HSBC - 5 calls this evening!!!

[HF whO?]

i cannot understand why people give their telephone number to these companies'

 

Well if I was in a position where I thought that I wouldn't be able to pay back the borrowed money then I would have never have taken it in the beginning?

 

Unfortunately circumstances change.

 

Not sure that I would be boasting about supplying incorrect information though, surely that's against the law:p

 

 

 

Anyway, the Account in Dispute letter was signed for on the 14th July 2010 (Today)

[Guest jsa12]

some people these days' dont have home phone's,these companies will use this method of contact to abuse,hsbc gave me £8000 this rapidly monthly from a limit of £1500 straight after a mental health problem and on benefits i have been on benefits for over ten years,as you say circumstances do change then they should no better to try the tactics that they do.

 

a telephone is not there for nuisance callers' to cause needless anxiety distress trying to hassle at every opportunity and at times attempt to mislead,telephone conversations lead to great distress for many they will threaten you your home without any legal right to do so. just buy another sim card and do yourself a great favour,virgin sims do not disconnect after six months non use and auto dialer will bypass you.let them send letters instead get in writing and then straight to trading standards if they try one on.

[HF whO?]

i cannot understand why people give their telephone number to these companies',while it is illegal to cause needless anxiety/nuisance over a public telephone network they will still do so. i give them an old virgin sim number,once i had a call from metropolitan the woman snapped at me "are you refusing to identify your self" who you speak to on your phone is up to you.they sit there waiting for someone to pick up that's why sometimes there is silent calls'.

 

beware of those who attempt to mislead who they really are,some time ago i received a suspicious call in the evening from a someone who couldn't help giggle rabbit on about life insurance and proporting to be from an american life insurance company.this i suspect was metropolitan.also the suspect MBNA "home owner loans for preferred customers" letters with a birmingham returns address on the back and a reference beginning MC offering to increase the debt to a total of £28,997.60 from £8000 unsecured the last thing someone would want to do.

 

here is how to do a dark strip in word downloaded from here at the forum.

 

 

if you truly have to use your signature, create a way that it would be hard to copy.

One good way that was recommended is to use a shaded text box. Especially if you sign over the edges.

To make a shaded text box in word:

Go to Insert, then Text box.

Move the cursor over the chevrons on the outside of the box and move the box to the desired location. Double click the box if they don't show.

Resize the box as required using the little circles on the chevrons on the outside of the box.

Double click the chevrons and a new box pops up. This allows you to enter the background colour, line colour and thickness.

I have used a standard box with a FILL COLOUR of -25 GREY.

 

 

 

 

and the anti-tamper sign, the bank will have your signature anyway so its really pointless sending in digital form.i would only send a digital signature if i had never signed something.i have been waiting for my cca since march from account opened 1996,they (metropolitan)went quite about the first months stopped payment and wrote the following month about making further payments as agreed totally ignoring refference to the previous cca request and follow up reminder,the account dispute letter was sent and a further letter arrived thanking me for my letter and would respond when in a position to do so,its nearly two months and nothing, no statement, no cca.i am really fed up with them because of the way they carried on in the past demanding substantial increases in payments then trying to hassle another pound on the phone,i would not speak to them on the telephone ever again,they did offer to settle at a discount of up to 30% last year and i hadn't heard from them since the letter two months ago.i have a feeling i will be waiting a while longer.

 

some people these days' dont have home phone's,these companies will use this method of contact to abuse,hsbc gave me £8000 this rapidly monthly from a limit of £1500 straight after a mental health problem and on benefits i have been on benefits for over ten years,as you say circumstances do change then they should no better to try the tactics that they do.

 

a telephone is not there for nuisance callers' to cause needless anxiety distress trying to hassle at every opportunity and at times attempt to mislead,telephone conversations lead to great distress for many they will threaten you your home without any legal right to do so. just buy another sim card and do yourself a great favour,virgin sims do not disconnect after six months non use and auto dialer will bypass you.let them send letters instead get in writing and then straight to trading standards if they try one on.

 

 

Just to confirm that no more calls are being received, a signature is not required and the account is now in dispute

[Guest jsa12]

thats good,i had suspicious calls on my home phone before it was disconnected some years' back in 2005 its a favorite tactic of metroplitan's although in the last few years i beleave they now have a call centre somewhere in the philippines,i am in a similar situation and have tried to share some of my experiences' with them.

[HF whO?]

thats good,i had suspicious calls on my home phone before it was disconnected some years' back in 2005 its a favorite tactic of metroplitan's although in the last few years i beleave they now have a call centre somewhere in the philippines,i am in a similar situation and have tried to share some of my experiences' with them.

 

I shall post an update as and when I receive one:wink:

 

Since reading threads/posts on this forum I no longer ignore telephone calls, In fact I become quite disappointed when it's not someone asking for money:lol:

[Rayne]

LOL I'm with you on that one, there's nothing better than turning a mindless chattering untrained chimp into a mindless silent untrained chimp and then getting THEM to hang the phone up :D

[HF whO?]

LOL I'm with you on that one, there's nothing better than turning a mindless chattering untrained chimp into a mindless silent untrained chimp and then getting THEM to hang the phone up :D

 

I must admit I have had a few occasions where they have caught me off guard on a bad day:p

 

Halifax a while back for something like 73 quid... Companies chasing me for thousands and they're worried about 70 odd bloomin quid! Muppet's:grin:

 

You always end up chuckling. I particularly like it when they tell me not to swear or they'll hang up lol lol lol

 

They call US on OUR PRIVATE Numbers asking for money that we don't have and expect not to be sworn at??? and like I'LL be bothered if THEY hang up:grin:

 

I can think of a few words to express my views regarding this matter:lol:

[Guest jsa12]

On the final day of the 12+2 Metropolitan have produced!

 

Not what I asked for but a response nonetheless

 

 

The letter that was sent was signed by my other half but not using her usual signature.

 

I asked that she sign it with her first, middle and surname in her own hand writing.

 

This was completed and sent recorded with the £1 postal order.

 

As they have not complied with the request I am now going to proceed with the "Account in default" letter.

 

Can anyone think of any reason as to why I shouldn't do this? I'm sure I have also seen information on here that advises on such tactics used by these collection agencies so I'm off to search

 

 

they are just stalling along,i sent them a signature on a grey background,having said that i still have not received a thing from metropolitan.the positive side is you have stopped paying them and importantly got them off the phone,the best place for them.i noticed in the last sixteen months' or so correspondence from them died out also.

[dx100uk]

they will not have a copy of the sig anyway

typical MET

winging it at every step of the way.

 

they'll leave you alone now

 

ask for you £1 back!

 

dx

[HF whO?]

they are just stalling along,i sent them a signature on a grey background,having said that i still have not received a thing from metropolitan.the positive side is you have stopped paying them and importantly got them off the phone,the best place for them.i noticed in the last sixteen months' or so correspondence from them died out also.

 

they will not have a copy of the sig anyway

typical MET

winging it at every step of the way.

 

they'll leave you alone now

 

ask for you £1 back!

 

dx

 

 

I don't think they have the signature any more either. If they have not replied within another 12+2 working days then I shall write again demanding that they return the money/

 

Thanks for your help

[HF whO?]

No CCA provided to date and not even an acknowlegement of the Account in Dispute letter?

 

I wonder if the next letter will be received from another DCA and the same will have to be done?

[Guest jsa12]

i am still waiting since march i have not received mine either,they are so supposed to send a statement of account too,i haven't not seen that either the service is atrocious,while there was no shortage of threats' and they will be back there is nothing else in sight.you may find that a "forget about it if you will" and a letter demanding a missed payment its "imperative" these must be on time to "avoid further action",then after the s10 letter a thank you for your letter and we will respond when in a position to do so.i do hope they are not misleading me as this oft statement comes to mind.

 

 

"hiding or disguising the fact that there was never a proper signed agreement in the first place".

 

 

i will give them a while longer,if nothing i will send this.

 

 

 

Final Response - No CCA Received

 

 

Dear Sirs,

 

Account No: XXXXXXXX

 

I write with reference to previous correspondence, and in particular to the above numbered account which, for ease and clarity, I hereby deem unenforceable in line with s.127(3) CCA(1974) and this letter is my final response on the matter.

 

In my original letter, dated XX/XX/XXXX, I requested a copy of the credit agreement to which I genuinely expected to receive an exact copy of that which you hold in your records i.e. an actual photocopy of the agreement which is allegedly signed by myself and your representative.

 

To date, no agreement has been sent and as a result this account is unenforceable in line with s.127(3) Consumer Credit Act 1974.

 

Whilst I appreciate that under the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 you are able to omit a signature and date box from a copy, I don't somehow think you are allowed to simply not respond / respond with junk? Therefore my original request remains outstanding as I would like to hold in my records an exact copy of the document that you hold. I do not want a piece of paper that alludes to there being an agreement; I would like a photocopy of the actual agreement.

 

I do not think it is a lot to ask for you to simply go and fetch the original agreement, photocopy it and pop it in an envelope to me. The only reason that I can presume avoidance of such a simple process is if you do not actually hold a copy of the original agreement in which case may I remind you that OFT Guidance clearly states that lenders would be acting unfairly, and potentially in breach of their consumer credit licenses, if they misled borrowers by:

 

• hiding or disguising the fact that there was never a proper signed agreement in the first place

• providing only a copy of the current terms and conditions, not the original ones

 

In order to be able to adjudge my position effectively I require a copy of the actual agreement that apparently exists and I therefore appeal to you to fulfil my request. I am willing to pay any reasonable charge that you feel is necessary, in order to provide a copy of the “actual” credit agreement. In considering my request, I ask that you take a common sense approach and do not hold to the line that you have provided all that is expected of you nor the recent test case in Manchester, namely, and to be known as: Carey v HSBC Bank Plc [2009] EWHC 3417 (QB) (23 December 2009).

 

I make my request in good faith and I feel it is a nonsense approach to hold to the idea that you won’t provide this document because you simply don’t have to. I feel that would take advantage of your position and such an approach from your business not be in the best interests of a healthy business/client relationship. In light of the above, I consider this account to be unenforceable until such time you properly comply with my original s.78 request and send a photocopy of the original purported document, if it exists. If it does not, then you must confirm this to me in line with your licensing guidance, as detailed above.

 

In addition should you continue to pursue me for this debt you will be in breach of OFT guidelines. These guidelines (issued July 2003 & updated December 2006) relate to debt collections and what the OFT considers unfair, I have enclosed an excerpt from page 5 of the guidance which states;

 

2.6 Examples of unfair practices are as follows:

h. Ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

 

As this account is clearly unenforceable, I expect you to write back and confirm that no further action will be taken and that the account is now closed and no further correspondence will take place; irrespective, unless you do supply a copy of the original agreement I will not correspond with you again and any threats will be averred and unlawful and vexatious with a counter-claim forthcoming.

 

Yours faithfully

 

 

Sign digitally

 

 

 

the benefit is that payments have now stopped,the account is in depute and it cannot be sold on.

[delicarik123]

I have had the same with these people, they keep sending letters, but phone calls stopped. My account has been in dispute since last October, but they keep passing it around amongst debt collections agencies (most of which I suspect are in house) certainly MCS are! Each time I have sent a simple letter stating the account was put into dispute and gave them the date, they still continue to pass it around but I am no longer replying to them.

 

I get a letter a month approx but the gave me the run around on my SAR saying that I had to sign, I phoned their number and verified myself over the phone, I then had a letter in January saying that all my info had been sent to a local branch, so I left work early one day and low and behold, nothing waiting for me, then a contradicting letter came saying that they weren't going to send it!

[Guest jsa12]

they are just giving the run around and are a complete shambles' of an organisation,it appears they once confirmed there is no cca but that has looked to be stopped as its counter productive to them.at least their not receiving any payments' and that can only be a good thing as its what they are supposed to be there for. its gone quite here for the time being,however from reading other threads other internal groups' become involved at a later date"the central debt recovery unit" and "d&g solicitor's" these appear from reading to carry on the earlier pattern of tripe.all this can be presented at a later date if necessary so that's a good thing too.

 

it all boils down to arrogance/incompetence and to rely on bullying to achieve their goals' when that fails they are completely stuffed.

[delicarik123]

Absolutely, I have had Central debt recover and D&G, if they had something on me, then they would have had me up in court by now i'm sure. If they want to play games, I can play them too!!

[HF whO?]

First the no signature letter and now this one?

 

 

Sounds like someone is stalling? Is there an attack mode that can be adopted to force their hand or is it just a case of sit and wait???