Night Monkey's diary

[nightwatch]

I thought I'd just add a quick note mentioning that our mortgage arrears are now paid off, which seems like something of a milestone on this journey.

That's a good start to the New Year

[Night Monkey]

I thought I'd just add a quick note mentioning that our mortgage arrears are now paid off, which seems like something of a milestone on this journey.

[Joanna Connolly Solicitors]

I'm assuming that we're just grinding through the system.

Yes you are - one template letter at a time.

Di

[Night Monkey]

Is this the first letter you've received from DrydensFairfax?

It is indeed, all previous missives have come from Wescot so I'm assuming that we're just grinding through the system.

[Joanna Connolly Solicitors]

The letter from Dryden's doesn't look like a formal letter before action, & doesn't include an I&E request - I assume the best course of action is to continue radio silence?

Is this the first letter you've received from DrydensFairfax?

If it were to be a Letter of Claim is should say so clearly, with a Reply form with Boxes A-D to complete etc, so I agree with you it doesn't sound (or look) like a LOC.

They'll probably write to you again after 18th January.

Niddy has already told you that the credit agreement is unenforceable, so keep your head down, but post up when the next letter arrives.

Di

[Night Monkey]

22 August 2019, 18:29
Type of account - Santander credit card
Date commenced - Approx. 2013
Approx balance - £6905
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - Wescot Credit Services

17.8.19 - Requested CCA details

<snip>

26.11.19 Received CCA from Wescot, sent to Niddy for comment.
7.12.19 Statement received from Santander, current balance 6611.10
18.12.19 Niddy says unenforceable - hooray! Random agreement not specific to me, and no signature.
18.12.19 Further statement received from Santander 'as requested', covering January '14 to December '19, current balance 6611.10

<snip>

6.1.21 Letter received from drydensfairfax, 'Instructed by Santander to obtain repayment of amount ... please contact us by 18th January to discuss current circumstances'.

The letter from Dryden's doesn't look like a formal letter before action, & doesn't include an I&E request - I assume the best course of action is to continue radio silence?

[Night Monkey]

Nice. Just in time for Christmas...

[The Tech Clerk]

21/12/2020 == Well well another letter to-day from HSBC for £50 regarding bad service from recoveries team = £75 for now all told. more on way??

[Joanna Connolly Solicitors]

Cheers Di, I've sent that along - let me know if your mail servers block it for some reason.

Their correspondence doesn't describe the apparent misdemeanour(s) and doesn't say that by banking the cheque you're agreeing not to take action against them in future for whatever it was they did but haven't revealed - so I see no reason not to bank the cheque (keep a photo of it first).

HSBC is not alone in attempting to atone themselves for their sins. Barclays is also in the frame with a £26million fine from the FCA for doing whatever it was they did, on top of paying £273million in voluntary redress to its customers.

Read this about both of them > https://www.dailymail.co.uk/money/ca...borrowers.html

It would take more than fifty quid to appease me for any wrongdoing by a bank, but I suppose their public humiliation (in the Daily Mail) would make me feel a little better

Di

[Night Monkey]

...so email me that letter

Cheers Di, I've sent that along - let me know if your mail servers block it for some reason.

[The Tech Clerk]

THEY would never commit themselves.

[Joanna Connolly Solicitors]

Today received sn unexpected cheque for £50 to "compensate for quality of service received from Collections and/or Recoveries which did not meet that standard that we would expect".

I've noticed a few of these on the forum lately, have we decided that's it's safe to bank them?

This debt is still with HSBC isn't it?

You only stopped paying them recently so a long way off becoming Statute Barred (if you acknowledge the debt) but I'm interested to know what "quality of service" didn't meet their standard (which is not exactly high in my book ) so email me that letter to see if it has any potential further down the line in the event legal proceedings are ever issued.

You already have my email di@joannaconnollysolicitors.co.uk

Di

[The Tech Clerk]

no i am still paying gross over charges near double owed in a CCJ to real amount , corruption in chambers allowed

[Night Monkey]

50 pounds. Dam I got 25

I must have suffered twice as much as you without noticing.

[The Tech Clerk]

50 pounds. Dam I got 25