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  • Originally posted by Strepsi View Post
    How long do they have to respond, is it similar to a general cca request?
    Niddy's article sets out the background and how these come under CCA. The requirement for information is quite tough! requiring detailed information. It isn't under s.78/77 hence not requiring 1. BUT ITS REALLY IMPORTANT TO USE RECORDED DELIVERY HERE. (Proof of postage and receipt).


    Comment


    • I am sure that somewhere in the 31 pages there are details of this account such as when it was opened, how much is owed and when it was defaulted but for ease please can we have a brief history.

      Remember the letters Niddy wrote were in 2011 and are very useful for old overdrafts. I have used them myself and 2 OD's are now SB, however if these are newer there may be other ways to tackle them that are even more powerful.

      I don't want to sound all school ma'am ish but we are not all as familiar with your debts as you are and it is easy to think , unless told other wise that post x is the same as post x-1 and post x+1. I do get it, I know my debts like the back of my hand but others don't.

      Comment


      • I am sure that somewhere in the 31 pages there are details of this account such as when it was opened, how much is owed and when it was defaulted but for ease please can we have a brief history.

        Remember the letters Niddy wrote were in 2011 and are very useful for old overdrafts. I have used them myself and 2 OD's are now SB, however if these are newer there may be other ways to tackle them that are even more powerful.

        I don't want to sound all school ma'am ish but we are not all as familiar with your debts as you are and it is easy to think , unless told other wise that post x is the same as post x-1 and post x+1. I do get it, I know my debts like the back of my hand but others don't.

        I am aware it is vague. On the start of this journey I was a little confused overdrafts, as they are different to CC's. So have concentrated my efforts on credit cards.

        I will attempt to paint a full picture over the weekend (if I have the opportunity).

        But for now, from memory the debt was bought by 1st Credit, at time of purchase their licence was lapsed, they have since renamed themselves to Intrum.

        I have sent the appropriate CCA request for overdrafts (thanks to Roger). It has been sent recorded delivery and receipt kept.

        Comment


        • HSBC 950
          June /2007
          Joint Current Account - Overdraft

          So apologies, if a little vague at the outset. I am getting better believe or not at record keeping. I have previously CCA'd this to Moorcroft in October 2016, who advised they are no longer dealing with account (however, I now know that I would have sent the incorrect template anyway).

          Since then...
          Wescott June 2016 - Notice of Debt Collection

          Dear Mrs
          Wescot is a specialist debt collection and we have been instructed by our client HSBC to make contact with you....

          Four further letters nothing threatening, confirming address and offers etc...


          Letter dated November 2016 from HSBC

          Dear Mrs

          I am writing to inform you that the above account has been sold by HSBC to 1st Credit (Finance Ltd) on the ?/10/2016.
          I confirm that the amount outstanding on your account at the time was . 1st Credit (Finance Ltd) have appointed 1st Credit Limited as their servicing agent to manage your account on their behalf.


          they go on to confirm that 1st Credit (Finance) is now the owner of the account.

          Don't appear to have a hello letter from 1st Credit

          I received loads of get in contact, offer letters, settlement discounts...then.

          March 2018
          "1st Credit is now Intrum""

          Dear Mrs
          From 1st March 2018 our new name "Intrum" will be used in all aspects of our relationship with you regarding your account. We're taking care of everything and so there is no need to do anything.

          April 2018
          Account Assignment - "We are here to help" - (yeah right!!)
          Dear Mrs

          We would like to take this opportunity to introduce Intrum UK Finance Ltd (formerly 1st Credit (Finance Ltd) as the legal owner of the outstanding debt , following the assignment from HSBC Bank in October 2016.


          There has been other letters, all of which have been asking for the wife to contact. It maybe a minor point but shouldn't all the correspondence be addressed to both of us as it is a joint account.

          I hope that helps in someway to get understanding of this account.



          Intrum UK Finance Ltd - I am not sure they have a licence, they appear on companies house, but they don't appear on the FCA register (Unless I am mistaken).
          Again when I search on CCA Register, nothing shows up relating to Intrum UK Finance Ltd - other than saying to Intrum Co's are lapsed or inactive.
          Last edited by Strepsi; 15th September 2018, 00:46.

          Comment


          • Originally posted by Strepsi View Post
            HSBC 950
            June /2007
            Joint Current Account - Overdraft

            So apologies, if a little vague at the outset. I am getting better believe or not at record keeping. I have previously CCA'd this to Moorcroft in October 2016, who advised they are no longer dealing with account (however, I now know that I would have sent the incorrect template anyway).

            Since then...

            Dear Mrs

            I am writing to inform you that the above account has been sold by HSBC to 1st Credit (Finance Ltd) on the ?/10/2016.
            I confirm that the amount outstanding on your account at the time was . 1st Credit (Finance Ltd) have appointed 1st Credit Limited as their servicing agent to manage your account on their behalf.[/COLOR]

            they go on to confirm that 1st Credit (Finance) is now the owner of the account.

            Don't appear to have a hello letter from 1st Credit

            I received loads of get in contact, offer letters, settlement discounts...then.

            March 2018
            "1st Credit is now Intrum""

            Dear Mrs
            From 1st March 2018 our new name "Intrum" will be used in all aspects of our relationship with you regarding your account. We're taking care of everything and so there is no need to do anything.

            April 2018
            Account Assignment - "We are here to help" - (yeah right!!)
            Dear Mrs

            We would like to take this opportunity to introduce Intrum UK Finance Ltd (formerly 1st Credit (Finance Ltd) as the legal owner of the outstanding debt , following the assignment from HSBC Bank in October 2016.


            [I]There has been other letters, all of which have been asking for the wife to contact. It maybe a minor point but shouldn't all the correspondence be addressed to both of us as it is a joint account.


            It's not a minor point

            Intrum should be writing to each of you separately if this is a joint account.

            The fact that they're not might suggest that when HSBC assigned the debt you (Mr) got left behind which could be a good thing if they try to enforce this debt.

            Whatever happens don't tell them!

            Was the Notice of Assignment in your wife's name only?

            Di
            Legal Disclaimer

            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

            Comment


            • 17th September 2018, 12:58
              Originally posted by Strepsi View Post
              HSBC 950
              June /2007
              Joint Current Account - Overdraft

              So apologies, if a little vague at the outset. I am getting better believe or not at record keeping. I have previously CCA'd this to Moorcroft in October 2016, who advised they are no longer dealing with account (however, I now know that I would have sent the incorrect template anyway).

              Since then...

              Dear Mrs

              I am writing to inform you that the above account has been sold by HSBC to 1st Credit (Finance Ltd) on the ?/10/2016.
              I confirm that the amount outstanding on your account at the time was . 1st Credit (Finance Ltd) have appointed 1st Credit Limited as their servicing agent to manage your account on their behalf.[/COLOR]

              they go on to confirm that 1st Credit (Finance) is now the owner of the account.

              Don't appear to have a hello letter from 1st Credit

              I received loads of get in contact, offer letters, settlement discounts...then.

              March 2018
              "1st Credit is now Intrum""

              Dear Mrs
              From 1st March 2018 our new name "Intrum" will be used in all aspects of our relationship with you regarding your account. We're taking care of everything and so there is no need to do anything.

              April 2018
              Account Assignment - "We are here to help" - (yeah right!!)
              Dear Mrs

              We would like to take this opportunity to introduce Intrum UK Finance Ltd (formerly 1st Credit (Finance Ltd) as the legal owner of the outstanding debt , following the assignment from HSBC Bank in October 2016.

              [I]There has been other letters, all of which have been asking for the wife to contact. It maybe a minor point but shouldn't all the correspondence be addressed to both of us as it is a joint account.

              It's not a minor point

              Intrum should be writing to each of you separately if this is a joint account.

              The fact that they're not might suggest that when HSBC assigned the debt you (Mr) got left behind which could be a good thing if they try to enforce this debt.

              Whatever happens don't tell them!

              Was the Notice of Assignment in your wife's name only?

              Di


              Notice of Assignment from HSBC to 1st Credit was in wife's name only, from 1st Credit to Intrum was also in wife's name. I have never received any communication in my name other than when HSBC informed us that Wescott were going to be chasing back in 2016.

              No notice of Assignment in my name.


              Comment

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