Night Monkey's diary

[Night Monkey]

Today we received three identical letters from HSBC, two for the joint overdraft and one for the credit card, informing us that the accounts have been moved to Wescot Credit Services Ltd. who will contact us. They apparently have a range of payment plans and will work with us, etc.

I believe Wescot are a DCA so sadly the accounts haven't been sold on but hopefully this is a step on that road.

[Joanna Connolly Solicitors]

letter arrives this morning from drydensfairfax regarding the Santander card. Nothing exciting, the expected 'if you don't pay us then we may do something else'.

That won't alter the fact that the Santander credit agreement is unenforceable

Di

[Night Monkey]

so have they contacted you again?

And true to form a letter arrives this morning from drydensfairfax regarding the Santander card. Nothing exciting, the expected 'if you don't pay us then we may do something else'.

[Night Monkey]

so have they contacted you again?

No, all quiet at the moment.

(Good news about the mortgage arrears being paid off!)

It is indeed. One more step on the road...

[Joanna Connolly Solicitors]

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 . . . . 26.11.19 Received CCA from Wescot, sent to Niddy for comment. . . . 18.12.19 Niddy says unenforceable - hooray! Random agreement not specific to me, and no signature.

. . .

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'.

You didn't contact Drydensfairfax by the 18th January (because this debt is unenforceable) so have they contacted you again?

(Good news about the mortgage arrears being paid off!)

Di

[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.