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Re: Digby's ue Diary
Marbles/Beneficial/HSBC
Type of account - Credit card
Date commenced – March 2003
Approx balance - £6,800
Date last paid – 28.1.2015
Are you on arrangement or not paying – Not paying
Status – Default Notice 9.6.2014
Account owner – HSBC
History – Marbles, then Beneficial, then HSBC
3.2.2015 HSBC advised sent to their Recoveries Section, asked me to telephone them to discuss existing payment arrangement. I didn’t.
11.2.2015 CCA request sent to HSBC .
14.4.2015
Letter received from HSBC says have been “unable to provide a copy of the original agreement so have provided a reconstituted copy that does not include information which it is permitted to exclude such as signatures and signature box”.
This is a blank copy of an application form in which they have handwritten my name and address with no other details. They say that the account was opened in 2003 and that they also hold details at the time of application such as d.o.b. and employment details, although they have not included this info within the paperwork they sent.
There is also a photocopy of the Beneficial Terms & Conditions with none of my details. I think Beneficial were the previous owners although not the original one as it started out as a Marbles card.
Further states that “payments received have been submitted by yourself and account has been conducted in a way that suggests a relationship with the bank and in view of this HSBC considers you liable for payment of the outstanding balance”.
This one was declared ue by Niddy on the 17.4.2015 as it's just a blank application form
28.10.2015 HSBC advised being referred to Restons Solicitors.
4.11.2015 Letter from Restons advising full balance to be paid by 16.11.2015 or client has instructed them to issue a ccj. Says client may be prepared to accept instalments and enclosed i.e forms. Says client also wishes us to know that they would accept a specially discounted settlement "which could represent a substantial saving."
5.11.2015 Sent letter (as per Niddy above) saying HSBC have not complied with cca request.
11.11.2015 Letter from Restons saying thank you for my letter, they are now seeking client's instructions and account has been placed on hold.
18.12.2015 Letter from Restons saying their client complied with cca request on the 10.4.2015 and enclosing a staggeringly unreadable photocopy of the doc they sent before (the one where HSBC had handwritten some of my details on a blank application form). This time also enclosed a micrcoscopically small badly photocopied set of terms and conditions with no obvious connection to me. Says I must contact them with a completed financial statement form by 6th January 2016 or may result in legal proceedings being commenced.
05.01.2016 Sent 'illegible document received' letter to Restons
07.01.2016 Letter from Restons returning my letter and stating that it was unsigned, any future unsigned documentation will not be acknowledged by them and they will not reply.
21.1.2016 Letter sent to Restons as advised by Niddy.
12.2.2016 Letter from Restons saying they cannot deal with my letter as it is unsigned. They enclosed a photocopy of the letter I sent to them (requesting all of the docs Niddy suggested and saying there is no legal requirement for letters to be signed etc). They have obviously kept a copy of the letter on file. So, it seems that they are refusing to acknowledge the letter saying I don’t have to provide a signature, because it doesn’t have a signature.
16.2.2016 Letter from Restons referring to my letter of 14.1.2016 says the doc supplied bt Restons 16.12.2016 was a copy of the one supplied by their client 10.4.2016 and suggests I refer back to these copies.Says legal proceedings will now be issued against me.
16.02.2016Letter sent as per Niddy above #161
17.02.2016 Claim issued by Restons
Just updating the diary, have previously uploaded copy of claim to AAD+ Legal Claim Portal
Marbles/Beneficial/HSBC
Type of account - Credit card
Date commenced – March 2003
Approx balance - £6,800
Date last paid – 28.1.2015
Are you on arrangement or not paying – Not paying
Status – Default Notice 9.6.2014
Account owner – HSBC
History – Marbles, then Beneficial, then HSBC
3.2.2015 HSBC advised sent to their Recoveries Section, asked me to telephone them to discuss existing payment arrangement. I didn’t.
11.2.2015 CCA request sent to HSBC .
14.4.2015
Letter received from HSBC says have been “unable to provide a copy of the original agreement so have provided a reconstituted copy that does not include information which it is permitted to exclude such as signatures and signature box”.
This is a blank copy of an application form in which they have handwritten my name and address with no other details. They say that the account was opened in 2003 and that they also hold details at the time of application such as d.o.b. and employment details, although they have not included this info within the paperwork they sent.
There is also a photocopy of the Beneficial Terms & Conditions with none of my details. I think Beneficial were the previous owners although not the original one as it started out as a Marbles card.
Further states that “payments received have been submitted by yourself and account has been conducted in a way that suggests a relationship with the bank and in view of this HSBC considers you liable for payment of the outstanding balance”.
This one was declared ue by Niddy on the 17.4.2015 as it's just a blank application form
28.10.2015 HSBC advised being referred to Restons Solicitors.
4.11.2015 Letter from Restons advising full balance to be paid by 16.11.2015 or client has instructed them to issue a ccj. Says client may be prepared to accept instalments and enclosed i.e forms. Says client also wishes us to know that they would accept a specially discounted settlement "which could represent a substantial saving."
5.11.2015 Sent letter (as per Niddy above) saying HSBC have not complied with cca request.
11.11.2015 Letter from Restons saying thank you for my letter, they are now seeking client's instructions and account has been placed on hold.
18.12.2015 Letter from Restons saying their client complied with cca request on the 10.4.2015 and enclosing a staggeringly unreadable photocopy of the doc they sent before (the one where HSBC had handwritten some of my details on a blank application form). This time also enclosed a micrcoscopically small badly photocopied set of terms and conditions with no obvious connection to me. Says I must contact them with a completed financial statement form by 6th January 2016 or may result in legal proceedings being commenced.
05.01.2016 Sent 'illegible document received' letter to Restons
07.01.2016 Letter from Restons returning my letter and stating that it was unsigned, any future unsigned documentation will not be acknowledged by them and they will not reply.
21.1.2016 Letter sent to Restons as advised by Niddy.
12.2.2016 Letter from Restons saying they cannot deal with my letter as it is unsigned. They enclosed a photocopy of the letter I sent to them (requesting all of the docs Niddy suggested and saying there is no legal requirement for letters to be signed etc). They have obviously kept a copy of the letter on file. So, it seems that they are refusing to acknowledge the letter saying I don’t have to provide a signature, because it doesn’t have a signature.
16.2.2016 Letter from Restons referring to my letter of 14.1.2016 says the doc supplied bt Restons 16.12.2016 was a copy of the one supplied by their client 10.4.2016 and suggests I refer back to these copies.Says legal proceedings will now be issued against me.
16.02.2016Letter sent as per Niddy above #161
17.02.2016 Claim issued by Restons
Just updating the diary, have previously uploaded copy of claim to AAD+ Legal Claim Portal
xx
Perhaps that was three separate typos but it's a LBA so it shouldn't be sloppy.
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