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Moon phases


HSBC Making a Payment of £50 to me

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HSBC Making a Payment of £50 to me Empty HSBC Making a Payment of £50 to me

Post by twmsioncati Thu Jan 14, 2021 8:14 pm

Helo bobl
Mid November I received a letter from HSBC stating that ....We have reviewed the quality of service that you received by our Collections and / or Recoveries team and we've identified that it did not meet the standard we would expect . We're therefore making a payment to you of £50 to compensate for the experience . What you need to do is simply bank the cheque .

This debt was for an overdraft of £14 k
Thanks to GOODF and the 3 letter process it has been passed around through the likes of Metropolitan Debt Collection , DG Solicitors , and finally Wescot .
I have not had any contact with the bank o'r collectors since Jan 2017 . The dispute started 18 of October 2013 with Metropolitan passing on the debt to Dg Solicitors i December 2013 .
I sent the first letter on 30/11/2013 .
I believe therefore that the debt is statute barred as at least 6 years have elapsed since I acknowledged the so called debt ? Am I correct in stating this ?
Is this a new ploy by the banks to get me to acknowledge the debt by accepting their money and therefore re seting the statute bared process .
Diolch / Thank You

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Post by Mrblue2015 Thu Jan 14, 2021 8:28 pm

Yep a friend of mine told me that she had received the exact same letter recently from HSBC. I told her not to bank the cheque and I would advise you to do the same. As you’ve rightly suspected (well done!) it’s a scam to get you to acknowledge the debt...

Either that, or there’s some weird admin issue going on at HSBC! Perhaps it’s their way of laundering money (again!) Wink

On a more serious note, I am wondering if the debt purchases are working with the banks (via this scam) to in turn help the debt purchasers chase payment. What I mean by this is perhaps the debt purchaser has failed this far to get the alleged debtors to pay up. As such, by working with the banks using this cheque scam, it will help support the case for debt purchasers to try and get you to pay up again, as they’ll be able to say “well you cashed a cheque according to the original creditor which demonstrates that you you acknowledge the account - eg loan or credit card - DID in fact exist”!

Hmm... Proceed with caution as they say...


Last edited by Mrblue2015 on Thu Jan 14, 2021 8:38 pm; edited 4 times in total
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Post by Mrblue2015 Thu Jan 14, 2021 8:29 pm

Have you ever made so much a payment of a penny towards this alleged debt (ie one of those debt management plans etc)?

Have you ever stated or given the impression, in writing, that you acknowledge the alleged debt?

If the answer is “no” to both of the above, and if this had never gone to court, then yes it will be statute barred by now but check your credit report to be sure.

Also was this really and OVERDRAFT for £14K? Most overdrafts you’ll be lucky to be offered £500!
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Post by twmsioncati Fri Jan 15, 2021 5:27 pm

Thank you for the reply . I believe it was an overdraft . I was building a house at the time and needed the funds to complete the project . I informed them that a sale was imminent , which it was but fell through leaving me in debt which I could not re pay . I was paying the interest on the loan , but HSBC without warning passed the debt to Metropolitan . They agreed that I had to pay a small amount of money back each month , which I did until they started getting greedy and demanding that I pay more almost on a monthly basis . That is when I discovered Get Out Of Debt Free . Org . I immediately stopped paying and Metropolitan forwarded my debt to DG Solicitors . I sent them the first letter in December 2013 and have not been to court over these outstanding moneys .

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Post by assassin Sat Jan 16, 2021 7:12 am

Spot on Mr Blue it is to stop the clock ticking and to show the account is being used, once you bank any cheque in relation to this matter it is classed as a transaction and an acknowledgement of the debt as the bank merely state it was issued in relation to this debt.

One thing you have forgotten, has the OP moved bank accounts? weigh up the options carefully here, they may have moved banks, set up an account in anothers name, oir simply use a spouses account instead; in either case they issue a "marked" cheque which passes through the system. OP pays it into whichever account, that account sends it for cashing and they reverse engineer it, cashing account sees which account submitted it and knows the OP's new account and its details, or, they know which other account he is now using which isn't in his name.

Basically they are creating a paper trail which they can follow backwards.
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Post by Mrblue2015 Sat Jan 16, 2021 8:25 am

Thanks for the additional info twmsioncati.

So you had indeed acknowledge the alleged debt given your payments to Metropolitan. As such, the statute barred ‘click’ would have reset in afraid.

Aside from the cheque letter from HSBC (clearly this is a scam now - as if this b*stard of a bank could stoop any lower, now in cahoots with a debt purchaser LONG AFTER having sold the alleged debt no doubt WITHOUT the right paper work!), who are you currently dealing with / who is chasing you? Are they a debt purchaser or simply a debt collection agent (DCA)?
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Post by twmsioncati Sat Jan 16, 2021 11:38 pm

Thank you for the reply Mr Blue . No one is chasing me since 2017 . and I have not given them any money since Metropolitan transferred the matter to DG Solicitors . I did not acknowledge the debt with DG and I sent them the three letters plus the other 2 . They then passed the debt to Wescot and I resumed the three letter process with them plus the final 2 letters . There is over 7 years since I defaulted on any payment to Metropolitan and I am surprised that you say that it is not statute barred because I made payments to Metropolitan over 7 years ago .

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Post by Mrblue2015 Sun Jan 17, 2021 8:25 am

No problem. Can you tell me the date (just month and year is fine) that you last made a payment towards the alleged debt. It is not explicitly clear in any of your posts, apologies as I should have asked for the month / date before.

And IF this month / year is over 6 years ago, then check your credit file as the HSBC account should now no longer appear as it would be statute barred.

Once you have evidence that the account is statute barred, the alleged debt is no longer legally enforceable. You might still get a letter in the future from a debt collector etc but, with this evidence, they are very unlikely to chase you thereafter as they’ll know they can never take you to court.
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Post by twmsioncati Fri Feb 19, 2021 7:24 pm

Thank you Mr Blue , I have checked with Credit Monitor moneysupermarket if that will suffice . I only have one county court judgement and that is " satisfied " .
Nothing else . I have a score of 460 out of 700 and something . The last payment of the alleged debt was way back in 2013 , HSBC sold the debt to Arrow Global Limited on the 29 August 2014 . Before that date Wescot had been chasing me and before them DGsolicitors and before them Metropolitan . My last payment was in June 2012 . Metropolitan were putting pressure on me to increase the payments on the personal loan of £14k and I eventually stumbled across GOODF.org and started the 3 letter process . I hope that it is statute barred as I have not acknowledged nor made any payments since august 2012 . Diolch / Thank you

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Post by twmsioncati Fri Feb 19, 2021 7:25 pm

since August 2012

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Post by Mrblue2015 Fri Feb 19, 2021 7:41 pm

Well if the account is no longer in your credit file then that's it, it's 'fallen off' as in Statute Barred Smile
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Post by twmsioncati Thu Feb 25, 2021 11:17 am

Thank you Mr Blue . Maybe this post should be placed in the success stories .

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Post by Mrblue2015 Thu Feb 25, 2021 12:13 pm

You're welcome. We use the 'Success Stories' section only for posts where people have won via the GOODF process Smile
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Post by twmsioncati Tue Mar 02, 2021 9:19 pm

Crikey , I had debt collectors galore chasing me , used the three letter process , to get rid of them all , but you state that it is not a GOODF process . Well I'll be dammed . Wel I can state that GOODF did the work on my behalf and solved most of my debt problems , this one in particular

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Post by Mrblue2015 Tue Mar 02, 2021 10:34 pm

Where did I state (and what did I state) that "it is not the GOODF process"? Be careful not to mis-quote people Wink


Last edited by Mrblue2015 on Tue Mar 02, 2021 10:40 pm; edited 1 time in total
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Post by Mrblue2015 Tue Mar 02, 2021 10:38 pm

(In the meantime I have moved your post to 'Success Stories')
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Post by twmsioncati Fri Mar 05, 2021 7:07 pm

Very sorry for the misunderstanding Mr Blue , I presumed that you were saying that I had not used the three letter process up to the Estople . Had followed this rule with the lot and am very grateful for all the help I received on the way with this and several other so called debts with numerous other debt collectors most of which are now either 6 years statute barred or aproaching 6 years . Diolch / Thank you

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Post by Mrblue2015 Fri Mar 05, 2021 9:21 pm

Well there you go, presuming and stating are different things Smile But not to worry. just a misunderstanding.

And well done again. Once the remaining ones are statute barred you can fully celebrate.
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Post by twmsioncati Tue Apr 06, 2021 8:08 pm

Sumai / Hello ,
I have today received another letter from HSBC stating .....
We've reviewed the quality of srervice that you received by our Collections and / or Recoveries team and we've identified that it did not meet the standard we would expect ( of course not , the standard they expected was for me to cough up ) . We're therefore making a payment to you to compensate for the experience .
This time the sum is £25
WHAT YOU NEED TO DO ( in bold type
Simply bank the cheque .
The reference number does not tally with the previous offering of £50 in November 2020 .
Beware as I believe this is a ploy from the bank because the so called debt is now Statute Bared . I presume that if I cash this cheque then the hounds will be back .

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Post by daveiron Tue Apr 06, 2021 8:14 pm

Personally i would not chance it. these bast*rds are only interested
in extorting from you. why would they be giving it away.


Last edited by assassin on Fri Apr 09, 2021 1:46 am; edited 1 time in total (Reason for editing : Language)
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Post by Lopsum Tue Apr 06, 2021 8:18 pm

Indeed it would be wrong to collect this cheque for a service you didn't receive.
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Post by Mrblue2015 Tue Apr 06, 2021 8:25 pm

Back to this post again for the answer / approach to take:

assassin wrote:Spot on Mr Blue it [conning you into cashing the cheque] is to stop the [statute barred] clock ticking and to show the account is being used, once you bank any cheque in relation to this matter it is classed as a transaction and an acknowledgement of the debt as the bank merely state it was issued in relation to this debt.
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Post by Mrblue2015 Tue Apr 06, 2021 8:33 pm

HSBC REALLY ARE full of sh*t, the lowest of the low, stooping to these new depths now - a new 'tactic' - to support their buddies who are the debt purchasing mugs who ignorantly buy HSBC 'alleged debts' by the 1000s and in bulk - and mostly in terms of a huge spreadsheet of names, account numbers and the odd statements!

And banks wonder why they get a bad name! Jeez, it's not rocket science to see why!


Last edited by assassin on Fri Apr 09, 2021 1:44 am; edited 1 time in total (Reason for editing : Language Again)
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