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    • Well that will lead to more backdoor CCJs. I think you need to complain to all and sundry.  Let's start with the BPA.  The BPA are PE's mates, so they will never decide that PE have done anything wrong.  But that's not the point, correspondence between the two may lead to PE promising to write to the Scottish address, which is all you want.  Check the below for accuracy as methinks you have sent more correspondence that what I've quoted.  How about something like - Dear BPA, Re : Parkingeye Ltd PCN no.XXXXX, Claim no.XXXXX PCN no.XXXXX I am writing to complain about your above-mentioned member. I understand of course that you cannot enter into the merits of why a PCN was issued. The reason for my complaint is that, instead of writing to me at my address at XXXXX, Scotland, your member insists in writing to me at XXXXX, England, which is an address which I have never lived at.  I have always resided at the Scottish address.  The address registered with the DVLA for the vehicle is my Scottish address. I first because aware of this mess when the person who lives at the English address kindly contacted me, to tell me that a County Court Judgement for me had arrived at that address.  I requested that Parking Eye agree to a set aside by consent.  However, they refused.  I ended up paying £XXX despite having had no chance to defend myself. Regardng the second PCN, I attach correspondence dated XX February and XX March.  The latter was a complaint - which your operator has completely ignored.  Even worse, they have instructed debt collecting agencies twice to write to the English address.  On top of this, the person at the English address is moving out next week which means I am in danger a second time of losing a court case by default. I would therefore like to complain about your operator and would request that you instruct them to do what should be a simple thing - to write to me at my correct address. Yours, XXXXX
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    • Hello DX -  So an update:  Resolvecall have written to say they have closed the account with them and passed it back to Capquest after receipt of my SB letter. Capquest have written twice, once offering a payment plan and the second letter after receiving my SB letter saying they are looking into my complaint and will respond within 8 weeks.   Absolutely no mention of what the debt is, was or from when or any details still.   Is this a case now of waiting to see what they come back with or is now the moment for me to send another letter via Solicitor please?
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    • Working on WS, get that in the post then contact sols is the plan. The sol has misgendered me in their WS
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HSBC Offer which will reduce outstanding debt on a seperate account?


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Hey

 

I received an offer today from HSBC which i am happy with. The offer refers to 2 loans which were settled in 2005 and 2008.

 

I however defaulted on a seperate loan in 2010 and the majority of the balance remains outstanding.

 

They have stated the monies will be used to pay off some of the outstanding debt. Can they do this? After all the PPI reclaim relates to a closed account?

 

The account still outstanding remains with HSBC though i have had a third party DCA write to me.

 

Any advice is appreciated

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Thats annoying. I am not sure if they still own the debt or not.

 

Now i read on here about banks paying off against an existing balance for the account in question but i didn't realise they could offset the money against a seperate account with a different account number.

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Yes they can if it is within the same banking group and only against notified arrears.

 

If the account had been sold you should have received a Notice of Assignment whicvh is basically a letter from one or both of the parties telling you that the debt has been sold/bought.

 

A check of your credit file should confirm who owns the debt.

 

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yep get your CRA file

 

see my sig below

 

 

noddle is free.

 

if you have not been receiving REGULAR letters

entitled

notice of sum of arrears for the runing debt

 

then they will have a difficult time in off setign against arrers NOT notified to you.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks for your replies IMS and DX, Its appreciated.

 

I checked my CRA and it does state HSBC own the debt.

However, i have had previous letters from Lewis DCA regarding the amount outstanding.

 

I contacted Metropolitan collection services via telephone

and established that the debt was sold

and owned by Lewis DCA.

 

I asked whether they were chasing the debt on behalf of HSBC or was it owned by Lewis.

I was told it was now owned by Lewis and not HSBC.

 

Then i was informed HSBC have recalled the debt in order to pay the PPI refund and once that offer is accepted the debt will go back.

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stay off that phone!!

 

writing ONLY!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yuo REALLY ned to get yr CRA file

 

that will tell you the owner of the debt

 

DONT believe a word a DCA says on the phone ever!!

 

if they debt has ben sold

 

halifax cannot offset against it.

 

someone is talking BS here

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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That's the first time i have spoken to a DCA in many many years.

 

I got both my Credit Files from Equifax and Experian and both say it is owned by HSBC but like i say, Lewis have been writing to me for the past year.

 

Time to write a letter to HSBC i think

 

Are there any templates or any information to assist in my reply?

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