Grahaz diary

[grahaz]

Hi, Niddy,
Just joined and now starting a diary, been on a dmp for 7 years now going it alone. Recommended to you by another member.

[grahaz]

Re: Grahaz diary

Cap 1
Credit card
date comm 2004
Balance £1300
Last paid Feb 2013
Stopped Paying
Defaulted
Acc Fredricksons.

7 Feb 2013 sent cca request.
20 Feb received cca. with t/cs.
it would appear that they have sent a copy of the application and a re-constituted copy of t and c,s?

25/3/2013 RECIEVED LEGAL LETTER FROM BRYAN CARTER SOLICITORS SAYING PAY UP IN 14 DAYS OR LEGAL ACTION WILL BE TAKEN TO RECOVER THE DEBT.
4/4/13 recieved letter from Fredrickson saying they have replied with docs 77 / 78 cca we hopr this clarifies if we do not hear we will resume collections. Will ignore until further contact.

[grahaz]

Re: Grahaz diary

Current acc business (company Liquidated 2005) HSBC.
Date com 2002.
Balance £12000
Last paid Feb 2013,
Stopped paying March 2013.
Defaulted.
Cabot.

CCA requested 7/2/13
Just recieved a reply and thay nare saying that this debt is an overdraft not a loan. back in 2006 we liquidated a company and were told that the overdraft was garranteed there for HSBC said they had made it into a loan! we have never seen any copies of such documents normally when a company is liquidated the debts go with it. How should I approach this one.

15/3/2013 written to cabot requesting the account be put on hold until I have recieved SAR request fulfilment from HSBC the SAR request has also been sent.
We have no records of ever signing personal garrantees.

23/3/2013 RECIEVED LETTER FROM THIER SAR DEPARTMENT ASKING WHAT EXACTLY WE WE REQUIRE INFORMED THEM THAT WE REQUIRE "ALL AND EVERTHING YOU CURRENTLY HOLD ON ME" THEY AKNOWLEDGED REQUEST AND SAID IT WILL TAKE A BIT OF TIME.
SENT LETTER TO CABOT INFORMING THEM OF OUR SAR REQUEST AND REQUESTED THAT THE ACCOUNT BE PUT ON HOLD UNTIL WE HAVE RECIEVED THE INFO AND DIGESTED IT.
3/4/2013 RECIEVED CONFIRMATION LETTER FROM HSBC COULD WAIT UPTO 40 DAYS.
3/5/13 Collected all docs from HSBC regarding SAR.

[grahaz]

Re: Grahaz diary

Acc Credit Card
Commenced 2000
£5000 balance
Last paid Feb 2013
Stopped paying March 2013
Defaulted
Westcot.

7/2/13 CCA requested.
Letter received Westcot 25/2/13 acc on hold awaiting documents.

[grahaz]

Re: Grahaz diary

Janet Fraser Catalogue
Date com 2006
Balance £450
Last paid Feb 2013
Stopped paying March 2013
Defaulted
Acc Owner Debt manager services ltd.


CCA requested 7/2/13
21/2/13 received letter from DMSL awaiting documents.

19/3/2013 account been put on hold pending documents

[grahaz]

Re: Grahaz diary

BMW Finance CAR Lease.
Date cmmenced 2005
Balance £5000
Last paid Feb 2013
Stopped paying March 2013
Defaulted
Acc owner Direct Legal & collections.


CCA requested 7/2/13
Returned 3 times saying contact BMW direct

18/3/2013 SENT NEW REQUEST TO BMW WITH COPY OF TWO UTILITY BILLS AND COPY OF PASSPORT, BUT NOT ANY SIGNATURES AS REQUESTED BY THEM

13/3/2013 sent cca request direct to BMW

16/3/2013 recived reply from BMW ignoring our request without a true signed letter and copy of passport id
I intend to write back and remind them of there obligations and that varification of me is in the public domain via the electoral role!!!!! what do you think?

25/3/2013 RECIEVED REPLY STILL INSISTING THAT THEY NEED MORE INFO THAN THAT SENT ON THE 18/3/2013 I WILL REPLY AGAIN USING RECORDED DELIVERY STATING THAT WE HAVE FURNISHED INFO AS REQUIRED THE ONLY FOUTE FOR THEM TO CONFIRM WHO WE ARE IS TO CONSULT THE ELECTORAL ROLE.
10/4/13 final demand sent for cca.

[grahaz]

Re: Grahaz diary

Acc Flexi Loan HSBC
Commenced 2002
Balance £14000
Last paid Feb 2013
Stopped paying March 2013
Defaulted 2007 July
Acc owner Metropolitan collection services.

7TH Feb 2013 sent CCA request.

19TH MARCH 2013 STILL HAD NO REPLY FROM THEM

25/3/2013 STILL NO REPLY

[grahaz]

Re: Grahaz diary

Cap 1
Credit card
date comm 2004
Balance £1300
Last paid Feb 2013
Stopped Paying
Defaulted
Acc Fredricksons.

7 Feb 2013 sent cca request.
20 Feb received cca. with t/cs.

Hi Niddy,
Will send cca request to you shortly.

[DoTheyMeanMe]

Re: Grahaz diary

Hi Grahaz and welcome to the forum.

You are obviously well organised so you should start seeing some positive results here pretty soon.

I well remember the first CCA I sent to Niddy. To my eyes it seemed OK but he soon educated me with the words" Unenforceable - you should not have too much trouble with this one". It took him no time to identify the Bank's bullshit.

I look forward to reading about your first UE agreement soon.

Good luck on your journey.

[The Tech Clerk]

Re: Grahaz diary

Acc Flexi Loan HSBC
Commenced 2002
Balance £14000
Last paid Feb 2013
Stopped paying March 2013
Defaulted 2007 July
Acc owner Metropolitan collection services.

Feb 2013 sent CCA request.

Note:- Metropolitan is HSBC DCA in house. so still with HSBC.

[oldyboy]

Re: Grahaz diary

Hi, and welcome to the forum!

Wishing you luck on your UE journey.

I'm looking forward to reading your diary.

Don't worry about the possible onslaught of phone calls and/or letters trying to bully you. Once you start getting your CCAs through and you find out if any are enforceable then you'll find, strangely enough, they start to fade away into the background.

[pezman65]

Re: Grahaz diary

Hi, Niddy,
Just joined and now starting a diary, been on a dmp for 7 years now going it alone. Recommended to you by another member.

Hi Grahaz, welcome, your life is about to change for the better, It may seem daunting at first but the support and advice you will receive on this site will allow you to start living again without the fear of DCA's and Banks. Whatever happens you will get control back in your life and the bullying form the tossers will stop hurting. I wish you all the best and will watch with enjoyment your road to peace. Pezman

[grahaz]

Re: Grahaz diary

Hi, and welcome to the forum!

Wishing you luck on your UE journey.

I'm looking forward to reading your diary.

Don't worry about the possible onslaught of phone calls and/or letters trying to bully you. Once you start getting your CCAs through and you find out if any are enforceable then you'll find, strangely enough, they start to fade away into the background.

Thank you for your support have you seen my question on the Cabot/hsbc

[grahaz]

Re: Grahaz diary

Hi Grahaz, welcome, your life is about to change for the better, It may seem daunting at first but the support and advice you will receive on this site will allow you to start living again without the fear of DCA's and Banks. Whatever happens you will get control back in your life and the bullying form the tossers will stop hurting. I wish you all the best and will watch with enjoyment your road to peace. Pezman

Thank you for your support

[Undercover Elsa]

Re: Grahaz diary

Current acc business (company Liquidated 2005) HSBC.
Date com 2002.
Balance £12000
Last paid Feb 2013,
Stopped paying March 2013.
Defaulted.
Cabot.

CCA requested 7/2/13
Just recieved a reply and thay nare saying that this debt is an overdraft not a loan. back in 2006 we liquidated a company and were told that the overdraft was garranteed there for HSBC said they had made it into a loan! we have never seen any copies of such documents normally when a company is liquidated the debts go with it. How should I approach this one

Hi Grahaz, welcome to AAD
Do you mean that you personally guaranteed it?
You would need to send a Subject Access Request to HSBC to get to the bottom of this.
You can find the SAR template here: Subject Access (SAR) - Advanced Request - allaboutDEBT UK

Send it direct to HSBC, not Cabot.