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    • go back and read what andyorch said in my above links about a DEED of assignment NOT being a Notice Of Assignment. its a general document for a portfolio of MANY debts they bought on a spreadsheet, NOT specifically relating to YOUR Agreement. but your was like all others, a single line in a spreadsheet.    the sheriff has specifically asked for the NOA and the Default Notice ...neither of which the fleecers have provided, merly a load of ole twaddle like trump does to divert attention away from those NOT being provided.   forget the stuff about LOP 1925 etc that a NOE is NOT applicable in scotland , the sheriff has asked for it..end of!!   bedtime reading particularly regarding default notice sec 87 https://www.consumeractiongroup.co.uk/forum/showthread.php?484300-Cabot-nolans-SPC-Claim-Old-Next-CAT-Debt(2-Viewing)-nbsp&p=5119630#post5119630   read from about post 70.   as for the written submission. i'll find an example later.   dx      
    • Plevin is not a calculation. its a refund of commission they got as they had a backhander of greater than 50% of the PPI sum paid for selling it on behalf of the insurance company that underwrote the PPI policy.   you are after reclaiming the PPI itself. and that is what all our PPI stuff is geared too.   have you still a copy of what you originally sent though as you don't even KNOW what plevin was , how could you have ever have asked for it.!!   pers i'd write back. (you seriously need to stop talking on the phone!!) stating quite clearly that you REJECT totally their refund under the Plevin Rules. my Claim was to reclaim the PPI a paid, not for a refund of your hidden commission!!   i give your 14 days to refund inline with the enclosed spreadsheet , else i will raise a complaint without further notice to the FOS.   please reply in Writing Only.            
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    • not interested in silly letter   the CCa return please   dx  
    • This is interesting as I was not aware that there was a difference in the PPI claims/calculations.    Long story: I asked for this PPI reclaim over 5 years ago.  The Woolwich loan was taken out when I had a Woolwich current account.  The banking sort code for Woolwich was deleted off the banking system when Barclays inherited it hence they could not find my current account let alone the loan.    They had told me that I had provide proof of the loan as they could not locate it.  I did the FCA deadline search and it still was not located.    As this was the last resort, I had to go into the loft and found it by chance.  They changed the new reference number from the search and attached it to the old past reference number as the complaint was still on their system.    Even speaking to them about their calculations and the one I got from the on-line calculators, no one can explain the difference, they just keep saying that they cannot speak to the PPI calculations team, they have to email them!    Also I thought the Plevin paragraph was standard information.  So this is where the mystery lies,   I can reject the Plevin calculation and ask for calculations based on my actual PPI sums paid,   would this then be in line with your calculator?
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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HSBC and MSC


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Back in 2010 after a serious accident I became disabled and was no longer able to work due to various spinal issues.

I fell in debt and one of the debtors was HSBC.

They referred the debt to MSC and I have been paying token payments ever since.

 

However I have never since received anything in terms of amount remaining, what I have paid or any correspondence at all.

I have tried calling the numbers that are on the initial agreement but the number is now invalid.

 

I can’t find no details of who to contact and have also written to an address in Birmingham and no response from that either.

I’m scared to stop making payments just in case of any further issues.

 

Does anyone know of any idea who I may contact or where I can find their contact details. 
 

Thank you 

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MSC were hsbc's fake in house DCA.

they were disbanded many many years ago.

but your payment will still be going to HSBC off the balance.

 

what is the debt type please?

 

tell us the history of your banking with HSBC too, as they were well know for making people consolidate all your debts to them by making you take out 'managed loan' then dumping that balance back into your bank Account as an inflated OD balance and charging £100's in unlawful penalty fees.

 

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... 

 

 

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Hi DX
 

thank you for your reply. 
the original debt was an overdraft and I can’t remember the exact name of the loan.

The loan was like a CC. I had a limit of £7500 and was able to transfer moment into my account as and when needed then just paid the full amount when a statement was sent. I’m not sure but it may have been a bridging loan.

 

The bank account was opened in 1998 and the loan was taken out in 2002/3.

My accident was in 2009 and was unable to make any payments and token payments were set up in October 2010. Since then I have never received any statements or letter but I have been making token payments. 


they were not the only debtors in total there were 8 debtors.

4 were sent to Cabot, 2 to capquest which were all written off and now just have these 2 with MCS. 

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can't hurt you to simply stop these silly payments that are running the SB date to infinity.

 

have you moved since taking this out or during your token payments period and not informed HSBC of your new address?

 

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... 

 

 

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Hi DX

 

no I haven’t moved still at the same address since the initial accident.

The last correspondence was in 2010 confirming the set up of the token payments.

Since then I’ve just made a payment of £1 to each account.

 

If I stop the payments I’m just worried HSBC will be back in my case again.

I’ve been debt free since the others were written off and no CC’s or loans ever since and want to keep it that way.

 

To be honest mentally I don’t want to be going through all the headache again.

It’s unlikely I’ll ever work again.

 

Thankfully the others were written Off due to health reasons.

Thank you again
 

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would have been defaulted years ago so can never comeback to your credit file and hurt you.

 

i would stop all payments and send HSDC an SAr

get everything they hold on you

 

i suspect that you've been the victim of the managed loan syndrome which 100'000 of people were under HSBC's many guises like 1st direct etc etc.

 

they can't hurt you now.

 

use our enhanced google search box and type in managed loan

and get reading up.

 

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... 

 

 

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