Re: HSBC advice please.

by **Mrblue2015** Mon Jan 10, 2022 5:06 pm

Agreed with the points made by DaveIron and Assassin.

(And a happy new year to you too)

by Trishiapp28 Mon Jan 10, 2022 5:19 pm

Thank you very much assassin for your kind/ knowledgeable reply.

The only reason why they have my email address is because, when I opened the account, I stipulated how I can be contacted, and provided them with my email address.

If I request communication only in writing, per daveiron’s advice, they will need to comply, right?

by Trishiapp28 Mon Jan 10, 2022 5:25 pm

Just to add, I already requested communication in writing only in my SAR request letter. This was clearly ignored.

by **Mrblue2015** Mon Jan 10, 2022 6:02 pm

Trishiapp28 wrote:Thank you very much assassin for your kind/ knowledgeable reply.

The only reason why they have my email address is because, when I opened the account, I stipulated how I can be contacted, and provided them with my email address.

If I request communication only in writing, per daveiron’s advice, they will need to comply, right?

Yes they must comply with respect to DaveIron’s letter. And ensure that, going forward, all and any of your comms are only ever in writing and never via any other medium whatsoever (call, SMS, live chat, email etc).

by **Mrblue2015** Mon Jan 10, 2022 6:04 pm

Trishiapp28 wrote:Just to add, I already requested communication in writing only in my SAR request letter. This was clearly ignored.

I’m sure you did. You’ll find that left hand doesn’t know what the right hand is doing when it comes to banks, debt companies etc. But that’s OK, as more often than not, their failings fall into our hands as opportunities…

by **assassin** Tue Jan 11, 2022 3:46 am

Trishiapp28 wrote:Thank you very much assassin for your kind/ knowledgeable reply.

The only reason why they have my email address is because, when I opened the account, I stipulated how I can be contacted, and provided them with my email address.

If I request communication only in writing, per daveiron’s advice, they will need to comply, right?

Yes, they have to comply with your wishes and if you tell them to contact you by letter only and not by E mail as you have changed it and you do not give it out anymore, or that you have not now got any internet access then they have to comply with your wishes as you are the customer, if they contact you and you open and print their E mails they have you through consent by action.

I would also state that you require all paperwork signed by the individual responsible with either a wet ink or digital signature with their name printed underneath so you know who is liable for this alleged claim then they have to comply with this also, once you have done this and nobody signs their paperwork you then have evidence of HSBC's fraudulent actions and this strengthens your case and detracts from theirs and if it does go to any court you highlight their fraud and they lose.
You never use the work "person" as this is a legal fiction.

by **assassin** Tue Jan 11, 2022 3:55 am

Trish, think of this as a see saw and the first one to touch the ground wins, if they ignore your correspondence (as they have) and they are part way to touching the ground; what you are doing is moving their weights back to your side piece by piece and raising them and lowering your side towards the ground.All debt is obtained fraudulently and they hope to play on your ignorance, hit them back and like any bully they recoil, hit them hard enough and they fall, repeatedly hit them and wear them down and they concede on cost grounds alone.

Ask yourself a simple question??? would you spend £10.000 to recover a £5.000 alleged debt; of course not because its bad business.

by Trishiapp28 Tue Jan 11, 2022 5:39 am

assassin wrote:Trish, think of this as a see saw and the first one to touch the ground wins, if they ignore your correspondence (as they have) and they are part way to touching the ground; what you are doing is moving their weights back to your side piece by piece and raising them and lowering your side towards the ground.All debt is obtained fraudulently and they hope to play on your ignorance, hit them back and like any bully they recoil, hit them hard enough and they fall, repeatedly hit them and wear them down and they concede on cost grounds alone.

Ask yourself a simple question??? would you spend £10.000 to recover a £5.000 alleged debt; of course not because its bad business.

Brilliant, just brilliant. Thank you so much assassin for such simple, yet powerful explanation.

I am going to send them cease and deceased letter today and will include a request to have a named signature in ink under each of their communications.

As a side note, since I stopped repaying the alleged debt, the quality of my life improved immensely. Despite the initial fear I felt re: debt collection etc… ( that fear is no longer there) I am now able to sleep at night knowing that I can afford to pay my heating bill each month. I still live frugally, but no longer worry about actually surviving from day to day.

Regardless of the outcome, I feel deep gratitude to all you good people for lending me a helping hand when I most needed it. Thank you from the bottom of my heart.

by **Mrblue2015** Tue Jan 11, 2022 7:33 am

That’s great news Trish, long may that lack of fear and well being continue.

And you’re welcome. Helping the likes of you battle these low lives, and therefore living without fear (which in turn could impact your loved ones etc) is very rewarding for us too.

by Trishiapp28 Mon Mar 21, 2022 2:06 pm

Hello everyone. Hope my message finds you all well and healthy.

I have an update on my situation…

So, I’ve never received a default notice from HSBC but ‘ arrears notices’ times three. I have sent them the first letter and sending the second one this Friday. Followed by the third one thereafter as per schedule.

In the meantime, just received a letter from them informing me that they are passing the alleged debt onto Mooncroft debt recovery and that they will be in contact within next 14days. I am a bit surprised that they sold off the alleged debt so quickly without even sending me a default notice! Presumably once they contact me, I start the process again, but with the debt agency specific letters?

Thank you very much in advance.

by **daveiron** Mon Mar 21, 2022 2:42 pm

Moorcroft are only collectors ,its still with HSBC.
Am i correct that the CEO (or who ever you sent the Notice to) has
not responded ? This seems to be a tactic to deflect you.
Treat this as a seperate issue and just inform them you are dealing
with this privately with the CEO. Send notice 2 when ready
You can if you wish send this to Moorcroft if you wish after their first
contact ;https://goodf.forumotion.com/t5505-solicitors-debt-collectors
any further mail from them just wright across the envelope at a 45 degree
angle :
Return to sender
Returned for cause
Without dishonour
No lawful consent
No legal contract
Offer of contract declined

(I will be making changes to notice 3 later this week)

by Trishiapp28 Mon Mar 21, 2022 3:02 pm

Thank you very much daveiron, much appreciated.

Yes, I sent the first letter to the CEO but not had a response, apart from this letter informing me that Moorcroft debt recovery will be taking responsibility for the administration of the account. The letter is not signed by anyone just generic “ Your HSBC Repayment Services Team.”

I shall send the second letter this coming Friday, as planned.

by **daveiron** Mon Mar 21, 2022 3:07 pm

Yes.

by **Mrblue2015** Tue Mar 22, 2022 3:38 pm

Agreed with the sound advice Dave has provided. Silence (from the bank) speaks volumes as they say…

On another note, Moorcroft (the DCA - A for agent) are pathetic, but then again, all of the DCAs are in my experience, and I have dealt with many of them. They ‘run’ each time…

by **assassin** Wed Mar 23, 2022 4:53 am

Mrblue2015 wrote:Agreed with the sound advice Dave has provided. Silence (from the bank) speaks volumes as they say…

On another note, Moorcroft (the DCA - A for agent) are pathetic, but then again, all of the DCAs are in my experience, and I have dealt with many of them. They ‘run’ each time…

They also run when I let the dogs out as they are partial to the delicacy of bailiff rump.

by **Mrblue2015** Thu Mar 24, 2022 10:08 am

Another incentive for me to get a large dog… Wink

by Trishiapp28 Tue Mar 29, 2022 10:39 am

Moorcroft don’t waste their time, do they? Already calling me & leaving automated voice mail on my phone requesting contact from me. I’ve blocked them, but no doubt they have other numbers they will be calling me from.

by **LionsShare** Tue Mar 29, 2022 1:54 pm

Trishiapp28 wrote:Moorcroft don’t waste their time, do they? Already calling me & leaving automated voice mail on my phone requesting contact from me. I’ve blocked them, but no doubt they have other numbers they will be calling me from.

If done correctly, I can state my own as well as from evidence of others here on goodf, 'Lesscroft' are dead easy to get rid

by **LionsShare** Tue Mar 29, 2022 1:56 pm

Mrblue2015 wrote:Agreed with the sound advice Dave has provided. Silence (from the bank) speaks volumes as they say…

On another note, Moorcroft (the DCA - A for agent) are pathetic, but then again, all of the DCAs are in my experience, and I have dealt with many of them. They ‘run’ each time…

totally agree stand up to them & watch them get smaller & smaller as they run in to the distance Very Happy

by **daveiron** Tue Mar 29, 2022 2:24 pm

You could send this if you want, I have just got rid of Drydens Fairfax
with it ( returned unopened 4 letters from them ) they seem to have
gone like all the others;
https://goodf.forumotion.com/t5505-solicitors-debt-collectors

by Trishiapp28 Tue Mar 29, 2022 3:54 pm

Great, thank you very much for your kind replies, very appreciated.

I’m going to send them the linked letter from daveiron he kindly attached. The question I have regarding it is, in the first paragraph, do I provide my full name that I go by by minus the Doe or including the Doe? I appreciate this might be a silly question, but I really wish to get this right. Thank you very much in advance.

by Trishiapp28 Tue Mar 29, 2022 3:58 pm

Also, I would just like to add that your positive comments are very affirming and give me so much courage. It actually feels a bit like a game, for a lack of a better word.

by **daveiron** Tue Mar 29, 2022 4:29 pm

Trishiapp28 wrote:Great, thank you very much for your kind replies, very appreciated.

I’m going to send them the linked letter from daveiron he kindly attached. The question I have regarding it is, in the first paragraph, do I provide my full name that I go by by minus the Doe or including the Doe? I appreciate this might be a silly question, but I really wish to get this right. Thank you very much in advance.

I would send as is (your name obviously) You are writing as the wo/man ,who
on occasions uses the all caps name.

In effect all you are doing is telling them to p off.
The hardest part is to overcome the temptation to open their letters,just be
assured it will only contain BS.

by Trishiapp28 Tue Mar 29, 2022 5:31 pm

Great, thank you daveiron.

I will only send this one letter and after that won’t open any others and return them back to the sender.

by **daveiron** Tue Mar 29, 2022 5:39 pm

This is what i use ( i have a page full of stickers printed and ready to go)
without the opened in error

https://thepeopleslawyeruk.com/wp-content/uploads/Sample-RETURN-TO-SENDER.pdf

His site is well worth a look.

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