OH HSBC credit card debt

[Undercover-Elsa]

LOL hi BB

[benjibutton]

Hi Elsa

Address shown was current address, not address it should have been. No interest shown, general brochure & T &C's

benjibutton

[babybear39]

You can start saving their drivel to paper your bathroom

[Undercover-Elsa]

You can start saving their drivel to paper your bathroom

 

Let's hope they use nicely coloured ink. At least they're usually less garish than Westclots..

 

Great news Benji!

 

Elsa

[benjibutton]

Thank You babybear

[benjibutton]

Does this mean I'm OK?

[babybear39]

No. Never underestimate a DCA. Everything in writing, record or note calls time date and duration, keep everything

 

Have you CCA'd them yet?

[benjibutton]

Hi Everyone

Continuing saga of O.H. v HSBC .Ref a Credit card. Gone the route with SBC who stated in writing "there was no point in further correspondence in this matter" 2 years ago. Since then Moorcroft tried and went away and last year Lowells surfaced and went away after non acknowledgement letter. Latest is letter together with photocopy of 2 statements from over 7 years ago at previous address + photocopy of T&C's + application form filled out with O.H's details at previous address - not where card was issued to! Beleive they are p***sing in wind, as copy statements were from HSBC Birmingham ? Card was Midland card originally. Any thoughts? hank You

[firstship]

I would send them 1 final letter stating as the information supplied purporting to be copies of statements,T&Cs and application are all incorrect you do not expect to receive any more communications with false information.

 

How far away from being SB?

 

FS

[benjibutton]

Thank You firstship

Good idea 2.5 years to SB

[BRIGADIER2JCS]

When was the last payment or acknowledgement

of the debt.

Miland was swallowed up by HSBC.

Before sending ANYTHING you need to check your

credit files and see the status of the account, it's

pointless sending any ''final'' letter until you are

sure,as the information is not false it reflects

the take over of the card issuer.

Were any payments or acknowledgments made

after the date 0n the statements you have received?

[benjibutton]

Thank You

The last payment was made 3.5 years ago. These statements are from before that date.

[BRIGADIER2JCS]

Was the ''application form'' signed?

Do the statements show traceable

use of the account, name, address

etc.,

[benjibutton]

No, application form not signed and even made out at previous address not where card was originally issued

just OH name & address. Card statements show a few items bought and old credit limit

Should have said all this saga is in OH single name prior to us getting married

[BRIGADIER2JCS]

Ok, now you need to put the account into

dispute as the CCA information does not

comply, use the template letter in the CAG

library and tell them that no further correspondence

can be entered into until the compliant signed

and properly executed agreement is supplied, send

this letter recorded delivery addressed to THE COMPLIANCE

MANAGER at Lowells, check delivery on line.

 

Brig.

[benjibutton]

Hi Brig

Thank you I will do this. One question, do I have to do this in the future if another DCA surfaces? so, I am almost following the same route as I originally did with SBC?

Thank You

[benjibutton]

Sorry Brig

Must be thick are you referring to the CCA request letter - with the £1 or another - not sure?

Cheers bb

[BRIGADIER2JCS]

No they have not complied with

your lawful request by sending an

unsigned app form this is the account

now in dispute letter no fee needed,

it now puts them to proof of the debt

and their right to collect.

Have a read through the templates

I think there may be a couple to suit.

 

Brig.

 

Let me know if you need help

with it and I'll put something together

which you can amend.

 

Brig.

[benjibutton]

Thank You Brig

I need help because I sent Lowells the " serious dispute" letter - their response before was that HSBC stated they had closed complaint and sent final response letter but amount was still owed. this sent them away last year so when they wrote recently I sent same letter, but this time received above info and statements

[BRIGADIER2JCS]

OK, what you are telling the now is that

the documents they have supplied do not

comply with a request under CCA 1973 sections 77/78,

and until they comply you will not correspond further,

this is Lowlife attempting the BULL SH*TE baffles

brains approach by sending meaningless bog paper.

[benjibutton]

Brilliant Brig

Should I send it recorded to their Compliance Manager?

[BRIGADIER2JCS]

Hi Ben yes so you can track, trace and time delivery.

 

Brig.

[benjibutton]

Thanks Brig Will send tomorrow, and allow them 10 days + 2 to respond with copy of SIGNED agreement or they are also in serious breach. You've been great Will let you know result. Weight off my mind & OH Thank you once again

bb

[BRIGADIER2JCS]

bb, The time limit is not relevant on this

letter as it is a complaint of non compliance

under the CCA 1974 just state you expect

a reply within 14 days as the final sentence

of the letter.

Brig.

[benjibutton]

OK will do thank you will "fiddle " with your star -lol

bb