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eoghan

Cabot chasing old HSBC CC subject to IRL complaint

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Hi all,

 

I followed the instructions from another thread I have going and sent the CCA request back to Cabot and they have responded. At the same time I sent a IRL to HSBC and I have the responses back from both parties that I'll post up here.

 

Complaint Letter to HSBC - their response

CCA Response from Cabot + the CCA

 

Hope there's still something to be done.

 

Thanks.

Steve.

 

 

 

Cabot-HSBC-Letters.pdf

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I'm hoping I don't have to pay them anything...

  • Haha 1

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I was with RBS. I was a student back in late 1980s. I ran up a £3.5K o/d. Could not afford to pay it back (I have Serial Startup Personality Disorder). I said that they had 'fined' me more than my overdraft in over twenty years, and that I was not prepared to engage with them anymore. They eventually gave up. Premise is: you cannot get blood out of a stone. 

Do not be scared by these people. They are just trying to run their business model, and as long as you have not made any untrue statements, you are morally and legally in the clear. This is just my opinion, and may not be legally binding. 

 

Tom.. Xx

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13 minutes ago, MrTRC said:

 (I have Serial Startup Personality Disorder). 

 

What is that?

Does it have a DSM-5 (or ICD-11) coding?

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@BazzaS No.. :) Just that I like to make new ideas work, but have yet to get good at making money out of them! The ideas have worked, and I am now on my sixth startup. I didn't consider contract law in the past though. I have learned my lesson!

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Anyone able to update me on proper procedure here?

I have now received another letter from cabot asking me to setup a payment plan.

As you can see from the 1st post, all the current correspondence has been done.

 

Cabot sent back a reconstructed CCA and HSBC have ignored my complaint by stating they sold it to Cabot and don't believe that they mis-sold me a credit card.

 

So where do I go from here?

 

Thanks.

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did you not refer the complaint to the FOS?

 

 


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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No I didn't. What's the time limit on that?

 

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Nevermind, just saw that it's six months. I've created an online complaint using their service and uploaded the IRC and HSBC response as evidence. This is correct?

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should be ok

 

might be an idea to write to cabot and tell them the card debt is under a serious complaint with HSBC that is being investigated by the FOS??

and itr should not have been sold on whilst under dispute.


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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Ok thanks.

 

Although to be fair, HSBC had already sold the debt to Cabot by the time I raised the IRC with HSBC... even though, I will still tel cabot there is an ongoing complaint with the FOS.

 

Cheers.

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