Start of my diary

[Strepsi]

Did you send the no caller letter before?

Just a plea - if they do turn up please just be polite. It’s not a job I would choose but we all need to earn a living.

I haven't sent a no call later. I am always polite.

[Warwick65]

I haven't sent a no call later. I am always polite.

The polite bit was more for other readers- some people incite rudeness which for someone earning a living I think is unfair. Doesn’t matter what I personally think of their ethics - unless they are Tory politicians ?

[Strepsi]

The polite bit was more for other readers- some people incite rudeness which for someone earning a living I think is unfair. Doesn’t matter what I personally think of their ethics - unless they are Tory politicians ?

Originally posted by Warwick65 View Post
Did you send the no caller letter before?

Is there a letter, I may try it.

[The Tech Clerk]

Harassment & Threat of Doorstep-Visit Note:- top of thread states templates, many you may need or advised may will be in there!

Take note:- many a DCA etc see that by receiving letters in some cases is interpreted as a weakness by people and encourages to them try and apply pressure knowing that they are panicking? just my observation, above door step comments by people to just shut the door and ignore the begging card surfices!

[Roger]

Harassment & Threat of Doorstep-Visit Note:- top of thread states templates, many you may need or advised may will be in there!

Take note:- many a DCA etc see that by receiving letters in some cases is interpreted as a weakness by people and encourages to them try and apply pressure knowing that they are panicking? just my observation, above door step comments by people to just shut the door and ignore the begging card surfices!

Silence is the best response and with scams ten a penny at the moment put a No Hawkers/Circulars/Sales sign up at your door and point to that as you quietly close the door!!

[Strepsi]

Silence is the best response and with scams ten a penny at the moment put a No Hawkers/Circulars/Sales sign up at your door and point to that as you quietly close the door!!

I was wondering what the best way to deal with them was?

I personally aren't that bothered about a knock at the door, it's more my kids witnessing something unnecessary.

[Timewilltell]

Remember it’s your house/home so you dictate the conversation and the manner in which it is expressed. If you feel that they are intimidating then tell them so and end the ordeal by closing the door. Do not get into any meaningful conversation regard the reason they are there. Admit to nothing, tell them you would love to chat but you are rather busy. Thank them for coming and can they close the gate on the way out.

[Warwick65]

I am a real fan of that harassment letter. I’ve sent it a lot in the past and it almost always worked. On top of that you add to your paper trail. The only people who tried to pretend it didn’t apply to them was Motormile finance and they made Boris look organised.

[PlanB]

Is there a letter, I may try it.

Yes there is a template letter and there's a link to it in post #763 on this thread Harassment & Threat of Doorstep-Visit It's worked wonders for loads of forum members over the years.

I agree with Warwick that it's good to lay a paper trail especially as some forum members have recently been experiencing more than one visit for the same debt which could be seen as harassment (which has to occur twice in order to be considered unlawful).

The 'field agents' are typically paid on results so can be pushy, however I doubt the children will know who the caller is or why they've called.

Can I just check whether this debt is due to go statute barred soon so you know how to handle things if they do turn up? (sorry I haven't read back through your whole thread)

Di

[Strepsi]

Yes there is a template letter and there's a link to it in post #763 on this thread Harassment & Threat of Doorstep-Visit It's worked wonders for loads of forum members over the years.

I agree with Warwick that it's good to lay a paper trail especially as some forum members have recently been experiencing more than one visit for the same debt which could be seen as harassment (which has to occur twice in order to be considered unlawful).

The 'field agents' are typically paid on results so can be pushy, however I doubt the children will know who the caller is or why they've called.

Can I just check whether this debt is due to go statute barred soon so you know how to handle things if they do turn up? (sorry I haven't read back through your whole thread)

Di

Hi,

I haven't sent letter as yet, letter will be sent to both parties tomorrow.

The debt is due to SB'd next year, I cca'd in 2016 had a signature as proof of delivery, as yet they still haven't acknowledged that request.

[Warwick65]

Hi,

I haven't sent letter as yet, letter will be sent to both parties tomorrow.

The debt is due to SB'd next year, I cca'd in 2016 had a signature as proof of delivery, as yet they still haven't acknowledged that request.

That is great news - you are on that home straight so now is the time to keep your eye on the ball and use delaying tactics where possible (I am literally counting down the days on one that is probably SB but will definitely be in 3 weeks time- I must keep going home to check my post ).

[Strepsi]

1st November 2018, 13:53
Originally posted by Strepsi View Post

• 19th April 2017, 22:48Re: Start of my diary
  
  Hsbc
• Flexi loan /05/2006
• 4800
  
  This one has always perplexed me, I have CCA'd Moorcroft but they returned my postal order as they were no longer dealing with it.
  
  15th June 2016
  Wescot is a specialist debt collection agency and we have been instructed by our client HSBC to make contact with you to discuss the outstanding balance on this account and the repayment options available based on your personal circumstances...
  
  25th June 2016
  Our enquiries have confirmed that you are resident at the address above but we have not yet had contact from you...
  
  5th July 4
• 0% Reduced Settlement Offer
  We have written to you on several occasions asking you to contact us about this account however to date we have not received a response. In an attempt to close this matter our client has agreed we can offer you a 40% discount to settle your account...

• 8th October 2018, 15:32Originally posted by Strepsi View Post
  
  I have never sent a CCA request for this as, I aren't entirely sure what it would be classed as. It was a loan for a certain amount say £5000, you had to make a minimum payment each month (which was £200), we paid it off a few times but the facility was always there, so when needed we would use again.
  
  This morning received letter from Capquest advising that they will instruct 'resolvecall' to reconnect, if we don't reply by the 20th of this month.
  
  Cheers
  it is known as a "revolving credit account", so as long as your CCA request asks for the agreement under s77-79 it is covered under that,
  
  quote
  "I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974)"
  
  this is where Arrow make the mistake of thinking it is an overdraft so they don't send for the agreement, but try and get round it by telling you it is an overdraft so not covered by the CCA act,
  
  Pop a request for one off to Capquest, with a short line at the bottom saying you do not give permission for anyone to call at your property , nothing of a personal matter will be discussed on your door step.

13th October

• Received postal order from Arrow (Capquest), along with compliment slip advising that postal order's no longer required for CCA requests.

Letter received from Capquest today

thank you for your recent correspondence.

we write to confirm your request for your CCA has been forwarded and we await receipt of copy documentation from the originating creditor.

upon receipt of the relevant information, the same will be forwarded with immediate effect. We have returned your postal order under separate cover as there is no charge for your request.

your account will be on hold pending the documentation.
Capquest

Received a massive pack of statements and General Terms and Conditions (Current Account Terms and Saving Accounts).

Is there anything else that I should have received?

November 2018

Just received letter from Capquest

We're still dealing with your query

We're still looking into your query and waiting for HSBC for response. We're sorry for the delay and thank you for your patience.

We'll keep you updated and let you know when we've had a response.

Two things, I think I have received requested info and second I still have no idea what I need to be seeing or not seeing.

I have sent Niddy email a few weeks ago, not had a reply as yet. Appreciate he may get loads of email.

All assistance appreciated.

Quick update:

Received Letter of claim received from Drydens Solicitors

[PlanB]

Quick update:

Received Letter of claim received from Drydens Solicitors

Did you re-send Niddy the documents you received in response to your CCA Request in 2018? At the time you posted that he hadn't replied to your email to him so perhaps he didn't receive it.

Your post suggests it was just a pile of statements and Ts & Cs for various accounts but not (necessarily) a compliant credit agreement for the HSBC Flexiloan from 2006.

From memory these were loans which had a cheque book so you could draw down 'as and when' or something like that.

Di

[Strepsi]

Did you re-send Niddy the documents you received in response to your CCA Request in 2018? At the time you posted that he hadn't replied to your email to him so perhaps he didn't receive it.

Your post suggests it was just a pile of statements and Ts & Cs for various accounts but not (necessarily) a compliant credit agreement for the HSBC Flexiloan from 2006.

From memory these were loans which had a cheque book so you could draw down 'as and when' or something like that.

Di

Hi,

I can't remember sending anything to Niddy.

Anyway, the information I received was just statements and generalised Terms. For example I received the exact same for my current account.

You are right they were loans of set up amount that you could or drawn on if you had availability, however I never had cheque book.

I have just dug out my correspondence, I think one of the last things that I received from Capquest was, they would send further information when they had it.

[PlanB]

the information I received was just statements and generalised Terms.

I have just dug out my correspondence, I think one of the last things that I received from Capquest was, they would send further information when they had it.

I'm guessing that Capquest never sent you the "further information"? This may/may not mean that Arrow has not complied with your CCA Request.

The decision you need to make is whether you want to respond/reply to the Letter of Claim stating you dispute the debt (tick Box D etc) to stall things and/or 'throw a cat among the pigeons' so they back off, or whether you want to ignore and 'tough it out' through litigation if they subsequently issue legal proceedings.

You have enough time to consider your options and/or whether sending a new/another CCA Request to Drydens Solicitors will help your situation.

I'll take a look back through the history of this debt to help you decide what your next step should be.

Di