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HSBC advice please.
+6
Lopsum
LionsShare
Mrblue2015
assassin
daveiron
Trishiapp28
10 posters
Page 10 of 10
Page 10 of 10 • 1, 2, 3, 4, 5, 6, 7, 8, 9, 10
Re: HSBC advice please.
Trishiapp28 wrote:Biggiebest, I’m now at the point where I have them in tacit agreement, so won’t be responding to them for much longer. All I need from them now is SAR and to answer whether they fraudulently issued that NoA. After that, they are not getting any more responses & they can take me to court for this alleged debt, should they wish to.
I think the reason why they keep going with letter tennis is because they want us to slip up on something. Please don’t give them that opportunity! I’m rooting for you
I have Lowell in tacit but have only sent the solicitor first letter. I had SAR the original bank but not Lowell or ODales. Have I missed something here?
Biggiebest- Not so newb
- Posts : 70
Join date : 2021-09-02
Re: HSBC advice please.
I chose to SAR both, the original creditor and Lowell via Overdales. I SAR’d Lowell because I’m gathering evidence that they committed fraud by impersonating PayPal Credit, amongst other things.
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
daveiron and Biggiebest like this post
Re: HSBC advice please.
Here’s a response from Overdales to my query regarding the suspect Notice of Assignment knocked up by Lowell:
“ in relation to the Notice of Assignment, PayPal have provided a reconstituted copy. You have been provided with a copy of the original from the original creditor, PayPal, when the account was sold and assigned to our client.”
Well, I didn’t. All I received was the dodgy Notice of Assignment purporting to be from PapPal knocked out by Lowell.
They go onto telling me that their client is satisfied the alleged debt has been legally assigned and that failure to contact them with my intentions may result in a Claim form being issued without further notice. Presumably they mean Court claim.
Interesting that they state ‘“failure to make contact” What do they think I’ve been doing all this time?
Oh yes, they also confirmed that my SAR has been raised with the relevant department. Looking forward to seeing it.
I’m not inclined to respond to this letter as I’ve nothing else to say, unless you all good people think I should.
I shall await the court claim to come through and defend it as well as raise Part 18 Request for further information.
“ in relation to the Notice of Assignment, PayPal have provided a reconstituted copy. You have been provided with a copy of the original from the original creditor, PayPal, when the account was sold and assigned to our client.”
Well, I didn’t. All I received was the dodgy Notice of Assignment purporting to be from PapPal knocked out by Lowell.
They go onto telling me that their client is satisfied the alleged debt has been legally assigned and that failure to contact them with my intentions may result in a Claim form being issued without further notice. Presumably they mean Court claim.
Interesting that they state ‘“failure to make contact” What do they think I’ve been doing all this time?
Oh yes, they also confirmed that my SAR has been raised with the relevant department. Looking forward to seeing it.
I’m not inclined to respond to this letter as I’ve nothing else to say, unless you all good people think I should.
I shall await the court claim to come through and defend it as well as raise Part 18 Request for further information.
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
Re: HSBC advice please.
I don't think you need to respond unless/until you get a letter before action.Trishiapp28 wrote:I’m not inclined to respond to this letter as I’ve nothing else to say, unless you all good people think I should.
I shall await the court claim to come through and defend it as well as raise Part 18 Request for further information.
flyingfish- dedicated
- Posts : 870
Join date : 2017-03-22
Trishiapp28 likes this post
Re: HSBC advice please.
there you go 'reconstituted copy' just like i said
now wait for the SAR from PayPal, it won't contain a notice of assignment, these are the things you need but don't go gung ho at this stage keep your cards close to your chest as i did say before, nothing stopping Lowell from realising and requesting PayPal put it right by sending you a copy of the 'original' which won't exist but PayPal could easily create one.
Notice their Client is satisfied and not them ( overdales ) this speaks volumes in itself.
i don't see the need to respond they will do what they want anyway, i think you have already had a letter before claim ?
now wait for the SAR from PayPal, it won't contain a notice of assignment, these are the things you need but don't go gung ho at this stage keep your cards close to your chest as i did say before, nothing stopping Lowell from realising and requesting PayPal put it right by sending you a copy of the 'original' which won't exist but PayPal could easily create one.
Notice their Client is satisfied and not them ( overdales ) this speaks volumes in itself.
i don't see the need to respond they will do what they want anyway, i think you have already had a letter before claim ?
waylander62- dedicated
- Posts : 1262
Join date : 2017-10-03
Trishiapp28 likes this post
Re: HSBC advice please.
Thank you Waylander. I had ‘Notice of Acting’ when Overdales wrote to me to let me know they were instructed by Lowell.
In this notice it says: “ we are instructed to initiate legal proceedings against you unless you pay £ in either a one-off payment or under an agreed payment plan ( there never was a payment plan.)
Followed by: “ if you fail to make payment or contact us to resolve this matter, we are instructed by our client to request that the court issued a County Court Claim against you. If legal proceedings are issued and you do not make payment following receipt of the court papers, or otherwise respond to the Claim, a County Court Judgment may be entered against you. “
Thank you
In this notice it says: “ we are instructed to initiate legal proceedings against you unless you pay £ in either a one-off payment or under an agreed payment plan ( there never was a payment plan.)
Followed by: “ if you fail to make payment or contact us to resolve this matter, we are instructed by our client to request that the court issued a County Court Claim against you. If legal proceedings are issued and you do not make payment following receipt of the court papers, or otherwise respond to the Claim, a County Court Judgment may be entered against you. “
Thank you
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
Re: HSBC advice please.
Having looked at Examples of ‘ Letter before Claim’ this does not appear it
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
Re: HSBC advice please.
no it isn't a letter before claim
the next letter may be a letter before claim, it might be worth responding to that one.
the next letter may be a letter before claim, it might be worth responding to that one.
waylander62- dedicated
- Posts : 1262
Join date : 2017-10-03
Mrblue2015 and Trishiapp28 like this post
Re: HSBC advice please.
Thank you Waylander, I will 100% respond to it.
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
Re: HSBC advice please.
It’s been over a month since my DSAR to PayPal and month since same to Overdales, no response from either. I’m now going to lodge an ICO complaint for both.
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
Biggiebest likes this post
Re: HSBC advice please.
Keep going Trish. Fight the good fight.
In my humble opinion, they are not going anywhere with this but trying to scare you into making payment.
My own experience with HSBC was they sell on the alleged debt. Fingers x.
In my humble opinion, they are not going anywhere with this but trying to scare you into making payment.
My own experience with HSBC was they sell on the alleged debt. Fingers x.
Biggiebest- Not so newb
- Posts : 70
Join date : 2021-09-02
Trishiapp28 likes this post
Re: HSBC advice please.
Trishiapp28 wrote:It’s been over a month since my DSAR to PayPal and month since same to Overdales, no response from either. I’m now going to lodge an ICO complaint for both.
it is 13 months now since my DSAR to paypal lol, i haven't yet bothered to complain as lowell are still sending standard bullsh*t letters out, when they decide to ramp it up a bit i will do the same ( not my 'debt' personally though )
in my experience the ICO will probably have a backlog and wont do much initially, however if you get a LBA from overdales then pressure the ICO into action.
as a matter of interest what address did you use for paypal ? this is my first time dealing with one of their accounts.
waylander62- dedicated
- Posts : 1262
Join date : 2017-10-03
Re: HSBC advice please.
Morning Waylander and thank you for your response.
I checked and the registered UK office for them is: PayPay Credit, Whittaker House, Whittaker Avenue, Richmond-upon-Thames, Surrey, TW9 1EH.
Wishing you a great day.
I checked and the registered UK office for them is: PayPay Credit, Whittaker House, Whittaker Avenue, Richmond-upon-Thames, Surrey, TW9 1EH.
Wishing you a great day.
Trishiapp28- news worthy
- Posts : 118
Join date : 2019-12-27
Age : 47
Location : UK
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