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HSBC Credit card/IDEM CCA return


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Agree with DX, the use of withheld numbers is very very much against the rules, FCA brought that little nunber in, complaint goes direct to them.

 

Text messages you MUST forward them to 7726 (SPAM- on your phone keypad) this is registered by your network provider, who in turn reports them to the ICO.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

Good morning everyone.

 

HSBC SAR response.

 

Just a quick update. HSBC have sent me a letter informing me they have completed they search and the information found has been sent to the branch of my choice. They also require a form of I.D with both my signature and photograph. I will also be asked to sign a receipt on collection of my information which the branch will then return to the data office in Sheffield.

 

I just wanted to know if I should be signing anything?

 

Thanks

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Hello there.

I have received my documents from HSBC. Just need to go through them now, is there anything I need to look out for specifically?

 

In the mean time idem have sent a letter

 

“We are keen to speak to you regarding your account”

Failure to make contact with us may result in the following:

1. A representative may be instructed to visit your property

2. Your account may be placed with an external DCA

3. Our litigation dept may instigate court proceedings

 

Do I ignore ? Or should I be getting worried ?

 

Any advice appreciated

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“We are keen to speak to you regarding your account” I bet you are!

Failure to make contact with us may result in the following:

1. A representative may be instructed to visit your property No they won't.

2. Your account may be placed with an external DCA Woopdedoo...

3. Our litigation dept may instigate court proceedings No they won't.

 

Do I ignore ? Or should I be getting worried ? Worried about what?

Any advice appreciated

 

Remember that the silly missive is spat out by a computer with no human input, less for the posty pushing it through your door.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Good morning.

 

A quick update.

A company called RESOLVECALL (idem doorstep reps) have sent me a letter.

 

“We have been instructed by idem to contact you. Idem have not been able to contact you and are concerned that you maybe having difficulties in meeting your repayments. It is in your best interests that you contact idem as a matter of urgency.

If you do not contact idem this may lead to a visit being made by one of our reps within 28 days of the date of this letter. The purpose of the visit is for one of our reps to assist you in making contact with our client to discuss your account”

 

Will they do this ? If they do what can I do ?

 

Any advice is appreciated

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doesn't matter if they do

 

no DCA has ANY legal powers whatsoever

they are NOT BAILIFFS

so if you do get a dirty mac doorstepper

simply tell him to leave your property else you'll call police 101.

nothing more needs to be said.

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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Will they do this ? If they do what can I do ?

 

Put wood back in hole, ie, shut the door on the sad individual.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

Hello there.

 

Idem have sent me a PAP form to fill in, it gives me 30 days to reply.

Am I right in ticking

 

BOX D

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

 

BOX I

I have requested by way of a CCA Requesticon the signed agreement from the debt purchaser

 

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

Print my name and get proof of postage

 

Is there anything missing or doI need to add anything ?

 

Thanks

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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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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All is in post 4 of that thread

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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No remove that bit

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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Hello there

 

I have filled out the PAP form and ready to post

 

 

BOX D

I dispute this debt because..the debt purchaser has yet to provide any or all of the required documentation.

 

BOX I

I have requested by way of a CCA Requesticon the signed agreement from the debt purchaser

 

I also require you to supply the following..

A copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you IDEM SERVICING, the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

Print my name and get proof of postage

 

Is there anything missing or do I need to add anything ?

 

Also do I send it to the P.O. BOX address they have provided or the actual office address ?

 

Thank you

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Fine ..send it to the same address provided on the correspondence.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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