Cabot letter RE HSBC Loan

[dx100uk]

pers I'd await the sar return.

 

however WHEN did you take this loan out..

 

was it 2003

or

was it 2009

 

do you remember.

[dx100uk]

id a wait the sar but I doubt that's relevant

be very careful about those kinds of sites

they are only out to make money

 

 

dx

[dx100uk]

well find the thread with that link I cant.

be very careful of those sites that offer to wipe debt out

dx

[dx100uk]

no it doesn't say that READ IT PROPERLY

 

doesn't say WILL anywhere.

 

no you don't send anything

[dx100uk]

so you moved and did not inform poss owners of poss debts that you had?

 

dx

[dx100uk]

because you run the risk of backdoor CCJ's

whomever is the owner of a debt that you might have paid to or used within 7yrs of moving

you should ALWAYS write to them informing them of your new address.

 

that's why you have the current letter

it's a phishing attempt to see if you reply

if you don't , they'll start a court claim using the last legally notified address

and the 1st you'll know about it is an alert from your credit file

or bailiffs at your door.

 

send them our SB letter from the debt collection section of our library.

 

 

[dx100uk]

just type ..no need to keep hitting quote..we know w hat we've said.

 

...and who's going to tell the court or who at the court is going to check it's enforceable?

it will be a roboclaim whereby no human see's or checks anything.

 

some 750'000 are issued every year.

85% go undefended and result in CCJ's

 

you've been here 8yrs now and should know these things.

 

 

[dx100uk]

why is it resetting SB?

where are you getting all these silly notions from?

 

seems like you've been reading elsewhere 

[dx100uk]

once a debt is sb'd nothing can reset that, not even a judge.

 

dx

[dx100uk]

no payment or the defaulted date+14 days whichever is the more recent.

 

dx

 

[dx100uk]

if you read back in this thread to the 1st few posts you'll see a mentioned of thing called a managed loan

these were famous in HSBC land.

 

off their own back, and quite typically without any knowledge of the customer, HSBC would l lump all debt together, card, loan, OD and dump it in the current account as a mass unrequested OD. then a few months later sign the customer upto a new loan of the whole OD amount.

 

sometimes they did it in a different order, but that's the basics. very well known about here.

 

then lo and behold, they'd sell it on to a debt buyer/DCA.

they were a DCA's dream ticket, as they could use a variety  of account numbers to mug the same person if one number failed.

often it's been found the same sum existed under differing numbers with differing DCA's, but the mug was paying all of them.

 

a CCA/SAR or whatever letter sent cannot reset any SB date, it's nothing to do with SB. They are a legal request and it is not necessary to inc a line stating no debt acknowledgement etc.

 

as for credit files and whatever number has been used for the account, the fact that one part of the mess/debacle has been defaulted years ago and has now reached it's 6th birthday so the whole account gets removed, encompasses all numbers, so no it cant comeback on your file.

 

send the SB letter.

 

dx

 

[dx100uk]

who said to ever use email to a dca.....

 

dx

[dx100uk]

email doesn't count and you don't need the letter to be anon

 

send them our SB letter from the debt collection section of our library.  using royal mail 1st class and free proof of posting.

 

 

 

 

[dx100uk]

wont be accepted as sent legally.

 

dx

[dx100uk]

well what can they do anyway??

[dx100uk]

well 71 post in and 8yrs on CAG and...you still don't seen to understand …….

 

a dca is not a bailiff

and have

zero legal powers on any debt.

 

 

[dx100uk]

well to some extent it would help if you operated the self help side of CAG too and read a few like threads here..

I cant reliably see you've viewed any other threads since 2016...?

mental health issues are not an excuse not to help yourself neither to stand up for yourself, which you appear to be quite capable of.

 

cabot know your correct address,

so there is no worry of anything backdoor or otherwise.

and in almost 5yrs now, they've done nowt but willy wave.

 

if someone owned you money, your recourse is via the small claim court

and that is the only route a dca has they have exactly the same powers as you or i.

 

 

 

[dx100uk]

a cca is a legal request BT , it can't ever reset anything.

it's seriously a lot better to take things out on us than worry needlessly about these fleecers.

its what we are here for and one of the tools i use here quite often is my last few posts.

 

might seem unfair to some, but I too live with someone not a million miles removed from your history, but they are lucky to have people live with them...

 

dx

 

 

 

[dx100uk]

we grind them down not you.

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, whole DCA industry would collapse overnight.

 

dx