advice needed,on so many debt collectors after me

[donbracho]

lol ani thought i was bad !

 

only kidding right you need to get your credit report and see what stage these debts are at default stage etc.

You can get your report for 2 pound dont bother with the online ones for a tenner or more theyre not that good.

 

As for your debts personallly (am no expert and otheres know far more than me !)

i wouldnt worry about the HSBC one as they aint been in touch nor has the DCA (metropolitan collection services) what will have happened is they will have passed the debt back to HSBC who will sooner or later pass the debt onto another DCA when they do CCA them.

 

As for your credit card debts are the majority of this debt from charges or penalties ?

If so or if you arent sure you can send a SAR request to the original creditor - Barclays/Capital One/Citifinancial

 

Then when you have your statements from them proceed as the guide says prelim/lba/court etc.

 

Whilst this is going on send a account is in dispute letter to each of the DCAs who have bought the debts from each of them.this will basically say look i am investigating each of these accounts as am aware of the unfair charges they have charged me so hang on...

 

Basically this advice is to be repeated for all of the debts,

i wouldnt worry about letters from dcas until a court letter comes !

I would CCA request them all and take it from there.

If they cannot provide a true copy of agreement dont have a leg to stand on.

[donbracho]

yeah and i would add not to worry too much i know its really scary when you get these letters from DCAS but if you just search under each DCA in the debt forum there will be dozens of people onthis fantastic site who have took on and been in similar situations

[donbracho]

yeah i had threats from lowells, scott robinson and way, all of them after big money they reckoned i owed from credit cards and i ccaed them then the tune changed dramatically and have got my credit card cleared honestly you just need to get started ike the others have said prioritise them, send everything recorded keep copies of everything you send and you will be fine

if you need any advice of addresses wording of letters etc jus tpost up and sopmeone will point you in the right direction.

[donbracho]

well u can end the agreement with the 3rd party with a simple letter,

you will probably have to pay hsbc the money back even if u get your charges back but thats one less debt to worry about aint it.

that dca -fv1 or nco whoever are just vexed as like fellow members say r just telephone chasers !

first step HSBC SARhttp://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

[donbracho]

yeah and sar capital one whilst your at it

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX