Cabot chasing HSBC OD - all fees

[dx100uk]

slightly retitled and moved to HSBC forum.

1st things 1st

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers

 

never ever ring a DCA..

 

if the balance is charges etc

which are unlawful anyway....i'd let cabot do their worst and issue a court claim.

 

you could if you wish WRITE to them

clearly stating along the lines of:

 

Any alleged amount claimed could only consist in the main of default penalties/charges levied on the account for alleged late, rejected or over limit payments.

The court will be aware that these charge types and the recoverability thereof have been judicially declared to be susceptible to assessments of fairness under the Unfair Terms in Consumer Contracts Regulations 1999 The Office of Fair Trading v Abbey National PLC and others (2009).

 

I will contend at trial that such charges are unfair in their entirety.

[dx100uk]

no

HSBC closed it on their books

and sold it on to a fleecing debt buyer

[dx100uk]

whats an SC?

 

threads merged please keep to one thread

[dx100uk]

unless theres a CCJ it shouldnt hurt you no.

 

when did you go bandy on the od?

[dx100uk]

doesn't matter who lists it as long as the dca/debt buyer doesn't alter the defaulted date filed by the original creditor.

[dx100uk]

dca didnt jack it up.

only the oc can add anything.

[dx100uk]

to whom?

[dx100uk]

why have you got to say anything.

its a default not a CCJ.

 

the balance is most probably all unlawful interest on unlawful OD charges vicious circle that HSBC levied anyway

and this can be disputed with them directly.

 

a dca certainly is not going to get anything much if anything out of you even in court.

[dx100uk]

nope load of ole twaddle.!!

 

discount letter..begging

[dx100uk]

i thought we recommended not to do anything until/unless you got a letter of claim?

 

an OD default wont harm even a prime lender giving you a mortgage in this current climate.

 

did you have any other credit with HSBC?

 

[dx100uk]

On 06/09/2018 at 19:41, iamgnome said:

I went to live abroad for some time in 2015 and I'm back now.

I was sure before I left that my UK HSBC account was at 0 but it wasn't due to some overdraft that I gone into without knowing which later led to the account being closed.

I just received a letter from Cabot today saying that I owe them a balance of £1347.86.

 

I spoke to HSBC earlier in 2017 and they said to me that the account in question was closed and that I owed something in the region of £200 due to overdraft.

 

how can an A/C you didn't use because you were abroad go from £200 to £1300!!

nothing to do with you....

[dx100uk]

you havent answered my question...

[dx100uk]

19 minutes ago, dx100uk said:

 

how can an A/C you didn't use because you were abroad go from £200 to £1300

 

 

[dx100uk]

Just type no need to keep hitting quote.

 

Are these statements on hsbc headed paper or via cabots printout from their debt software

 

maybe send hsbc an sar get things directly?

 

so you did make withdrawal s after you moved abroad, in your 1st few posts you said no.

 

Let cabot sweat for now, they wouldn't be offering discounts if it is a true balance anyway.

 

Whats the defaulted date

[dx100uk]

hold on then

get an sar off.

 

dx

[dx100uk]

there are no enforceability issues with OD's, as their is no agreement under the consumer credit act....

[dx100uk]

you don't need a defence

 

they've not even issued a letter of claim yet.

 

and i seriously doubt/hope you didn't run up £1300 when you stated you never used if after moving abroad. this mean cash withdrawals

[dx100uk]

hsbc statements will reveal the truth.

 

[dx100uk]

plenty od claimform threads here

we've not lost many.

 

 

[dx100uk]

chase HSBC

[dx100uk]

they must

 

responding to an SAR is a legal requirement. they had 30days if you read what you sent them..

 

 

[dx100uk]

where did you send it ,,,go ring them and ask it was signed for so should have been actioned...

[dx100uk]

yours is not the next move, never enter pointless letter tennis with a powerless dCA.

 

 

[dx100uk]

ofcourse you can ring and chase regardless to not being an active customer

what address did you send the SAR too?

 

 

[dx100uk]

hsbc uk site says under sar:

 

You can exercise your rights by contacting our Data Protection Officer,  P.O. Box 6201, Coventry CV3 9HW addressed ‘for the attention of the DPO’.