Confused help please

[fluffystuff]

Re: Confused help please

HSBC seem to do it all the time. Ooops, that's their error

Ok fair point, and possibly right however the norm for HSBC is that they basically merge accounts together at the point of sale - .

How do you know it's HSBC Nid??

[Oldandblue]

Re: Confused help please

Hiya Again
Sorry replied before I read other message Yes I have the account numbers they are both the same plus 2extra digits on the loan account my arrangement with the bank was for £26 pm that was from July 09 and never late or missed until this payment.
Good job I saw that last bit was just on my way to post office with a letter to them I asked them again for the NoA or proof the sent it and WHY they were pursuing a debt that was in dispute with the OC since 2010/2011 and to date has not been resolved

[Never-In-Doubt]

Re: Confused help please

How do you know it's HSBC Nid??

Lol. Oooops, I don't

I seen your quoted post to the HSBC thread but from experience HSBC are the main culprits that do this.

Can the OP clarify the bank?

[Never-In-Doubt]

Re: Confused help please

Hiya Again
Sorry replied before I read other message Yes I have the account numbers they are both the same plus 2extra digits on the loan account my arrangement with the bank was for £26 pm that was from July 09 and never late or missed until this payment.
Good job I saw that last bit was just on my way to post office with a letter to them I asked them again for the NoA or proof the sent it and WHY they were pursuing a debt that was in dispute with the OC since 2010/2011 and to date has not been resolved

No no - dont post anything yet. Try and answer my questions, we'll sort this for you in the next hour if you answer my questions.

We will sort the CRA entry, the cca's & Cabot.

You can relax now. It's fine.

[Oldandblue]

Re: Confused help please

Hiya Yes it is the CO OP

[Never-In-Doubt]

Re: Confused help please

Hiya Yes it is the CO OP

Oooh even better

1st time for everything but still, doesn't make it any better. They cannot do it. Simples

[fluffystuff]

Re: Confused help please

Lol. Oooops,

[Never-In-Doubt]

Re: Confused help please

Ok let's try and sort all this for you in one go. A SAR to HSBC is spot on. Good. Await that - that's all you need from HSBC at the moment.

It's the historical elements I'm interested in. Please answer the following;

1. When did you open the bank account (approx year);
2. Did it have an authorised overdraft? If so, how much?
3. What was your approx balance at the time you stopped using the bank account?;
4. When did the loan commence?;
5. When was the last full loan payment made?;
6. Have you been paying a dca monthly? If so who and dates from - to.

Thanks

Please answer each point from 1-6

[Oldandblue]

Re: Confused help please

Hiya. Here goes then
1) Opened account in approx 1993/94
2). Don't think I had an authorised overdraft but not sure
3). Now this is where it get a bit funny so current ACC MAY 2000 balance. NIL
12th MAY 00 unable to make loan payment of £253.01 C /A NOW O /D £253.01
June 00 add charges of interest £4.78 plus service charge £10 plus daily excess charges. £73.50. NOW £341.29. O/D
July 00 IN FUNDS ADJUSTMENT (THIS IS MY LOAN ). £9476.65.O/D Plus £7.15 interest SO NOW BAL IS £9825.09 O/D

4)Continued paying money in until 10th July 2009 when they closed the account and said to pay FREDRICKSON under the same arrangement terms.

5). The loan started on 4th Jan 1999

6) The last full payment was April 2000 But my disability money of £92 was still being paid in till 29th DEC 2000 when I stopped it because it was only going off the charges

7). From July 2009 till June 2013 paid via FREDRICKSON

8) Have sent another SAR off to THE CO OP


What do you think of this?
Spoke to the bank last week RE this mess and what were the doing about my complaint And then they said WELL it appears that errors have been made and if we worked hand in hand we could work things out as this was a case from redress and when it comes to conclusion if I am still not happy i can refer it to FOS AM I BEEN TAKEN FOR A RIDE AGAIN?
Hope you can understand my answers to your questions

[Never-In-Doubt]

Re: Confused help please

Ok thanks. Bear with me for now then.

I'll sort you something to send back. No more talking to the bank ok!!

Final question, what's the approximate balance owing now?

[Oldandblue]

Re: Confused help please

Hiya
CABOT' S say I owe them £6989.87 have asked FREDRICKSON for a full statement of all payments to date so I can work out my correct balance

[Never-In-Doubt]

Re: Confused help please

Ok thanks. Sit tight

[Oldandblue]

Re: Confused help please

YES WILL DO THANKS

[Never-In-Doubt]

Re: Confused help please

Last questions. Both are based on credit reference records.

When was the original default date and who applied it?
When was the new default applied, and who added it?

Thanks

[Oldandblue]

Re: Confused help please

The default don't know exactly but think it was around MARCH APRIL 2001 By THE CO OP
Second on entered 8th July 2009. By THE CO OP
The third one I can't understand it says CABOT FINANCIAL START 26/1/1995 SETTLED 8/7/09 UPDATED 10/3/13 ?????
This is call credit

Just checked equifax that one says
CABOT FINANCIAL. START 26/1/95. DEFAULTED 8/7/09. UPDATED 10/6/13

States for account number ending 5537. THIS IS NOT MY ACC NO