Night Monkey's diary

[nightwatch]

They could be using a printing service to save money.
put all name's and info into a computer, press button A, printed on mass, button B, sealed and ready to go, button C, large box filled and ready for the post.

[Night Monkey]

Something which looked like a payslip turned up, opened by removing the perforated edges around the 'envelope'. It turned out to be a 'reminder' from Wescot inviting us to call their helpline so that one of their specialist agents can assist.

Ignored and filed.

Is this a new tactic to make sure that we open letters from them?

[Joanna Connolly Solicitors]

And the StepChange GDPR finally drops through the door . . .

The penultimate page lists creditors and account numbers, showing BarclayCard, HSBS Gold Visa, HSBC Bank Ltd., MBNA Ltd. and Santander Credit Card moving to HSBC Repayment Services (twice), PRA Group (UK) Ltd. (twice) and Wescot Credit Services

I'm unsure if any of this helps, or what to look for specifically, but in the meantime it's filed away.

It may not seem obviously helpful at this moment in time, but it may be in the long run especially if there are any potential assignment issues and dates etc.

Di

[Night Monkey]

And the StepChange GDPR finally drops through the door - my guess is that someone's finally gone back to the office, found the envelope sitting in the 'out' tray, and duly posted it.

It contains a 'please find enclosed letter' dated 23rd March 2020 listing the enclosed documentation:

Copies of budgets;
List of creditors;
Debt Management Plan agreement signatures;
Business Debt Line documentation;
Payment history;
System file notes (advisor names redacted);

All of the above included, along with a summary of all our interactions and proof of income for both of us and the agreed budget.

The penultimate page lists creditors and account numbers, showing BarclayCard, HSBS Gold Visa, HSBC Bank Ltd., MBNA Ltd. and Santander Credit Card moving to HSBC Repayment Services (twice), PRA Group (UK) Ltd. (twice) and Wescot Credit Services, although not in that order.

I'm unsure if any of this helps, or what to look for specifically, but in the meantime it's filed away.

[Night Monkey]

Unless I've misunderstood, HSBC have still not complied with your CCA Requests for both of these accounts sent in September 2019

You are correct, and I've printed out the Royal Mail confirmations of them receiving the requests.

[Joanna Connolly Solicitors]

Letters from HSBC noting lack of payments for CC & overdraft, and receiving no response from StepChange request that we contact them. Also 'threaten' to resume collections activity which 'may include calls and letters' apparently.

Unless I've misunderstood, HSBC have still not complied with your CCA Requests for both of these accounts sent in September 2019

Don't send a SAR to them yet - maybe these accounts will be assigned to a debt purchaser next.

Di

[Night Monkey]

Letters from HSBC noting lack of payments for CC & overdraft, and receiving no response from StepChange request that we contact them. Also 'threaten' to resume collections activity which 'may include calls and letters' apparently. Updated relevant posts on page 1 and filed letters.

[Joanna Connolly Solicitors]

a letter from Wescot regarding the Santander card - StepChange no longer acting on your behalf

As if you didn't already know that since it was you who cancelled the DMP

Di

[Night Monkey]

I ignored an 0800 number which Google reveals to be PRA, so chasing one (or both) of the credit card payments. I won't block it for now so that I can log how regularly they call.

Followed 20 minutes later by a letter from Wescot regarding the Santander card - StepChange no longer acting on your behalf, contact us urgently, etc. Ignored & filed.

[Joanna Connolly]

More likely it is somewhere in the postal system

[Night Monkey]

The plot thickens. Apparently the information was posted to me by first class mail on 23rd March, so I suspect it's sitting in an 'out' tray in their mailroom. I'm most looking forward to seeing the 'System file notes' but I suspect it will be some time before I receive anything.

Oh well, back to the gardening.

[Night Monkey]

Fair comment. My gentle reminder was in fact a request for an eta, but given the situation perhaps that's even an optimistic request.

What strange times we live in, but I do have a very tidy house atm.

[nightwatch]

NM, I think you will find that If the person dealing with your SAR is working from home, they won't have access to your full personal details, DPA come's into play, so will be unable to deal with your request. nore would they be able to print it all out, or post it to you.
I would be rather unhappy to find that any tom, Dick or Henretta, could have acess to my details at home where they can sit with their partner, or even just a housemate, have a coffee and chat about what is on my file.
I am sure they will get back to you when they can.

Now, enjoy the sunshine and stop worrying.

[Night Monkey]

Learn to SIT ON YOUR HANDS!!

I'm aware, thanks. I've requested an SAR from StepChange which wasn't clear due to typo in my original post. I'm hoping it will shed light on any conversations they've had.

[Roger]

Things may understandably be delayed in these difficult times but StepChange promised me completion of my 'on or before the 8th April'.

I've sent them a polite and gentle reminder.

Learn to SIT ON YOUR HANDS!!
StepChange and their Partners!! https://www.stepchange.org/about-us/...work-with.aspx