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HSBC/Wescot/H L Legal help


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HSBC have been chasing me for a debt for some time which they passed to westcot.

 

I sent wescot a CCA request which they didnt respond to within the 12 day period. They then wrote to me stating the file had been passed back to the client and that I would hear no more from them.

 

HSBC have now passed the file to H L Legal solictiors who have sent me notification of court action to obtain a ccj against me.

 

As they are yet to respond to the CCA request can they do anything? I have downloaded a couple of template letters from here, the one to a solicitors after a cca has been ignored and the one where it has been passed on to another dca.

 

What letter should I send them as I made the cca request to westcot. Do I need to send another cca direct to HSBC or H L Legal?

 

really not sure what to do now. any help would be great.

 

Many Thanks,

John.

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Send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/575-letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request- change the line On (date) I made a formal request to your client pursuant to s.78(1) of the Consumer Credit Act 1974. to "On (date) I made a formal request to Wescot pursuant to s.78(1) of the Consumer Credit Act 1974."

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  • 1 month later...

Hi just thought I'd give a quick update to this. I sent the letter as mentioned above and waited about a month and finally got a reply from H & L.

 

They ignored the letter I sent and said this -

 

"We write to confirm that we have instructed to agree a discounted settlement figure with you to clear this account."

 

should I respond to this or just leave it?

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