Adinuff's UE Diary

[Adinuff]

Re: Adinuff's UE Diary

Hi Guys,
They are threatening doorstep visit. Is there anything i need to send to prevent this?

Adniuff

sort this to suit, don't know if they have been phoning you

Harassment Threat of Doorstep-Visit - allaboutDEBT UK[/QUOTE]

Thanks MRS D,
All done and ready too be posted.

Adniff

[MrsD]

Re: Adinuff's UE Diary

08/06/13 - Letter recieved 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.

Hi Guys,
They are threatening doorstep visit. Is there anything i need to send to prevent this?

Adniuff[/QUOTE]

sort this to suit, don't know if they have been phoning you

Harassment Threat of Doorstep-Visit - allaboutDEBT UK

[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.

Sorrry guys its HBOS account CL Finance sent letter too

[Adinuff]

Re: Adinuff's UE Diary

HSBC CC (wife)

Balance Approx - £4205

Default Date - Approx 2006

Default Amount - £5100

DMP (Payplan) - £12.21 Stopped Payment

Sold - Lewis group

06/03/13 - Recieved CCa and SAR for above account.Scanning now and will send to Niddy for analysis. first thoughts are it is enforceable

07/03/13 - Word back from Niddy. Seems like the CCA is enforceable :-(

07/01/13 - Reduced payment to £1

18/03/13 - 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 likely 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.

08/06/13 - Letter recieved 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.[/QUOTE]

Hi Guys,
They are threatening doorstep visit. Is there anything i need to send to prevent this?

Adniuff

[Adinuff]

Re: Adinuff's UE Diary

that'd help

All done Squire

[Never-In-Doubt]

Re: Adinuff's UE Diary

Shall i send to you now?

Adinuff

that'd help

[Adinuff]

Re: Adinuff's UE Diary

Hiya

Have you sent the CCA Overdraft letter?

i.e. --> Overdrafts - CCA Information - allaboutFORUMS

Hi Niddy,
i have sent them the first draft letter and they have sent me back a copy of the agreement. Shall i send to you now?

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

Hiya

Have you sent the CCA Overdraft letter?

i.e. --> Overdrafts - CCA Information - allaboutFORUMS

[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.

Hi Guys,
These guys seem to be on ball and have sent me CCA for Overdraft. I have stopped payments anyhow. Whats your thoughts shall i set the clock running or reduce to £1? bit lost with this one.

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

No need to worry too much about duplicate default at this stage, but to argue just contact the CRA and say "this is a duplicate entry of XX" and they will remove the duplicate.

Easy enough to resolve.

regards CCA, if they have kept and cashed the cheque then give 14 days from then and then chase it using the CCA follow up template.

[Adinuff]

Re: Adinuff's UE Diary

ahh well try sending just a CCA request off with £1 payment

i have Nids. They haven't acknowledged my CCA request just SAR. So that's why i thought i need to send them a reminder about CCA. They seem to have SAR request so there shouldn't be any reason why the CCA hasn't been received.Also need some advice on how to tackle my double default registered by Cabottom. They have registered default from exact date and amount as HSBC original date. So no issues on that front. Do i contact HSBC data controller or CRA's? Is there any template i can borrow or use?

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

ahh well try sending just a CCA request off with £1 payment

[Adinuff]

Re: Adinuff's UE Diary

what did you want a SAR for then, if not PPI?

Hey Nids,
I sent off a SAR and CCA request to everyone before you told me not too SAR and just do a CCA request. I suppose i got the £10 back and a little info on charges.

Adinuff

[Never-In-Doubt]

Re: Adinuff's UE Diary

what did you want a SAR for then, if not PPI?

[Adinuff]

Re: Adinuff's UE Diary

HFC Marbles CC (wife)

Balance Approx - £2249

Default Date - Approx 2006

Default Amount - £2700

DMP (Payplan) - £6.53

Sold - Lewis Group

05/03/13 - Have Sent CCA and SAR request to HFC. Sent wrongly to HBOS before :-(

07/03/13 - Reduced payment to £1

25/04/13 - Received letter back from beneficial reference SAR request.Thank you for your recent letter in which you have requested information relating to the agreements you hold with us. we have assumed that your request for information is likely to be in relation PPI policies. We can confirm the account did not hold PPI charges. Returned £10 postal order :-)Still no reply to CCA request

Hi Guys,
Recieved reply reference SAR but still no acknowledgment to CCA request. They have sent me a breakdown of charges they have applied since the account has been opened. They think this SAR request was in relation to PPI request and have retuned the £10. Should a reminder letter for CCA and orginal SAR request be sent again?

Adniff