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HSBC OD debt - been paying newmans since 2007 - i've over paid!!***Refunded in Full***

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Hi,

 

I am after some help please.

 

I had a debt that I have been paying off to `Newman Debt recovery` from back in 2007.

 

I have been paying off £10 a month as agreed with them.

 

Well the payment I paid in Dec 2016 was paid,

but then paid back into my account,

and the same happened to my Jan 2017 payment.

 

I dug out the paperwork, and according to the last letter I have back from 12th Sept 2007, the remaining balance was £882.18.

 

So by my calculations, the last accepted payment that was not returned I have paid till Nov 2016 makes the total paid of £1100 ( £10 per month).

This means I have paid £217.82 more then I needed to.

 

I have tried to E-mail them but their e-mail just bounces back.

Tried to Phone them, but not getting much joy either.

 

What are my chances of get this money back and what options have I got to try and recover this over payment?

 

Thank you in advance :)

 

Jon.

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Send them a LBA (letter before action) allowing 10 days to respond and refund or you will issue a small claim through Northampton CCBC....that should get a response.

 

Regards

 

Andy


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Thank you, Is there a template letter, or do you just make one up?

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newman are arrow global

 

who do newmans say is their client on their letters?

 

I question your wisdom of blindly paying a DCA since 2007 on a debt...

have you ever sent them a CCa request to prove they legally hold enforceable paperwork to evern demand money off you?

or any DCA on any other debt you have too?

 

don't forget the golden rule

a DCA is NOT A BAILIFF.

 

how have you been paying

hopefully by direct debit?


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The original debt was for HSBC over draft.

 

 

HSBC passed this over to Newmans back in 2007.

 

 

We come to the arrangement of paying £10 a month, and have been paying this ever since.

 

The payment is done by Standing Order via my bank account, so have all the records of payment.

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urm..I wonder if HSBC are still the owners of this account then

as newmans don't buy debts

they just collect for their 'client'

 

 

an overdraft will be better than 50% penalty charges and I see this is HSBC

hope you didn't have a credit card or a loan that they merged into the OD before they dumped you.

 

 

ye old HSBC managed loan debacle.

 

 

then they flog it on to debt buyer.

 

 

so you say you have old letters

who do newmans state is their client on them.


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The old letters say its HSBC as the client, and the ref numbers are to my bank Account. Newmans also have a ref number of their own, with matches my standing order payment.

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then I would suggest the money is sitting in that bank account

 

 

have had any comms with hsbc since then and have you since moved and they don't know where you are?


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I have moved since 2007, so may have missed something in the post? I have not had any dealings with HSBC since, as I moved my account over to another bank at the time.

 

I have pinged an E-mail to Arrow Global to see if they can help on this. Will go through all my paperwork again tonight when I get home from work.

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I would suggest you ring HSBC see if the account us still active

As that might well be where you money is

 

If it isn't..then where has all the money you have been blindly paying a no powers dca gone??

 

Directly in their pocket me thinks...we call it cash cowing

 

If HSBC say they sold it find out when and to whom


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Cheers, We give them a bell and see if I can track it down.

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Just to update, I phoned Newman, but they didn't have anyone who could talk to me. So I phoned up Arrow global and they had my file and checked it out, they are now refunding back to me £197 that I have over paid.

 

Thank you for your help on this :)

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funny thought we said phone HSBC??

 

 

ideally you should never phone a DCA

they are not bailiffs!!

 

 

so the debt was sold on years ago

shame cause you've just funded the harassment of 1000's of other just like you by paying the debt off.

prob not owed in the first place...

 

 

which is why HSBC sold it on.

 

 

not blindly paying any other debts still are you??


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Just to update, I phoned Newman, but they didn't have anyone who could talk to me. So I phoned up Arrow global and they had my file and checked it out, they are now refunding back to me £197 that I have over paid.

 

Thank you for your help on this :)

 

Delighted you have manage to resolve this...if you could update your thread when funds clear twinkle so we can mark your thread resolved.

 

Andy


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Delighted you have manage to resolve this...if you could update your thread when funds clear twinkle so we can mark your thread resolved.

 

Andy

 

 

Thanks Andy, Will do :-)

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funny thought we said phone HSBC??

 

 

ideally you should never phone a DCA

they are not bailiffs!!

 

 

so the debt was sold on years ago

shame cause you've just funded the harassment of 1000's of other just like you by paying the debt off.

prob not owed in the first place...

 

 

which is why HSBC sold it on.

 

 

not blindly paying any other debts still are you??

 

I checked all the paper work last night before doing anything, and I had the letter from HSBC saying they have now passed the debt onto Newmans, and HSBC have no more dealings with it. So phoning HSBC would of been a waist.

 

I don't understand how paying off a debt is going to cause harassment for others? I built up the debt myself, so its not right I just wash my hands of a debt I created. I had to pay it off somehow. This was all done back then through CCCS who helped me sort the mess I got myself in and helped to agree a payment plan with them.

 

I do have others I am still paying as well, which again was all set up with CCCS back in the day. So paying the agreed monthly payment until its paid off.

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Right finial update. The payment has now been cleared into my bank account.

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Right finial update. The payment has now been cleared into my bank account.

 

Excellent and well done Twinkle.

Thread title amended to reflect the outcome.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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