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    • Birmingham council are wrong.   However, you probably left yourself open to this problem by not changing the keep details.  You should do this now.   Also are there any other lurking problems which could come up and bit you?  You should make proper arrangements to redirect post or to inform creditors etc. This is the kind of scenario where you end up getting backdoor CCJs which then become difficult to deal with
    • What do I need to send on SAR? Do you have an email from them ?    I have 1 year with them .  I ve been made some international transactions because I ve been buy a car and a house I was need to send monthly money . I m a self employed, so I earn my money by myself . I didnt do nothing wrong with them . When I open my account I let them know that I m self employed and I can prove that .   I m in a desperate situation as I m not having any money for my company that I just open to can run 
    • Birmingham City Council,  told me because the car is on my name I am responsible  for it and I can't have anyone take the blame.  
    • Send them on SAR immediately. Do it today. Read up on this forum and elsewhere on the Internet about crifas. How long have you had the account? Have you been having large sums of money going in or out recently – especially paid in cash? This kind of unexplained behaviour generally relates to something that triggers a suspicion that your account is being used for money laundering or some other kind of fraud. If that's what has happened then you will find it almost impossible to get information about it and also almost impossible to find out when your account might be made available to you. If a CIFAS marker has been applied to your account, the bank takes upon itself absently Draconian powers and you will scarcely even get any assistance from the FOS who quite frankly are simply a poodle to the financial services sector
    • In addition to dealing with the individual problems that this person is creating for you, you obviously need to deal with it holistically because there is a problem of identity fraud which may well continue and will certainly affect you and your family throughout your lives. Nobody should underestimate the seriousness of this kind of thing. Although people will commonly apply the label of "identity theft", what you are actually dealing with here is "identity fraud" and it is well understood in academic circles. The police were quite wrong to say that there was nothing they could do. I'm afraid that this reflects under-resourcing coupled with poor staff development and a poor attitude. There are offences being committed here and the girl herself is committing fraud contrary to sections 1(2a), & 2 of the Fraud Act 2006  https://www.legislation.gov.uk/ukpga/2006/35/contents   Of course the police will find it very difficult to do anything and given their resources, I suppose they have other priorities. However, you could be certain that if your family was related to the head of the local police force, they would be dealing with it PDQ. You say that this has been going on for a number of years – but you don't say how long. Maybe you had better give us a detailed account of what has happened. Please set out in a bullet pointed chronology so that we don't have too much narrative but a good structured idea of what has happened. This should include a list of the problems which have occurred and how they have been dealt with and also complaints which you have attempted to make. You definitely need to start taking this very seriously. How old is your daughter? In terms of opening mail, you should open every letter that comes to you and if you find that it is associated with this fraud, then you should photocopy it/scan it into a computer and start building up a file. I hope you have kept some of the correspondence and other documents which you might have received. Please let us know what you have. You are definitely going to have to start accumulating a robust file of evidence and I suggest that the first thing you do is you start sending SARs out to all of the organisations which have been involved and see if you can tease out of them any personal data that they might have which is apparently linked to you. Either they will provide you with a statutory disclosure – or, of course, it will be amusing if they say that they are more proof of your identity and that they won't let you have the disclosure because they are not satisfied that the data they have relates to you. I don't think you're in a position to make any serious complaint until you have put together a convincing file of evidence which shows that there is systematic identity fraud. We will help you to start to do this and help you to structure the file that you will put together and then we can begin to explore avenues to make a complaint. It also occurs to me that they could be a basis here for making a complaint under the Protection from Harassment Act 1997 although this would be an unusual application of the act – but we can have a look when you put together your file.  
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Preference Account CREDIT CARD HBOS


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Preference Account HBOS

 

Another account being collected by a debt collection company

 

This account was under taken back in 2008 on condition of a loan application being accepted by HBOS for £12,500

 

Account opened in 2008 and defaulted in early 2010

 

I wrote in March 2010 requesting that due to problems the account be closed and charges/interest be frozen or accruing on the account. ( Have letter from March 2010 )

 

Just located documents/statements from 2010 as follows

 

April to sept 2010 defaults fee's, 5x£12 late fee's 5x£12 over limit fee 1x£12 were added to the account ( will send letter asking for charges to be deducted from balance ) and send letter to collection company to place account on hold for 30 days while awaiting reply from HBOS

 

Interest for 5 months were also added, total £158.23 after request for closing of account see above. CCA will be in post in morning, along with letter of seeking refund of charges as per above

 

Again adding thread so that i can place any reply from CCA request as and when received. Account has low figure left to pay and default passed six years.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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you cant CCA a bank account

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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Am I reading right that your last acknowledgement in writing was March 2010?

 

If so Statute Barred and you can ignore everything except a claim form, check your Credit File as well Noddle & Clearscore are free.

 

Who is the DCA?

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Hi DX100uk.... The preference account is a CREDIT CARD taken out when applied for a Loan from the same company. Hi stigma... I acknowledge the debt every month as repaying monthly at reduced figure arranged by myself some years ago, cheers anyway.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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so it is

strange name to give a card

 

 

good so CCA applies....

 

 

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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  • 2 weeks later...

Hi

Had written reply from Wescot.

 

 

Just stating that their are not the creditor and just collecting on behalf of HBOS

in these circumstance's we are returning your £1 postal order

and you should contact the client direct.

 

 

your account will be on hold for 21 days to allow you to contact them should you wish to do so.

In the mean time you will have to continue making payments to this account.

 

I have SAR ed HBOS in respect to other accounts,

so really don't need to send CCA to them as all will come from SAR when they send such..

 

 

. Wonder why Wescot didn't send request to them instead of sending £1 postal order back. ??

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Wescot know full well that they have to pass the CCA request on to HBOS.

 

Because Wescot are collecting on behalf of then they can do diddly squat regardless of a CCA so ignore them.

 

CCA HBOS, I know you have requested an SAR but this is the only document that you are after and if they cannot produce then stop all payments.

 

Once you get the SAR, get reclaiming but do it yourself for free, do not use any Company! Any questions, just ask.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I have SAR ed HBOS in respect to other accounts,

so really don't need to send CCA to them as all will come from SAR when they send such..

 

 

Lenders are not obliged to send your CCA as part of your SAR. So, if your SAR reply did not include your CCA you would not know whether the did not have a CCA or simply had not enclosed it. As said, a CCA request is the only way to know for sure.

Love your enemies - it drives them crazy.

Thanks to Bobby Thompson (1911-1988) for the user name:"Let them knock, the paint lasts longer than the skin".

nec temere nec timide

 

So far, all done free for friends:

Cabot - F&F reduced debt by £7700 (70%)

NatWest - PPI claim - £1,800

NatWest - PPI claim - £6,200

NatWest - PPI claim - £3,000

Co-op Bank - PPI claim - £5,200

Halifax - PPI claim - £2,800

NatWest - debt identified as statute barred - £1,900

NatWest - debt identified as statute barred - £2,700

NatWest - loan identified as unenforceable - £13,400

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Cheers will CCA hbos about this account shame wescot didn't just pass it along the chain as now have postal order for £1 in wescot's name

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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what does it say about leaving a PO blank on the CCA request link.....

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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Yeah I know, just looked at my photo copies, this po just slipped the net, the rest were sent blank slap for that one lol will send it back to them to knock off debt amount as next payment.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Please search for previous threads about Preference accounts - they are definitely not enforceable as Bank of Scotland tried to disguise this credit card as a bank account for reasons known only to themselves and so the paperwork is total junk. I am aware of at least 5 cases where enforcement has been dropped as soon as the paperwork was questionned, including one for a very large sum which had got as far as court action.

 

Try this one for starters - http://www.consumeractiongroup.co.uk/forum/showthread.php?112921-BOS-Preference-Account

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Many thanks reallymadwoman will take a look and see what's what, this debt is nearly paid off, and the default goes this month. but will read from the link you have kindly posted.

 

img001.pdf

img002.pdf

 

Gosh finally learnt to up load lol

 

I found this agreement in my box of paper work... thought I would up load.

 

Also have all agreement's from 2008/9

 

First thing I noticed paper work not signed, and monthly income widely bloated by the company, I have never earned such amounts per month. I have over 120 sheets pf paper work relating to this account.

 

Can someone take a look at paragraph 3.1 and inform me what this charge for credit means ?

 

img003.pdf

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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  • 1 month later...

just a up date, heard nothing from company since CCA was sent in. well passed the time scale payments now withheld until reply received

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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  • dx100uk changed the title to Preference Account CREDIT CARD HBOS
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