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Grub Granny

HFC MBNA GM card card debt - been paying Restons £20PCM for years

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nope ignore until/unless they do

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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Just a thought. 

If I did write to Restons saying this account is subject to a CCA request to HSBC wouldn't that stop them writing to me saying I'm behind with my payments. 

 

I don't want to antagonize them unnecessarily. 

I don't know how long it will take HSBC to inform them of this. 

I expect them to ramp up the letters saying I'm behind with payments especially if they don't know about the CCA. 

 

I still haven't had an acknowledgement from HSBC after them receiving my request over 7 weeks ago!

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No

ignore restons they are powerless in this instance


please don't hit Quote...just type we know what we said earlier..

 

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An update.

There is still no update.

 

I've not even had an acknowledgment from hsbc for my cca request dated 29th June.

 

Is this normal to have to wait this long? 

 

I've had 1 call from Restons asking me to ring them which I haven't but otherwise deathly quiet! 

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Not your problem.

Dx


please don't hit Quote...just type we know what we said earlier..

 

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Update:

no update apart from Reston’s asking me very politely would I mind contacting them.

They also asked me to pay them and not HSBC as £1 has been credited to my account which should have been send via them.

 

This is postal order I sent with my CCA request to HSBC back in June!  

Not even an acknowledgement from HSBC.

Should I do anything?  

Is there any time limit on them acknowledging CCA requests, 

I’m coming up 6 months on this

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12+2 working days..:lol:


please don't hit Quote...just type we know what we said earlier..

 

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Interesting.  What do you suggest I do next.  Do I write to HSBC asking them when they are going to reply or to Restons telling them this is subject to a CCA request or something else?

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as post 51

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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An update but a strange one.  I have received a letter from HSBC stating my account is being transferred to Wescot and they will be contacting me.  I received a letter from Wescot asking me to contact them to put in place a repayment plan which is acceptable to both of us, blah, blah, etc.  I have had loads of texts and voice messages asking me to contact them which I have ignored.  The CCA request last June seems to have disappeared!  They cashed my postal order and credited it against my account but I've heard nothing else.  I've not been paying them anything. What should I do next?

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Send them a fully tracked letter repeating your request for the CCA. Point out that you have already paid for it in June – and enclose a copy of the postal order receipt – which I hope you kept – didn't you?


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Thanks for your reply.  Yes I did keep the receipt.  I've today sent off the letter to HSBC and to Wescot informing them of the CCA request.  I know I didn't have to inform Wescot but it will stop the calls and texts, hopefully!  I'll update when I get an update

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