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Hi

 

I've not been on here for a while. But today I have received a letter!!!!

 

Basically the letter is in three parts. The first letter appears to be from HSBC informing me that Lowell Financial have been sold the debt and any correspondence should go direct to them.

 

The second letter is from Lowell financial stating that I owe (HFC BANK LTD) £4050.

 

The third part of the letter is from the OFT giving me an arrears notice.

 

Ok, as you can see Lowell are stating that I owe HSBC BANK and HFC BANK £4050. Both of these letters have the same account numbers. I took out a loan with HFC BANK in 2000/2001. Got into financial difficulty and paid HFC a nominal amount through a debt consolidation company. I was paying this company up until 4 years ago when I got divorced and moved away.

 

However, I have never dealt or had any dealings with HSBC BANK.

 

What should I do please help

 

Thanks

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HFC are part of HSBC group and what you have had is a notice of assignment telling you that Lowell now own the account and it is they who now have rights to the payments.

 

I am not sure that the last part of your post is right though...the OFT giving you an arrears notice?

 

Did the debt company pass your payments on?

 

Is there any other dispute on the account?

 

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I was under the impression they were making payments. Because i have heard nothing from hfc for at least 9 years. then I stopped paying the company then this letter arrives.

 

I was thinking maybe a CCA and SAR request what do u think? if i remember right this was a loan i had

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I was under the impression they were making payments. Because i have heard nothing from hfc for at least 9 years. then I stopped paying the company then this letter arrives.

 

I was thinking maybe a CCA and SAR request what do u think? if i remember right this was a loan i had

 

Any advice? I wasnt really worried too much about the previous debts. But, this one is £4050 and somehow lowells have got my home number and are calling everyday!!!! What should I do?

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You need to establish if hte DMP company was making the payments.

 

Sending a Subject Access Request would be a good move - there is a draft request in the CAG library, highglighted in green, top left of the screen. You will need to send £10.00 with the request and the company have 40 calendar days in which to provide the data. It should be sent to the Head/Registered office of the original Creditor.

 

Send a CCA request to Lowells if they are the new owner of the account.

 

There is also a telephone harrassment letter in the CAG library - if Lowells are telephoning as often as you say, then send that and demand they cease doing this.

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