CCA received

[The Tech Clerk]

their move next report back here when heard anything other areas need to be correct.

[The Tech Clerk]

update dairy in the form above please keeps it tidy and up to date.

[Andrew10]

Type of account - hsbc credit card
Date commenced -2007
Approx balance -2000
Date last paid -oct 21
Are you on arrangement or not paying -not paying
Account owner -Cabot
defaulted in 2011 and was paying monthly until October 21
30/05/22 cca received from Cabot sent to niddy it’s enforceable
31/05/22 letter from Cabot asking me set up my own plan

Update

[Roger]

Update

Now would be the appropriate time to send a DSAR to HSBC because Cabot have been corresponding with them to obtain that CCA.
There are many reasons for a Debt being UE. The DSAR will flesh out what is or may be missing.
In the meantime the best response to Cabot WILL BE SILENCE!!
Refer any further correspondence back here!

[Andrew10]

I’ve got a dsar from them it’s quite a lot of information is there anything in particular apart from the cca I should look for

[Roger]

I’ve got a dsar from them it’s quite a lot of information is there anything in particular apart from the cca I should look for

Yes background to your relationship with HSBC if any! the Default and other Notices of Arrears if any, Closing of Account, correspondence between Cabot and HSBC. The actual assignee.

[Andrew10]

[QUOTE=Andrew10;n1545052]Type of account - hsbc credit card
Date commenced -2007
Approx balance -2000
Date last paid -oct 21
Are you on arrangement or not paying -not paying
Account owner -Cabot
defaulted in 2011 and was paying monthly until October 21
30/05/22 cca received from Cabot sent to niddy it’s enforceable
31/05/22 letter from Cabot asking me set up my own plan
16/06/2022 letter received legal action in one month

[Still Waving]

Is this a Letter Before Claim, with several pages of tick-box questions, or a threat of further action? Detail is everything.

[Andrew10]

It was text message to open letter with a threat of legal action

[The Tech Clerk]

Threatogram then non comprehedo opps slol

[Andrew10]

Type of account - hsbc credit card
Date commenced -2007
Approx balance -2000
Date last paid -oct 21
Are you on arrangement or not paying -not paying
Account owner -Cabot
defaulted in 2011 and was paying monthly until October 21
30/05/22 cca received from Cabot sent to niddy it’s enforceable
31/05/22 letter from Cabot asking me set up my own plan
16/06/2022 letter received legal action in one month
29/06/22 letter received today telling me I have 22 days to avoid legal action and also a threat of court fees and legal costs will be added

Getting phoned twice a day and threatening letters now about court and legal cost will be added

[Still Waving]

Getting phoned twice a day and threatening letters now about court and legal cost will be added

Only if they go to court and win their case. They haven't issued a Letter Before Claim yet.

[Andrew10]

Hi have received a letter today which was dated the 10/07/22 saying hi have 7 days to pay the full balance or it will be placed with their solicitor but by the time it gets to me the 7days are up so they don’t give you chance to contact them before they pass it to solicitors they must do this on purpose te scare me

[The Tech Clerk]

they all do that (Threatograms 2nd drawer down) amaturs

[Andrew10]

I’ve received a letter from Cabot today saying we will not be taking legal action at this time due to my circumstances