HSBC & Resolvecall

[chitlun]

Hi,

I'm new to this kind of thing...

I've received a letter from HSBC's senior manager of collections advising me of imminent referral to resolvecall unless I contact their 'dedicated' team to find a solution...

I spoke to HSBC regarding my loan repayments at the beginning of this year as I was struggling to meet the repayments. They basically told me 'to whistle...' I had no option other than to cancel the DD. Had a couple of letters regarding defaulting on payments etc which I ignored and now this...

What's the best course of action? Been looking at various posts on the forum but this kind of thing just turns my head into jelly!!!

Thanks in advance

[GANGSHIELD]

Hi,

I'm new to this kind of thing...

I've received a letter from HSBC's senior manager of collections advising me of imminent referral to resolvecall unless I contact their 'dedicated' team to find a solution...

I spoke to HSBC regarding my loan repayments at the beginning of this year as I was struggling to meet the repayments. They basically told me 'to whistle...' I had no option other than to cancel the DD. Had a couple of letters regarding defaulting on payments etc which I ignored and now this...

What's the best course of action? Been looking at various posts on the forum but this kind of thing just turns my head into jelly!!!

Thanks in advance

1. Could go to their HSBC site and top right go to resolution team and fill out a I & E sheet, and send hardship letter etc.

2. Start the 3 letter sytem from on here, copyright your name, (careful they HSBC are ignorant to the fact) get them in Tacit, then go for Estoppel.

3. Or make them an offer - reduced payment attached to a Income & Expenditure sheet, send anything Recorded Delivery.

4. See what others have to suggest then do as what suits you.

[GANGSHIELD]

As far as them telling you to whistle, which is their method regardless of what you say or try to do, they never suggest anything to you to come to an agreement over subject problem.

[chitlun]

I did an I & E with them over the phone and they just weren't interested... I'll have a look at their website and, as you suggest start the 3 letter ball rolling... Do I address it to the CEO of my branch or to the collections team?

Thanks again

[GANGSHIELD]

I did an I & E with them over the phone and they just weren't interested... I'll have a look at their website and, as you suggest start the 3 letter ball rolling... Do I address it to the CEO of my branch or to the collections team?

Thanks again

The CEO at 7 Canada square. = Staurt Gulliver copy to Collection Team or Resolutions Team , put in the same envelope. or even send the copy to Tim Howells - he may get fed up with letters addressed to him personaly,(he forwards them to the correct department usually). in the same envelope as before. FOS says he is their contact with complaints etc.

seeing as you have done a I & E forget that one but keep all records of all communication with them in the past and future, send letter by Recorded Delivery & attach Royal Mail delivery siggy sheet to each individual letter by date and content.

After letter 3 (make it 7 days not 10 by amending the letters to the effect..) any communication charge them the rates, after short time you will have a counterclaim if necessary against them, and if the monies are over £5,00 might pay to copyright your name etc and send User Agreement with letter 2 or 3.

[Nosetackle25]

I am "dealing with" Barclaycard and their alleged debt, and I received a letter and visit from a resolvecall "representative". After the first letter dropped onto their doormat I suddenly received a letter from them saying the matter had been passed back to Barclaycard and they would take no further action. I couldn't stop laughing which was great having been given some quite bad news health-wise the day before. I am now about to deal with Credit Solutions in Surrey in exactly the same way as now Barclaycard have told me they will no longer be contacting me with regard to the matter. Am I winning or am I about to get the shaft

[ceylon]

your holding your own

[Shifty1962]

The fact that the first DCA has returned the alleged debt to Barclaycard after letter1 should tell you that they had not a lot to go on so it will be the same with further DCAs who get ever more desparate and cheap the further down the line you go.

No matter what Barclaycard say about refusing to further contact you ask them for proof of debt including original signed credit agreements etc. by means of the three letters. Just modify the letters so they do not ask for proof of assignment or make reference to third parties etc. and follow the same procedure regarding timescales. You are legally entitled to the requested information proving the alleged debt before you are required to do anything.

Also start the three letters with any further DCAs that may contact you. Credit solutions have had their fingers burnt numerous times and will return the debt to Barclaycard if you stay firm on your position regarding a deed of assignment etc. Then Barclaycard will have to contact you or give it up as a lost cause. You may find that Barclaycard will write off the alleged debt rather than jump through hoops or enter into a tacit agreement then you can sit back and laugh at anything the DCAs send you because how incompetent would they look at any court when you produced the evidence that there was no debt direct from the source of the alleged debt. It is not your job to supply any such evidence to the DCAs as Barclaycard should have done that. Let them waste their time and money chasing a non existant debt.

I have had a recent letter from a DCA called ARC (Europe) Ltd stating that on the direct orders of their client and the fact that I had been less than cooperative regarding their enquiries they would be putting the matter to the courts unless I confirmed the amount outstanding and paid it in full. This all depsite the fact that I had received four days previously a letter from the original company alleging the debt stating that the matter had been closed with no outstanding monies owed. The OFT, the FSA, and the CSA now have copies of the relevant correspondence and the police are currently investigating my allegations against ARC for attempting to extort money with menaces.