they hope to acheive in this situation.

 

We have given up letter ping pong 12 months ago and just ignore them- surely a complete waste of time and costs?

 

Thank You

[Bazooka Boo]

Yes a waste of their time, especially as there letters can be ignored.

 

As for cost, well, the way I see it is that, this whole sordid industry is only kept alive by the selling and buying of portfolios of debts, so they might initially outlay 2 million for a portfolio of debts which have a face value of double what they paid, then in that portfolio some debtors will be conned into paying what they either don't owe, because they are unaware of their rights, and the rest will simply be bundled back up and flogged off too the next DCA to buy and have a go at collecting.

[benjibutton]

That makes total sense - I was worried they were taking a route I wasn't prepared for. But, their letters help start the woodburners!

[Bandit127]

If Lowell now own this they need to know that the debt is unenforceable (if they do not already). From reading the many posts on here they seem to be the only one might actually take you to court.

[benjibutton]

Hi

Lowell owned this before and were informed it was unenforceable They passed it to Scotcall who have passed it backto them. Lowells are now passing it on to yet another DCA which was the reason I questioned it

Thank You

[intend]

Boo summed it up perfectly - best us consumers just ignore the buying and selling of our debts. Keep original letter stating they cannot find the CCA and only take action if court is threatened.

[benjibutton]

True enough intend Keep the faith!

Thank You