Jump to content


  • Tweets

  • Posts

    • I have now received word back from AXA declining my claim. Can anyone please advice on the next steps to take to complain about their decision please? 
    • Hi all,   I am being chased by a debt collection agency or monies owed to an motor insurance broker. I took out the policy 4 years ago and after 3 months the insurance company cancelled my policy without any explanation. At the time I was told no monies were owed, then I received letters I owed in excess of £130. I ignored the letters and 4 years later this debt collection agency has contacted me to collect the monies.   If I paid the balance outstanding via the debt collectors portal, can they chase me again for any additional money in the future? Also can the debt collection agency leave negative mark on my credit file? At the moment there is nothing on my credit file. 
    • I haven't seen any legislation pertaining this, however because I have been looking at the consumer issues that may be why. He has now had the final letter before action letter and read it several times, however in his first response on my second 14 day limit letter he raised the issue that his health isn't good at the moment, which I believe is another fallacy, cars are still being sold and added to his page on autotrader.    If you could point me to the legislation you are reffering to then that would be most helpful and welcome.   TS have seen the invoice, and passed this on to his local TS.
    • it is not the only way to proceed and IMHO the wrong claim to raise, should you wish to raise one in an english court   if you really do want to raise the claim under consumer rights issues, i suggest you have a chat with TS again first and ask them if this is a good idea?   the pre contract info doesn't exist nor is applicable because you nor he ever entered into any contract covered by any consumer rights. he illegally sold you, a member of joe public, a car using a strictly traders only method.   i would hope TS point out the above and p'haps suggest you raise a different claim possibly encompassing this mis-sale and that you had no knowledge what he had ultimately done is illegal, nor that you ever agreed to do it anyway, as you now realise as a member of joe public, not a trader, you couldn't. you might even find TS will help, support and be involved with you in court regarding this too.   as it stands with cards on the table, he is under no obligation to pay for collection of the vehicle, you don't want to risk returning the car and never getting your moneyback - it's a stalemate where he is smiling still until you raise the correct claim.   although you have issued , 2 is it now, court warnings, it might be better to finally issue one correctly stating what you are going to do, then he might realise the penny has finally dropped and the game is up. there would be no harm in stating that to avoid such actions, should you pay me back by bank transfer the sum of the car and my initial transportation cost of xxxx, making £xxx in total by xxxxx date, i will not raise the claim.   The situation would then be far more serious for him and he might capitulate, inc refunding transportation costs, in the want of not being exposed in court, as there are numerous well publicised court cases whereby by traders have been hammered hard for pulling doing this scam on joe public.   another advantage of doing the above claim is you might get to keep the car for free, get all your moneyback.            
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Cabot re: old 1st Direct - HSBC CC debt


Recommended Posts

Hi

 

I have recently received a copy of my CCA for an old HSBC CC debt.

This was apparently bought by Marlin in 2014 and I had previously (before it was sold to Marlin!) asked for a copy of CCA so it was in dispute.

 

All had gone quiet until February this year.

This is all complicated by the fact that in 2008 I was advised by Payplan to offer token payments to everyone. 

I paid these by standing order and had actually forgotten about them.

These continued until 2018  - I know!

So it's not SB and wont be for a while :(Hindsight is a wonderful thing. 

 

Cabot (claiming to be acting for Marlin - same company!) have appeared again with several letters so far and have recently involved their legal arm (Mortimer Clarke solicitors).

 

After sending them a CCA last Friday,  as they were once again threatening legal action,

today I was sent a copy of a CCA,

the print was dated February 20 interestingly. 

The time they decided to contact me again.

 

I am prepared to go to court over this if necessary.

I can only pay what I can afford.

 

As I owe a lot to other companies, some of who may have given up

- I've only had a pre court letter earlier this year from MBNA who I asked for a copy of the CCA and heard nothing since,

I really don't know where I stand with repaying any debts.

 

I don't know what I owe or to who anymore.

I have limited funds at the end of each month despite working full time.

I had a small payout for PPI which I was considering putting towards the debts but was advised not to!

Now as a lot of them have gone quiet again (for now) I don't want to get in touch with them.

 

With the CCA which all looks as it should.

They  (Mortimer Clarke) have enclosed an income and expenditure form which they have asked me to complete in 14 days.

The total amount is £3 k.

What should I do now?

 

I wonder why this has only just appeared after all this time.

I can't give them £3k as I don't have it.

If I did have it, then that wouldn't be fair to the other people I owe money to.

 

I am tempted to just ignore it and wait for them to take me to court :(

 

I've just looked again at the CCA and it looks like whoever has photocopied it has stuck a 'post-it' note over the credit limit and repayment details, so obscuring a lot of the wording on the form.

 

Link to post
Share on other sites

https://www.consumeractiongroup.co.uk/topic/141937-stressed-by-huge-debt/page/2/#comments

 

i will guess this is actually your old !st direct Credit Card??

 

what did you last pay anyone anything on the debt prior to this?

 

scan up the CCA return to ONE multipage PDF please

read upload carefully please..

and no- you should not be paying anyone anything on any debt by now.

as long as they have your correct & current address to protect against backdoor CCJ's

 

dx

 

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... 

 

 

Link to post
Share on other sites

Thanks dx yes it is the FD cc.

 

The last payment I made was in June 2018.

 

I have scanned the 'agreement' which looks an awful lot like an application form - this is exactly how I was sent it but with all personal details erased.

 

It also had a statement of payments (of £1 per month since January 2009, which I've not scanned as it's just pages of £1 payments.

 

I only ever paid the £1 to first direct and never changed the payment details, despite regular requests to change it - they clearly got them all anyway.

 

They all have my correct address now.

 

 

FD_agreement.pdf

Link to post
Share on other sites

is that your sig in the two boxes and your correct address for time of takeout?

 

that would have been a sign and return form as it was a postal application for the card

and that was what was sent back for you to sign and return again, keeping a copy yourself.

 

dx

 

 

 

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... 

 

 

Link to post
Share on other sites

Yes my signature and the correct address at the time, part of it anyway - the rest was hidden under the sticky note I'm guessing.

 

Ok so it is a copy of the CCA?

Link to post
Share on other sites
  • dx100uk changed the title to Cabot re: old 1st Direct - HSBC CC debt

do you remember returning that to 1st direct.?

but you are correct it is an application form.

 

i'd say thats boardline with having everything it should like prescribed terms.

esp the T&C's , where the rest of the T&C pages ??

and ofcourse they have to have your name and address on pages 1 and be the ones sent to you.

 

methinks cabot have been raiding their filing cabinet for those..

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... 

 

 

Link to post
Share on other sites

I can’t remember - it was 2006, I have trouble remembering what I did last week 😄

 

that was all they sent, the T&Cs page they sent didn’t look like it was part of the original document. I also had a current account with them and loans that were repaid before I got in to financial difficulties. 
 

the current account was joint with my husband - we had an overdraft which wasn’t t repaid. Cabot have this too and frequently get confused and mix up the two amounts in letters. The amount varies drastically- they seem to have forgotten it was a joint account as well.

 

I sent a ‘I do not acknowledge this account’ letter to them (Cabot) initially, not a CCA, regarding the CC a few weeks ago following a letter from them threatening legal action and they sent me a letter regarding the current account! Totally different amount and account number! Lots of reference to dates I didn’t recognise and no paperwork to back it up?!

 

i don’t trust them.

 

Do I just ignore this and wait to see what their next move will be? 


Sorry for taking up your time, thank you for looking at it all.

Link to post
Share on other sites

Surprised hsbc didnt merge them all into a managed loan and dump that as a massive OD balance.

 

Safe to ignore anything bar a letter of claim...

 

I'd also not bother with silly letters bar CCA request s

 

Things have moved on in the years we've been here

 

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... 

 

 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...