Adinuff's UE Diary

[Deepie]

Re: Adinuff's UE Diary

Hi Deepie,
I paid £1.70

Adinuff

special delivery is £6.22

http://www.royalmail.com/prices-2013#UK

[Adinuff]

Re: Adinuff's UE Diary

How much did you pay?

Hi Deepie,
I paid £1.70

Adinuff

[Deepie]

Re: Adinuff's UE Diary

Hi deepie,
thought i had sent it special delivery. They were meant to sign for it.

Adinuff

How much did you pay?

[Adinuff]

Re: Adinuff's UE Diary

I'd be sending it special delivery if it were me.......

Hi deepie,
thought i had sent it special delivery. They were meant to sign for it.

Adinuff

[Deepie]

Re: Adinuff's UE Diary

Hi Guys,
Sent letter as per Niddy template. letter returned to my home address. Have checked online and rang track and trace Royal Mail. They state letter still being processed. Any advice much appreciated.

Adinuff

I'd be sending it special delivery if it were me.......

[Adinuff]

Re: Adinuff's UE Diary

HBOS CC (wife)

Balance approx - £4967

Default Date - Approx 2006

Default Amount - £6000

DMP (Payplan) - £14.41 Stopped Payment

Sold - Lewis group


21/01/13- SAR and CCA request sent

24/01/13 -Section 77/78 request returned, signature required.

04/0/13 - Reconstitued version of the executed agreeement sent. Will send original signed application to comply with 60/61 request

04/02/13 - SAR request returned again. Will let me collect from local branch


10/02/13 - letter sent comfirming address of my local branch to collect SAR

18/02/13 - Copy of original signed application sent. Letter stating no need to send original.

19/02/13 - SAR request - letter stating they are in process of requesting information. Will send information by 26 March 2013

02/03/13 - recieved correspondence from niddy saying CCA are unforceable AT the moment. Need to send a letter asking for prescribed T&C's

05/03/13 - Sent off letter stating missing Pres T&C's

07/03/13 - Stopped payment

08/06/13 - Letter received from CL finance that we have failed to make agreed payments. We need to make payments within 10 days otherwise termination of agreement and a doorstep visit to collect payment.

12/08/13 - Letter received from HC & Co Solicitors. notice of pending action. we have been instructed to issue a claim against you in the county court in repsect of above debt. Should you fail to respond to this letter, a claim will be issued against you without any further notice. Our client has asked that we take this final opportunity to remind you off implications of action being taken against you through court. Need advice on this one.

23/08/13 - Sent letter regarding my CCA request not being fulfilled. This letter was returned this morning. address matches that of Howard Cohen solicitors. Rang automated system for track and trace and went online and it says letter still in system.

Hi Guys,
Sent letter as per Niddy template. letter returned to my home address. Have checked online and rang track and trace Royal Mail. They state letter still being processed. Any advice much appreciated.

Adinuff

[vint1954]

Re: Adinuff's UE Diary

Indeed, send it now

[nightwatch]

Re: Adinuff's UE Diary

get it sent. then they know it's in dispute

[Adinuff]

Re: Adinuff's UE Diary

Hi Guys,
Just checked my folder relating this account and they sent me a letter dated 23 July stating the same facts(maybe its just another threatogram). I have printed my response as per Niddy template. Shall i send anyhow or hold my horses until further correspondence?

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

Why the 7 day delay before telling us?????

Did you ever make them aware of the failed s.78? If not, do so!

i.e......(edit the date of letter)

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated xx August 2013 and note the content within.

I am a little dismayed to receive such a threat when surely you must know that the Original Creditor is actually in default of my lawful s.78 CCA Request made several months ago now? If not, then before making future threats, I politely request that you speak to the Original Creditor and have them send me the correct documentation so that they can comply with the provision of the Consumer Credit Act because if any action is forthcoming as a result of this I will defend the claim and also request costs based on the vexatious nature of any such claim. There is a clear fault with the information sent to me with the documents received to date, which does not alleviate the Original Creditor of their obligations within s.78.

I look forward to receiving the missing documentation that will then allow me to check the details and ascertain the facts surrounding your claim(s).

Yours faithfully,


Sign Digitally

Hi Niddy,
I'm sorry i have been soo busy at work that i haven't had time to go through letters until a few days ago. will get this letter drafted asap and sent.

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

Hi Guys ,
Received this on 12 Aug. They're saying they will take me to court. Could you please advice me on next step. Or is this a threatogram?

Adinuff

Why the 7 day delay before telling us?????

Did you ever make them aware of the failed s.78? If not, do so!

i.e......(edit the date of letter)

Dear Sirs,

Ref: xxxxxxxx

I write with reference to your letter dated xx August 2013 and note the content within.

I am a little dismayed to receive such a threat when surely you must know that the Original Creditor is actually in default of my lawful s.78 CCA Request made several months ago now? If not, then before making future threats, I politely request that you speak to the Original Creditor and have them send me the correct documentation so that they can comply with the provision of the Consumer Credit Act because if any action is forthcoming as a result of this I will defend the claim and also request costs based on the vexatious nature of any such claim. There is a clear fault with the information sent to me with the documents received to date, which does not alleviate the Original Creditor of their obligations within s.78.

I look forward to receiving the missing documentation that will then allow me to check the details and ascertain the facts surrounding your claim(s).

Yours faithfully,


Sign Digitally

[Adinuff]

Re: Adinuff's UE Diary

HBOS CC (wife)

Balance approx - £4967

Default Date - Approx 2006

Default Amount - £6000

DMP (Payplan) - £14.41 Stopped Payment

Sold - Lewis group


21/01/13- SAR and CCA request sent

24/01/13 -Section 77/78 request returned, signature required.

04/0/13 - Reconstitued version of the executed agreeement sent. Will send original signed application to comply with 60/61 request

04/02/13 - SAR request returned again. Will let me collect from local branch


10/02/13 - letter sent comfirming address of my local branch to collect SAR

18/02/13 - Copy of original signed application sent. Letter stating no need to send original.

19/02/13 - SAR request - letter stating they are in process of requesting information. Will send information by 26 March 2013

02/03/13 - recieved correspondence from niddy saying CCA are unforceable AT the moment. Need to send a letter asking for prescribed T&C's

05/03/13 - Sent off letter stating missing Pres T&C's

07/03/13 - Stopped payment

08/06/13 - Letter received from CL finance that we have failed to make agreed payments. We need to make payments within 10 days otherwise termination of agreement and a doorstep visit to collect payment.

19/08/13 - Letter received from HC & Co Solicitors. notice of pending action. we have been instructed to issue a claim against you in the county court in repsect of above debt. Should you fail to respond to this letter, a claim will be issued against you without any further notice. Our client has asked that we take this final opportunity to remind you off implications of action being taken against you through court. Need advice on this one.

Hi Guys ,
Received this on 12 Aug. They're saying they will take me to court. Could you please advice me on next step. Or is this a threatogram?

Adinuff

[The Tech Clerk]

Re: Adinuff's UE Diary

somebody call "" Metroplitan""", those lame ducks i.e. the in house DCA monkeys of HSBC (Hang Some Before Christmas) Bank.

[Never-In-Doubt]

Re: Adinuff's UE Diary

I'd ignore but keep us updated. They'll probably pass to their scary colleagues across the way in Coventry called Metropolitan

[Adinuff]

Re: Adinuff's UE Diary

HSBC Bank Current Account Business Sole Trader (joint)

Balance Approx - £13178.92

Default Date - 14/03/07 (Passed over to Payplan)

Default Amount - £15500

DMP (payplan) - £40 monthly Stopped Paying

Inhouse Collections - Metropolitan

21/01/13 - SAR request sent

28/01/13 - Letter recieved confirming they will insitgate a search reference SAR

30/01/13 - Letter recieved stating signature required for CCA request

04/02/13 - Letter sent stating that signature is not required and will pick up documents from local branch with SAR request.

27/02/13 - Letter recieved documentation is ready for collection at local branch

06/03/13 - Recieved SAR from HSBC regarding business current account. Original Overdraft was £4250. Account went over to £25k at one stage with Charges and interest. Payplan sent a letter to Ombudsman in 2008 for interests charges to be stopped. Intially rejected by HSBC in 2006. Account is back down to £13178. so seems they must of took charges and penalties off i presume. Need to confirm with PP.

06/03/13 - CCA request sent as per template on Overdrafts section

07/03/13 - reduce payment to £1

26/03/13 - Received letter back from HSBC. "Thank you for your letter dated 06/03/13. we are currently looking into this with the relevant department. Will get back to me with a full response once investigated"

12/04/13 - Recieved letter from HSBC stating they are looking into my complaint. estimate response by 10/05/13.

17/04/13 - received letter from HSBC. May i advise you, the consumer credit (EU Directive) 2010, which inserted sections 74A and 74B into the consumer Credit Act 1974 (hereinafter the Act), does not impose a duty on a crditor to provide copies of the historic overdraft agreements. Nevertheless we enclose a copy of the facility letter dated 12/;03/08, being a copy of the overdraft agreement,for your info.
As the requirements set out in sections 74A and 74B of the act did not come into affect until 1 feb 2011, they do not apply to the agreement in question. Notwithstanding, the facility letter contains information which would in any event comply with the newly inserted provisions.
as to your contention that the bank is under a duty to furnish you with the information required by the aforementioned sections on annual basis, we cannot agree. These provisions only apply to existing and prospective overdraft agreements.
The balance outstanding on this account arose from the agreement entered into in March 2008 which was fixed in duration until 19 March 2009. as such, this debt relates to a historic OD agreement and the facility is no longer available. Therefore, the bank is not required to provide an annual statement relating to the current OD agreement as there is no such agreement in existence.
At this stage we would like to point out that upon the account closure in March 2009, the balance outstanding was transferred for recovery to Metropolitan Coll and interest and charges have remained frozen. Whilst i appreciate that this may not have been the response you may have anticipated, i trust this serves to clarify the banks position on the matter.

18/04/13 - Letter addressed to wife. "Response to a request pursuant to Section 77 of the consumer Credit Act 1974. we write to your letter dated 25/01/2013???. in normal circumstances the request you have made under section 77 off the CCA 1974 is not valid and HSBC has no obligation to provide the documents you seek. This is because the info relates to closed /repaid products that are no longer in force.
However we have assumed that your request for info is likelt to bin relation to obtaining details of PPI that you held with HSBC...goes onto mention CC that they think i have held with PPI. return my £1 postal order for safekeeping.

29/05/13 - Letter received from Metropolitan Col stating "you have not made a suitable arrangement to repay the outstanding balance on your account. Must call us asap. we may be prepared to agree a discount to your balance. They have increased the debt back to £20,834 from £13k. Gonna ignore for time being

26/06/13 - Final demand. Despite making several attempts to contact me. if we do not hear from you in 7 days we will take further action against you to recover this amount.

17/07/13 - Two Letters received from Metropolitan in both names advising account has now gone to Central Debt Recovery unit.

27/07/13 - Limited Discount offer. We have written to you on previous occasions in connection with your debt. We understand you may be experiencing financial difficulties. Your account is being prepared to be referred to a debt collection agency who may call at our home. With this in mind our clients are prepared to offer you a generous DISCOUNT of 40% in full and final settlement, subject to payment being received within 10 days.

Hi Guys there offering a "so called" generous offer of 40%. Dont think they have even taken of the full interest and charges loaded onto this account. Gonna ignore for time being and see what there next step is. Any advice or experience with HSBC would be welcome

Adinuff