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    • If someone only receives a Govt benefit - ie working tax credit - and barely has enough money to pay for food, utilities, public transport and general essentials - what happens if their bank receives a 3rd party order to freeze the account because of an unpaid debt and a mistaken assumption that account holder has hidden funds/savings ?  Does the bank allow the account holder access to the bank to pay for life essentials?  Or does the bank literally freeze the account so nothing can be bought, no bills paid for ?   
    • Hi   As promised here is a response I have put together for you please fully amend as required   Dear XXXXXXXXXX   Complaint Reference: XXXXXXXXXXXXX   Further to your correspondence on XX/XX/2021 I find your response unacceptable for the following reasons:   You felt there was a data breach due to maladministration as we had the incorrect email address for you. As previously advised, the email was not sent to another individual but was undelivered due to having the incorrect email address. I   have requested a copy of the undeliverable message from our IT team. Once this has been received, I   will forward it to you. This has not been reported to our data protection officer as there was no breach. I  did also try to contact you by telephone to get the correct email address after it was returned to us, but there was no answer   I disagree with the above for the following reasons:   a) The Housing Association that sent it to the incorrect email address  b) The Housing Association were fully aware of my email address as you have been responding to myself at my email address even when I initially reported this and had a response from your online portal. c) This was a potential Data Protection Breach irrespective that it was undelivered and should therefore be reported to your data protection officer. d) You were responding to my emails at the correct email address and the as previously stated when I initially report this and got a response from your online portal to my email address, you incorrectly sent the response to an email address due to typo errors in that email address by the individual that sent.  e) If the individual that sent that email to the incorrect email address due to typo errors was yourself then you have a Conflict of Interest in dealing with this matter as it involves yourself and someone else should be responding to that matter therefore I require clarification if it was indeed yourself that sent the email to the incorrect email address.   You feel that this should be a stage 2 as your response was out of time due to having the incorrect email address. You received the response one week after it had been originally sent, once you provided the correct email address. This would not meet the criteria for escalating to stage 2. I  had already offered compensation of £25 for the delay in responding to your complaint. My colleague that reviewed this for stage 2 has advised that an additional £25 could also be offered to compensate for the delay caused by not having the correct email address.  Please note any compensation awarded would be offset against outstanding arrears in the first instance should there be any on your account.   I disagree with the above for the following reasons:   a) Your initial response was sent to an incorrect email address due to typo error irrespective that it was received one week later it was still out with the agreed stage 1 Time Limits therefore should be dealt with as a Stage 2 Complaint    Contents insurance is the responsibility of the resident to arrange. You are aware when you take on your tenancy that your personal belongings are your responsibility to repair and maintain, not A2Dominions. As such, any insurance to cover these items would have to be arranged by the tenant. There is no requirement for us to advise of this. Your tenancy agreement gives a comprehensive overview of what is A2Dominion responsibility. Should you have any queries about these. you can refer to the document   I disagree with the above for the following reasons:   a) As I was not aware of this by your staff when I took out this tenancy but you point out I was made aware therefore I would like to be provided with evidence from my housing file that I was informed of this when signing this tenancy agreement. If you cannot provide this then you cannot state that I was made aware at the time of taking up this tenancy. b) You point out their is no requirement for you to advise of this which I find astounding for any Housing Association to state this as they should be making any new tenant fully aware that Contents Insurance is required and the reason.   I  have been informed that the flood affected many members of the community that day. There were so many people affected that a local support group was also set up. This shows that the issue was widespread, not just limited to affecting your property and also proves that the issue stemmed from a wider mains issue. I do appreciate that there was a blockage in your drain which exacerbated the issue within your property, but as advised in my stage 1 response, this was attended within our urgent call out timeframe of 24 hrs. This was then passed back to Pyramid Plus as they were unable to dear the blockage, and follow on works were arranged. We are unable to attend to issues until we know about them, and we attended as soon as this was reported to us.   I disagree with the above for the following reasons:   a) In a previous response you blamed the mains water companies issue therefore not the Housings issue now you have changed it to a wider mains issue yet as I preciously asked to be provided with evidence again you have failed to provide that evidence. b) The blockage which you have previously been in denial about and suddenly admitted and openly blamed the main previously you have know admitted. As this blockage I within your property boundaries and is inside internal in my property the Housing is responsible for that issue and the further damage caused. In reference to your request for the previous reports by other residents, we would be unable to provide that information to you. We cannot discuss any reports by other residents under any circumstances   I disagree with the above for the following reason:   a) My request for how may tenants have complained about this you previously stated 'your system does not allow you to find this information' and now it is 'we cannot discuss reports made by other residents under any circumstances' I find this completely unacceptable as I did not ask this I only ask how many tenants had complaint about this issue whether it be one or ten as an example how difficult can it be as this does not breach any data protection laws and if you still insist on this approach then you can provide my with with full and I do mean full clarification as to your reason with which article and section of the data protection act you are using for your failure to comply with a reasonable request and your failure still to explain FOI.    
    • No!   Not because what you've written is wrong - it isn't - but because it's best to keep Simple Simon in the dark about how you are going to bat off his claim.   Look at   https://www.consumeractiongroup.co.uk/topic/393251-received-a-court-claim-from-a-private-parking-speculative-invoice-how-to-deal-with-it-hereupdated-jun-2021/   and then scroll down to   Q2) How should I defend?   Adapt the defence there.   The more you read up on VCS "no stopping" airport threads here the more you'll educate yourself on what needs to be done.
    • Defence :   1. No keeper liability as this is not “relevant land” under the POFA 2012 and I the defendant puts it to strict proof that VCS show as to who was the driver at the time. 2. No contract was ever offered by VCS, land is subject to own byelaws and signage is prohibitive so there can be no monies due as a result of either a contractual charge or as a result of a breach of contract.   is that enough?
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Hsbc buy back debt to investigate PPI reclaim


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I had a Loan with hsbc in 1999 i lost my job in 2001,

the loan had protection and i had that paid for 12months

after this I could not pay as was on a course and I defaulted on the loan

and the debt went to Metropolitan collection services.

 

I was paying them back £48 per month during the 2003 and put it up after they wanted more money to £51 per month

 

now out of the blue I was contacted by Direct Legal and collections demanding £10k on my mobile phone and also my home phone.

 

I asked the lady on the phone who are you I have never heard of you,

She said that a letter was sent saying that they had bought the debt.

She asked for my date of birth and postcode

I said sorry I dont know you,

you are probably a fraudster write to me if you got all my details.

 

after contacting MCS they told me they passed on the debt to Hillesden on the 13th Jan 2009.

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Hi Blobbypet,

It would be better if you started your own thread as this could get missed.

 

I would send a SAR to HSBC as there is bound to be loads of charges on there.

You could always send MCS a CCA request too.

Wait the prescribed time to see what they come back with but most important, DO NOT SPEAK TO THEM ON THE PHONE. Tell them that you want everything in writing.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Sorry, Fox.

 

I must have moved it when you were typing ;)

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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That's ok scott although i did start to think I was having another senior moment :)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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There shouldnt be no charges as I had loads of debts at the time of my unemployment

and got in touch with cccs and they helped me to write to my creditors,

I got all intrest frozen.

 

Just looked on here and found something else about hsbc

 

they stoped payments after 1year on my protected loan plan

and they may have missold this to me.

 

Can I claim against them???

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You would need to check the terms of your PPI but I thought that it only covered up to 12 months anyway(i could be totally wrong on that)

Before CCCS got involved you would have racked up some charges but that goes back a long time and you may not be able to go back that far if you decided to reclaim any that are there.

 

I think for now the best way to go is to CCA DLC

 

Send them this:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

 

Just in case you don't know the rules :)

 

Send the letter with a £1 postal order, no cheques

send by recorded delivery

do a track and trace on the post office website

do not sign anything, just print your name

Give them 12+2 working days to reply.

 

See how you go.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Oh and if you can, scan and post their response to you. Good luck

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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I did thone them today and asked why I havent been told that it was being passed to dlc

I also asked them for a stament of all the funds that they have had off of me since they aquired the debt from HSBC nd they said they will send it in the next few days.

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Here is email sent on 19th jan:

 

Further to our telephone conversation today,

we confirm that as off 13.01.2009 we purchased the above balance from our client HSBC.

 

Based on the information supplied today it is our intention to look to secure this balance by the means of a charging order.

 

To prevent this action we are prepared to accept £7551.35 on card before 7:30pm today followed by regular monthly repayments of £125.86 for 12 months.

 

This is a reduction of £1006.85 but should these conditions not be met then we pursue for the full balance.

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We hear this all the time do not give any info over the phone not even your address it is up to any DCA to have the correct address details etc. if they don't have your address to write to it is more than likely that they are on a fishing trip trying to find someone with the same name etc. Wait till they write to you then post on this thread again.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Hi,

 

Wait to see if they comply with your CCA request.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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they signed for my letter cca today

 

So they should get back to you by the 16th Feb.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Blobby

I'm in almost the exact position to you. Similar amount owing. Was paying to MCS. Today got letter from DLC saying Hillesden have bought the debt. The letter says "Hillesden trading as DLC" (so Hillesden is DLC and vice versa).

The DLC letter is quite aggresive eg "we will start reporting against your credit file within 30 days", "failue to respond will result in legal action" etc.

I intend to continue to pay the same amount as I did with MCS. I will fill in the form they sent (minus phone details, email, homeowner etc) telling them this. But only after they have complied with a CCA and SAR request. Until they do I will put the payments to one side.

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Hi Denver did you also get a letter from hsbc ?

 

weird as it was sent from same place as the rear bof envelope is from dlc,

 

I contacted the head office of hsbc and was after 9 different calls found the guy whom supose to have sent this letter.

 

He said where did you get my number from this a my direct number!!!!

 

I asked if he normally signed his letters he sends out and he was a bit misified and asked where am i comming from,

I said i have been threatendby dlc am am not happy about it your name was on one of the letters.

 

He asked my reference number and said that was a computer generated letter which is quite legal, it was an assignment notice.

 

Funny how i asked for a cca and got this,

still times running out I said for the cca only have 12 days,

he said 12 days if we can but we still can take longer if needed

but they cant take any further action untill this has been received by me.

Breathing space but im still paying or the bank is paying hsbc acording to my bank statements

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Hillsden/DLC/MDB are all interlinked and run by a guy called Tony Locke, whose business practices have a lot to be desired. Never mind his threats and scan what you get on here to have it checked. Hillsden had trouble with the Data Protection Act so that is an Achilles Heel to hit hard if there is no agreement and they have been processing your data without one.

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Phillip McCallum is dealing with my account had emails from him

write to confirm that a copy of the original agreement taken out with HSBC and a statement of account have been ordered this morning. This may take up to 3 weeks to arrive in our offices.

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just got letter back from AE Locke of Hillesden

 

Dear Mr XXX

 

Accont number xxxxxxxx Formely HSBC xxxxxxxxxxx/xxxxxxxxx

1. I acknowledge recipt of £1 in connection with your data request under the Consumer Credit Act 1974.

2. We are still awaiting a copy of the requested documents from our client HSBC. When this becomes avaliable it will be forwarded to you.

3. If we are unable to forward a copy of the original agreement, We will be able to supply a true copy of the document which will comply with section 77-79 of the Consumer Credit Act 1974.

 

Should you require anything further please contact me accordingly. I will update you on developments in 21 days if there are no developments beforehand

Yours sincerely

 

:(

 

 

A E Locke

Director & Data Controller

 

Direct Line. 01280 707513

 

WHAT NOW?? :eek:

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Hi,

 

Wait until they comply, if they do, post up whatever they send you so people can check it out.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Blobby,

 

Sorry I haven't got back to you sooner. I am only sending off my CCA request today.

 

Re; the letter they sent you (above) - just sit tight. They can do f... all until they provide that signed credit agreement. Number 3. in their letter sounds dodgy. I'm sure someone on here will have info about what that means and whether it's acceptable (I doubt it).

 

Just wait for them to respond.

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