Hi Just a gripe about CL Finance.

I currently have 2 accounts with them for a credit card and loan from HSBC with agreements in place to pay off a set amount each month by DD.

Anyway received a letter dated 4 Jan - received 10 Jan stating that I had defaulted on the agreement this month due to them not receiving said DD's

Checked my account and the DD's went out as usual, so phoned the muppets up and got through to a recording stating that due to an error their end these nasties were send out to many of their unfortunate clients and to disregard them.

My gripe is why if the letter was dated the 4 Jan did it take until the 10 Jan to arrive, I have heard of Snail mail but this is bloody ridiculas, and of course the respond by date is 10 days after the date of the letter not the date you receive it.

Also can I claim that these letters caused me undo distress LOL

Cheers

PGH7447

Excellent LOL

PGH7447

Thank You Priority1

That's what I thought, but just wanted to check, I will get it off today and wish them a Very Merry Christmas and an UnProsperous New year

PGH7447

Hi, I agree with Scarlet, I offered MCS a token payment and after a lot of threats and ridiculas demands they finally accpeted what I could afford not what they wanted, this has been in place now for several months with no hassle.

However just received a letter from CL Finance who now claim to be the leagl owners of the said debt, however they said that they would honour the original payment plan, so I will let sleeping dogs lie for the time being.

Good luck

PGH7447

Hi All,

I am currently dealing with Moorcr:o ft over an alledged debt on an HBOS/Sainsbury's Credit Card, while I do not dispute the debt and I am willing to pay towards it, I therefore offered to pay £20 a month towards this debt and forego the usual request for a CCA from this ridiculas company.

Accordingly I made the offer and send an intial payment along with a letter expressing my desire to pay this amount monthly by DD.

They responded by sending me a paying in book and saying they accepted my offer of £50 a month:-x

I ignored this and next month sent a second cheque for £20 as per my original offer.

They then asked me to send proof of income and expenditure, - No way they can whistle for this.

I then recieved a letter yesterday from some other lunatic department with RED lettering all over it saying it was from the Pre Courts division, telling me I am in default by £10 because I only sent £20 - "so they cant count either "

Question is, can I now CCA them even though I had originally offered to pay £20 a month, "that they seem incapable of understanding " or do I just ignore the second letter from the Pre Courts Department LOL.

Thanks in advance for any advice.

PGH7447

Hi I offered them £20 a month but they then sent me a little paying in book for £50 a month which I totally ignored and just sent em a cheque for £20, they then requested a statement of earnings, expenditure etc,

I will eventually get round to it but in my time not theirs and will continue to send them what I can afford not what they want.

Good luck anyway

PGH7447

Hi Ony, I had the same response as you to a CCA from these people, just laughed and put it in the file, they have 1 day left of the 12 then its onto the 30 day period cant wait

Good Luck

PGH7447

It usually means they dont have it and are now contacting the lender for it. standard stuff

PGH7447

Bevo

I settled early but only claimed back illegal charges made against the account, although now you mention it I will look at the settlement figure and see what they charged.

PGH7447

Hi Night Owl

Try this one from Motley Fool

No Perfection In Paragon - 20/11/2007

PGH

HSBC seem to be selling a lot of debts latley, they must be panicking about the sub prime fiasco in the US, shame.

My wife and I both recieved letters from DCA's re 2 HSBC Credit card debts they had alledgedly sold on, sent CCA's off and have heard not a thing, they have until the 23 november to reply so fingers crossed.

So glad that in the news this terrible company is in difficulties due to the Credit crunch.

I had the misfortune to have dealings with this group and my loan spiralled out of control after missing one payment. (£20 for a call even if they did not get through)

I could not get rid of them quick enough, but had great pleasure is relieving them of £900+ in illegal fees when I finally paid them off.

LOL

Ok got letter finally from these people and the full company name is Aktiv Kapital

Seems they bought the debt in August but neglected to tell me

Telephone number of these people 0870 1609545

Cheers

PGH7447

Thanks everyone, I will wait until they write, if they ever do, as for phone calls, they dont have a chance LOL:p

Hi, just received a call from a company calling themselves Active Services saying they are acting on behalf of HSBC Cards Services, now I always thought that MCS were HSBC's pet agency.

Has anybody heard from these people before?

I informed them that I did not recognise them as being from HSBC and they claimed that they had represented HSBC many times.

Cheers in advance

PGH7447.

Speed0121

I would not trust HSBC has far as I could throw them, like you with the Halifax I had several acounts over 20 odd years, first with the Midland as they used to be called then HSBC, however first sign of trouble they plied on the charges and started the harassment

PGH7447

Hi All

My illegal charges with HSBC where refunded months ago, but I recieved a letter last week saying that due to the OFT court action in progress they would be unable to progress my claim any further until a ruling had been made blah blah blah.

Maybe I will get my ilegal charges back twice, now that would be nice.

LOL

PGH7447

PS Starting on MoorCrap now and GE Money now

Thank You, I must admit it was all down to the info provided by this site and the people who have taken time to assist others

BethCharlie - This win was a couple of months ago but I have only just posted this info, because I was waiting on Shabbey to cough up.

Dear All,

Just a short thankyou for all the informative information on here that allowed me to reclaim and win

£2961 from HSBC

£437 from Shabbey

£915 from Paragon

Now starting on BarclayCard and their pet rottwielers Mercers

Once again thanks

PGH7447