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katfish81

HSBC passing on debt..

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Hi all..

I wonder if anyone cas help.

 

I have just payed off my overdraft with HSBC and had a few hundred in credit as a result.

I have now seen that they have taken £200 from my account.

On enquiry, i was told that this was against a credit card i had with them..

My husband sent a cheque ( we are in the process of finding out exaclty what happened to this cheque!) For the full owed ammount.. £1600 ish around a yr ago.

I therefore thought it had been payed off and game over..

But, I now find, there has been no payments for 2 yrs according to them.

It was passed to Metropolian Collections and now is in the hands of another agency which may be Allied. But, as i have no record of known corresponcence, wheni call they pass me to a call waiting and then answer phone. I have attempted to conact them all morning to no avail!

 

Apart from the obvious chech on the.... Cheque that was sent, what is my next move??

 

Cheers, rather stessed here!

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When you cleared the balance was there any interest added after ... this is usually what they do I would send a SAR to the bank to see what charges they have added


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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As of yet, they are saying that nothing at all has been paid for 2 yrs and no payement was recieved at all with regards to that cheque. Sadly i dont think its as easy as interest :O(

I have read about the CCA letter.. is it worth sending one off to the agency that are supposed to be dealing with this 'debt'? Whats a SAr.. im so new to this, lol

And I spelt HSBC wrong do'h

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sorry... it didnt display it all ... i haveno read what an SAR is

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A sar is a request for all the data that the bank holds on you -- All your statements ect. The Consumer Forums - Bank charges templates (consumer) the letter to send is letter 2 . this costs £10

 

I would certainly send a CCA request off to the DCA that has approached you that can be found here The Consumer Forums - Debt collectors letter 8 and costs £1

 

Saint


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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I have amended the title as well :)


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Hehe thank you for the help.

How on earth do they expect people to settle debts in any way shape or form if they dont tell you a thing about them?

pft...

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