Gregco UE diary

[MrsD]

Re: Gregco UE diary

I'd be tempted to send the stupid buggers a one liner pointing out your sold in dispute as they obviously haven't/can't/won't read it.

This is a classic, a big boy done it, it's no ma fault, it wisnae me pile of pooh.

[gregco]

Re: Gregco UE diary

I've received my official Final Response letter from Buchanan, whom took it upon themselves to respond to a complaint from me, which I only sent the sold in dispute letter to them, below is their reply to that letter, and subsequent specified action requirement by myself from them. Ergo, I believe turning the onus on myself to acquire the CCA directly from HSBC, confirming the dispute, and then telling them of this fact???


I write with regard to your letter of January 15, 2013, issued in relation to the aforementioned account.
I can confirm we have undertaken substantive investigations into your claims and have concluded that your complaint has been refuted. The reasons for this are detailed below.
BCW Group acts in good faith on the information and instructions issued to us by our clients. We are passed this information on the basis that the information provided is true and correct at the time of issue. We were, at no time, advised by our client of any ongoing disputes or unresolved complaint issues. In this instance, we were passed an account in your name with instructions to pursue for the full balance accordingly. By passing the matter to this office for debt recovery purposes our client was satisfied that the balance is due and collectable.

Your above referenced letter is the first contact we have received from you and was the first intimation we received regarding your dispute of service issues with HSBC Bank Pic. We could not therefore have considered the account to be in dispute previously and taken any action to cease collection activity whilst your claims were investigated.

We duly acted upon the information provided and requested the relevant documentation from HSBC Bank Pic. Our client has responded and advised that you are to contact their Service Improvement Team for the documents to be requested.

A cessation of collection activity will remain on your account for a further 30 days to allow you to act on the information provided and contact our client directly for the required documentation. Once you have received the given documentation, please provide details and documentation to support any dispute you have with our client, HSBC Bank Pic. In the absence of any dispute, please contact this office directly to discuss your repayment options.

***8226; Type of account credit card HSBC
***8226; Date commenced Feb 2006
***8226; Approx balance £2755 although before charges etc £2472
***8226; Date last paid July 2011
***8226; not paying
***8226; Status default
***8226; Account owner Central Debt Recovery Unit
***8226; Has PPI

12/3/12 received from Buchanan a 'final Response'
27/02/13 received from Buchanan a 'complaint' raised by me is under investigation, final response in 4 weeks.
25/01/12 received a being investigated 'cease all action' from Buchanan
12/1/13 Sending Sold in Dispute letter
12/1/13 Received Welcome letter from Buchanan asking for payment dated 9/1/13
Metro just confirmed account being refereed to Buchanan & Wells

yup!

[gregco]

Re: Gregco UE diary

Just seem to be going round in circles, I've said its UE, They say they have sent all information and complied...Perhaps it's all if, and buts

[The Tech Clerk]

Re: Gregco UE diary

Another of the May or Ifs? or buts?

[gregco]

Re: Gregco UE diary

Just received another letter from Conn collections, 'We refer to the above matter and our numerous attempts to resolve this matter via correspondence and telephone. We are disappointed that we have failed to agree upon an arrangement to settle this matter. In view of the above we have, as of today's date, forwarded your account to our solicitors Moonies for the purpose of recovering the outstanding monies on our behalf.
You will in due course be contacted by them... ... ...'

I just dont think they understand my stand point. I'm sure the next thing they send to me will be court papers!!

• Type of account credit card opus
• Date commenced April 2008
• Approx balance £3025 although before charges etc £2580
• Date last paid July 2011
• not paying
• Status default
• Account owner DCA Connaught Collections

15/3/13 Received from Connaught letter 'refering account to solicitors; moon beever, whom will contact me shortly'
7/3/13 Sent Account in dispute copy to Moon Beaver.
7/3/12 Received from Moon Beever replica letter I received 11/1/13
29/1/13 Sent Account dispute as UE letter.
17/1/13 Received a reply from connaught re.S78 clarification and compliance, See post
13/1/13 Posting missing PT template to moonies
11/1/13 Received letter from Moon Beever:Pay within 16 days, or we are instructed that out client may issue court proceedings.

Moon beaver are very litigious so I'd be replying to con collections saying "please read my previous correspondence dated xxxx"....

If you've not sent anything then instead look to send beavers a bank account cca --> Overdrafts - CCA Information - allaboutFORUMS

I have received an identical letter from Moon Beever solicitors Today to the one I received in January, I think the best course of action would be to send them a copy of the UE letter I sent to connaught.

[vint1954]

Re: Gregco UE diary

I have received an identical letter from Moon Beever solicitors Today to the one I received in January, I think the best course of action would be to send them a copy of the UE letter I sent to connaught.

Indeed with just a one liner.

[gregco]

Re: Gregco UE diary

I have received an identical letter from Moon Beever solicitors Today to the one I received in January, I think the best course of action would be to send them a copy of the UE letter I sent to connaught.

• Type of account credit card opus
• Date commenced April 2008
• Approx balance £3025 although before charges etc £2580
• Date last paid July 2011
• not paying
• Status default
• Account owner DCA Connaught Collections

7/3/13 Sent Account in dispute copy to Moon Beaver.
7/3/12 Received from Moon Beever replica letter I received 11/1/13
29/1/13 Sent Account dispute as UE letter.
17/1/13 Received a reply from connaught re.S78 clarification and compliance, See post
13/1/13 Posting missing PT template to moonies
11/1/13 Received letter from Moon Beever:Pay within 16 days, or we are instructed that out client may issue court proceedings.

[SaltnVinegar]

Re: Gregco UE diary

I'm not too concerned even if I have the unfortunate chance encounter, if they catch me on a Good day I'll just ignore them, if they catch me on a bad day I'll tare em a new breathing hole!!I'd just rather avoid that approach.

I will reply to the letter I have received from their company using the threat doorstep template.

God this sites good, and you people.

If someone does happen to turn up on your doorstep go out and get a lottery ticket as the odds are pretty similar!

[MrsD]

Re: Gregco UE diary

thank you

it's nice to be appreciated

they are the lowest of the low who do this, trailing around the streets having doors slammed in their faces, can't imagine they can be too bright..............

[gregco]

Re: Gregco UE diary

I'm not too concerned even if I have the unfortunate chance encounter, if they catch me on a Good day I'll just ignore them, if they catch me on a bad day I'll tare em a new breathing hole!!I'd just rather avoid that approach.

I will reply to the letter I have received from their company using the threat doorstep template.

God this sites good, and you people.

[MrsD]

Re: Gregco UE diary

you could pop off a doorstep letter as below

Our Templates | Harassment & Intimidation Templates | Harassment & Threat of Doorstep-Visit

remember a large percentage of these guys don't actually appear

[gregco]

Re: Left it too Late? 2 Court Claims received

As described below, I have just opened this letter telling me the account has been refereed to a doorstep collection agency. I'm not particularly concerned by this yet, although I would prefer if people did not come and knock on my door...However I'm wondering if this is either a ooops we've not received your letter (ignoring it) / or oops your letter and this one have crossed in the mail and apologies will be forthwith....Any thoughts about the best course of action, perhaps give it a few days and resend the original CCA req template, Thanks.

• Type of account Current Account Overdraft Alliance And Leicester / Santander
• Date commenced April 2007
• Approx balance £1019 although before charges etc £550
• Date last paid Aug 2011
• not paying
• Status default
• Account owner Home Collection Services Ltd

14/2/13 Received a letter from CSL dated 12/2/13, We've not heard from you and you account has been refereed to doorstep collectors.
11/2/13 Sent non compliance with CCA req 'template', allaboutFORUMS - View Single Post - spent2much UE diary
4/1/13 Received from CSL a letter requesting payment, and notification that a doorstep collector will be instructed to visit.
25/01/2013 received from Wescot a door step collection notice threat-o-gram.

[gregco]

Re: Gregco UE diary

Thanks SH, I'll send that template to them. I have recently started to get organized by filing all correspondence in chronological order, with hindsight it would of been better than the online filing system I used! I was only keeping copies of letters received and not what I had sent to whom Now I've got copies of everything going everywhere to everyone..much better!!

[ScabHunter]

Re: Gregco UE diary

Yes, the OD request was sent out initially to the first DCA, and subsequent letters have been posted although I'm getting lost who's had what. I also sent follow up letters stating that I am still waiting a response form my initial request, although to whom I am uncertain

In that case, you need to keep better records. Either get a box file and store copies of all letters in chronological order, or scan them and store them electronically.

In this case, I would send the A/C Sold in Dispute letter, amended to cover overdrafts instead of Sections 77-79 -

allaboutFORUMS - View Single Post - spent2much UE diary

SH

[gregco]

Re: Gregco UE diary

Yes, the OD request was sent out initially to the first DCA, and subsequent letters have been posted although I'm getting lost who's had what. I also sent follow up letters stating that I am still waiting a response form my initial request, although to whom I am uncertain

• Type of account Current Account Overdraft Alliance And Leicester / Santander
• Date commenced April 2007
• Approx balance £1019 although before charges etc £550
• Date last paid Aug 2011
• not paying
• Status default
• Account owner Home Collection Services Ltd

4/1/13 Received from CSL a letter requesting payment, and notification that a doorstep collector will be instructed to visit.
25/01/2013 received from Wescot a door step collection notice threat-o-gram.

I can't tell from what you've printed above whether or not an overdraft-style CCA request was ever sent, and, if so, to whom it was sent. If you can just clarify this, it will be possible to determine what should be done next.

SH