HSBC have been chasing me for a debt for some time which they passed to westcot.
I sent wescot a CCA request which they didnt respond to within the 12 day period. They then wrote to me stating the file had been passed back to the client and that I would hear no more from them.
HSBC have now passed the file to H L Legal solictiors who have sent me notification of court action to obtain a ccj against me.
As they are yet to respond to the CCA request can they do anything? I have downloaded a couple of template letters from here, the one to a solicitors after a cca has been ignored and the one where it has been passed on to another dca.
What letter should I send them as I made the cca request to westcot. Do I need to send another cca direct to HSBC or H L Legal?
really not sure what to do now. any help would be great.
Many Thanks,
John.