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HSBC/NCO & now IND**WON**


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Paul,

 

This is a differant case. This one relates to an overdraft with HSBC that is in dispute over Bank Charges. HSBC sold the account to FV-1 who dipite being informed on numerous occaisions that the account was in dispute went ahead and issued legal proceedings. When I informed HSBC what was going on they decided to buy back my account and anyone elses in dispute that they have sold to FV-1 particularly as I pointed out that my defence was going to be based the unlawfull charges that had been appplied to the account.

 

This letter is NCO stopping the legal action now that FV-1 no longer owns the account.

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To put it simply, i wouldn't sign it under these circumstances. It is clear that their letter states that the account will be "returned back to the original balance" which I assume means they would then be able to start proceedings against you.

 

I would call them and ask them for confirmation that they would not start proceedings again. If they say they will start the proceedings again, refuse to sign the consent order, but inform them that you will not object to an application to change the claimant if they decide to buy the account back.

 

Do they have a signed executed agreement for this account?

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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:D :D :D

 

Just Spoken to Northampton CC, they have confirmed that IND/NCO have writtain to them withdrawing the case - Result!!!

 

Excellent news x

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Have you asked for your costs yet? LOL.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 2 years later...

This has now reared its head again in the form first of DG then, MCS now Moorcroft. Can anyone point me in the direction of templates asking them to prove the account was defaulted correctly and anything else that may throw a spanner in their wheel?

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so these defaults are recent?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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just remember ref the case below

rankines[1].pdf

 

you'll have a very hardtime

nowadays

proving a dn IS invalid.

 

i wouldn't worry too much about the threat-o-grams

 

you are just on a phishing list

 

ignore them

 

dx

 

 

might be better to wait for it to drop off

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

HI I am still receiving letters regarding this overdraft/bank charges now been passed to Moorcroft/Midas. Is a CCA request applicable to bank accounts/overdrafts? or should I re-issue the LBA to HSBC (original one was sent befor the test case started).

 

Any advice appreciated.

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no just phishing letters

ignore

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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