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  • #1

    Account in Dispute letter to DCA

    Hello!
    Just a quick question, if I've sent off a letter of dispute to a DCA and they have replied that they have placed the account on hold but would like to know why the account is in dispute... do I tell them?
    I have written to the original creditor but not heard anything back from them but they do have another couple of weeks to reply to me. Does the DCA have to know of the issues that I have?

    Thank you!
    Tags: 2012, account, america, bank, breach, bullying, car, cca, cca request, charges, con, costs, credit, creditor, criminals, dca, debt, debts, default, equitable, fee, fos, help, hsbc, issues, letter, life, mackenzie hall, media, on hold, power, statute barred, telephone, thank you, update, £50
  • #2
    Re: Account in Dispute letter to DCA

    Originally posted by zen View Post
    Hello!
    Just a quick question, if I've sent off a letter of dispute to a DCA and they have replied that they have placed the account on hold but would like to know why the account is in dispute... do I tell them?
    I have written to the original creditor but not heard anything back from them but they do have another couple of weeks to reply to me. Does the DCA have to know of the issues that I have?

    Thank you!
    It depends! Why is the account in dispute? Are the in breach of a CCA request or something else?

    SnV
    "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

    The consumer is that sleeping giant.!!


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Re: Account in Dispute letter to DCA

      Hey,

      It's bank charges on a student account that I had that HSBC are looking into for me.. The actual amount I'm in debt by is £3000 but HSBC are looking into maybe taking the charges off. I've also challenged the default entry but obviously not pinning my hopes on getting this removed.

      The account was last paid into in 2010, so it's not statute barred.
      I'd not heard from them for ages but registered for my credit file, I didn't realise that because of this the DCA would start writing to me at my new address, which they did in November 2012.
      I wrote to HSBC asking them to look in to the charges end of January and wrote to Mackenzie Hall at the same time. And just had a response from them last week telling my the account is on hold and if I can tell them what the dispute is about...

      I'm not sure if I should as my issue is with HSBC not them?! Not after the horrible threatening letters they've been sending me...

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      • #4
        Re: Account in Dispute letter to DCA

        Hello! Does anyone know the answer to this? Anyone? Bueller?

        Comment

        • #5
          Re: Account in Dispute letter to DCA

          What the heck is 'Bueller'?

          Anyway, Muck Hall are at the absolute bottom of the DCA food chain, and are not worth wasting breath or ink on. They buy alleged debts which the others won't touch, including statute barred debts, and look to wear people down with extremely aggressive telephone bullying.

          Leave it to the bank to decide what to do about the charges, as they are the only ones with the power to do anything. An equitable assignee such as MH couldn't help even if it wanted to.

          The bank does have some incentive to try to be reasonable, in that a formal complaint escalated to the Fobbing Off Service at least costs them a £500 mediation fee. This is the case despite the obvious fact that the FOS is entirely corrupt, and is a classic example of the criminals policing themselves.

          SH
          Last edited by ScabHunter; 27 March 2013, 14:10. Reason: bloody typos

          Comment

          • #6
            Re: Account in Dispute letter to DCA

            I guess you've never seen Ferris Bueller's Day Off then? Sorry, crappy joke for anyone that's not seen it..

            Anyway, thank you! I'll just wait to hear back from HSBC. Hopefully they will reduce the amount owed. I have wrote to them that I will take it to the FOS, so maybe that'll help...

            Muck Hall have said it is on hold, and if they do continue to write demanding payment, I have seen a letter somewhere that I can send them so will do that.

            Thanks ScabHunter!

            Comment

            • #7
              Re: Account in Dispute letter to DCA

              Originally posted by zen View Post
              I guess you've never seen Ferris Bueller's Day Off then?
              I've just stuck that into the search engine and found out what it is – a 1986 American film. I was actually young in those days!

              If you'd used a character from one of Mozart, Rossini or Verdi's operas, I'd almost certainly have been familiar with them, but I have to admit Hollywood is not my area of expertise. Apologies.

              SH

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              • #8
                Re: Account in Dispute letter to DCA

                1986?! Wow, I would have been 8 or 9? That is a long time ago. I can't remember the important things in life but a stupid quote from a film I watched when I was 12 stays in my brain!

                I'm sorry I'm not familiar with the operas, being an uncultured buffoon

                Thanks for your help SH

                Comment

                • #9
                  Re: Account in Dispute letter to DCA

                  That is a classic film, shame on you for not knowing it!!
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #10
                    Re: Account in Dispute letter to DCA

                    Originally posted by zen View Post
                    1986?! Wow, I would have been 8 or 9? That is a long time ago. I can't remember the important things in life but a stupid quote from a film I watched when I was 12 stays in my brain!

                    I'm sorry I'm not familiar with the operas, being an uncultured buffoon

                    Thanks for your help SH


                    1986 I would of been = leave it at that!
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #11
                      Re: Account in Dispute letter to DCA

                      Any update on this zen?

                      Ferris Bueller was a classic and I know exactly the line you quoted! Anyone, Anyone......

                      The best line mind you is a toss up between "If you had access to a car like this, would you take it back right away?" (Ferris to the camera) or "where's your brain"; "Why did you kick me"; "where's your brain"; "why did you kick me"; "where's your brain"; "I asked you first"!!

                      Anyways...!
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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