Preference Account CREDIT CARD HBOS

[shywazz]

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.

[dx100uk]

you cant CCA a bank account

[Stigman]

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

[shywazz]

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.

[dx100uk]

so it is

strange name to give a card

 

 

good so CCA applies....

 

 

dx

[shywazz]

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. ??

[Stigman]

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

[Let Them Knock]

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.

[shywazz]

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

[dx100uk]

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

[shywazz]

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.

[reallymadwoman]

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

[shywazz]

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

[shywazz]

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