Grahaz diary

[The Tech Clerk]

Re: Grahaz diary

3/4/2013 JUST RECIEVED LETTER FROM hsbc INFORMING ME THAT MY ACCOUNT HAS BEEN SOLD TO ARROW GLOBAL , HOWEVER WE STILL HAVE NOT RECIEVED ANY COPIES OF DOCS YET ITS BEEN NEARLY TWO MONTHS

Note;- Metro are HSBC in house DCA.

[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

3/4/2013 JUST RECIEVED LETTER FROM hsbc INFORMING ME THAT MY ACCOUNT HAS BEEN SOLD TO ARROW GLOBAL , HOWEVER WE STILL HAVE NOT RECIEVED ANY COPIES OF DOCS YET ITS BEEN NEARLY TWO MONTHS

[Undercover Elsa]

Re: Grahaz diary

Fingers crossed eh?

[Never-In-Doubt]

Re: Grahaz diary

Nice one

The issue is that anything personally guaranteed will not go into the public insolvency so it'll loiter for you. Unless you went BR at the same time then that part of things will stay owed.

Problem the bank will have is that an overdraft is different to a loan and they cannot just upgrade lending like this so if its gone from OD to personal loan then it'll be UE all the way home

I know they used to do it a lot for personal customers in debt. They'd merge a card and OD into a "managed loan" which are almost always unenforceable

[grahaz]

Re: Grahaz diary

thanks very much for your input i will have this out by the 16th march and will write to HSBC direct withSAR request

[Undercover Elsa]

Re: Grahaz diary

To Cabot, I'd simply wait until they write again then write back something on the lines of:

Account ref:
Dear Sirs,
Thank you for your letter of xxxx.
As I have no documentation relating to this debt and you have failed to supply any, I have contacted HSBC directly for clarification via a Data Subject Access Request.
Please confirm that you will place this account on hold until after I receive and check this information.
yours faithfully


How long have Cabot had it, has interest been frozen? Do you receive statements of account?

[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.

[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

[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

[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

[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.

[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.

[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.

[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.

[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