Desperate for advice over debt I want to repay but the banks won't help!

RAS

Hi

First things first. Please open yourself up a basic bank account somewhere else which has no relationship to HSBC.

Then get you income and DDs/SOs tranferred over. That stops your bank account accruing more charges.

With respect to people to complain too, see the previous post below nicked from elsewhere on here. it will be worth your while reading the OFT Guidelines for Debt Collection as well. This covers the telephone issue as well.

Such is the nature of DFW that this is nicked from ray's post, which combines stuff from previous posts by fermi, pip and I! Anyway.
So send this first letter registered post. If they make any further calls after it is signed for, then she needs to send the second letter and copy in the Inforaiton Commisioner, the OFt and the trading Standards office nearest the DCas office.

If they continue, make formal complaints to all three bodies.

No it is guaranteed to stop them but if you

1.Point out it is your right under the OFT Guidelines.
2. refuse to answer security questions.
3.Advise them that you are recoding the call

they will take the hint.


Phone letters from fermi

Something along the lines of:

Quote:
Dear Sir / Madam,

Re accounts ref

I am writing to you to inform that I request all communications to me in writing. I do not want any further telephone calls made to me ( my mum).

To continue to contact me by telephone after I have requested you not to constitutes harassment. I require all future communications in writing for future Court use. Do not telephone me again – remove any telephone numbers you hold for me from your systems.

Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter, an official complaint, together with a log recording the times and frequency will be passed both to that office and to Trading Standards, For your information, all telephone calls are taped.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’. In that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint to the relevant authorities will be made.

Take further notice that continued telephone calls after receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003. Continued phone calls to my mother may also constitute an offence under the Data Protection Act.

Communicate in writing and ONLY in writing. Your telephone calls will not be answered.

HOWEVER, CALLS WILL TRIGGER COMPLAINTS TO THE REGULATORY BODIES.

I trust I have made myself understood on this matter.

Yours,

A list of good contacts to whom you can complain formally if they make a nuisance of themselves.

Here are pipk62's list of websites for the organisations .

These addresses are the ones that I have used to find the information that I required, You may want to research pages other than the ones I have linked to, try clicking on the home page if any of these aren't what you wanted.

Office of Fair Trading, Contact page: http://www.oft.gov.uk/contactus

The Information Commissioners Office, Complaints page: http://www.ico.gov.uk/complaints.aspx
(note: I chose to complete and download the .pdf form on Data Protection, which I am also sending to the other offices, with an accompanying letter)

Trading Standards, Central office homepage: http://www.tradingstandards.gov.uk/
-Please note, you can search by inserting the postcode in the top right hand corner, remember to use the postcode of the DCA rather than your own-

Consumer Credit Association, enquiries page: http://www.ccauk.org/consenquiries.htm

the Financial Ombudsman Service, Contacts page: http://www.financial-ombudsman.org/contact/index.html

Members of parliament list, (as provided by RAS): http://www.parliament.uk/directories/hciolists/clomps.cfm


And then if you get any more calls:

Quote:
Dear Sir/Madam,

Ref. 1234567890

Despite my letters regarding ANY communication from your company, which stated that I require ALL communications in writing, your telephone calls continue.

This behaviour constitutes harassment; the letters stated quite clearly to you that I require ALL communications in writing for future Court use. Do not telephone me again - remove any telephone numbers you hold for me from your systems.

Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information note that ALL telephone calls are taped.

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint, containing copies of all correspondence including yours, has now been submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

Communicate in writing and ONLY in writing, your telephone calls will NOT be answered.

HOWEVER, CALLS WILL TRIGGER COMPLAINTS TO THE REGULATORY BODIES.

I trust that I have made myself understood on this matter,

Yours faithfully,

rog2

The HSBC 'Managed Loan' :eek: :eek: :eek:

I have been there and can honestly advice that it is to be avoided at all costs.

It certainly looks as though HSBC have treated you badly - even despicably.

My advice would be:

1. Open a basic account at a non-related Bank and get all payments, salary, benefits etcetera, routed to the new account pdq.

2. Treat the HSBC 'overdraft' as a 'debt' in its own right and make a 'token payment', of £1 per month, towards it - see http://www.nationaldebtline.co.uk/england_wales/review_pack.php?page=for_people_who_have_no_available_income_to_pay_creditors

3. Once your new account is 'up and running' then you need to slightly change tack with HSBC and can start making offers to 'clear the debt' by using the templateletters that yo will find on the following link:

http://www.nationaldebtline.co.uk/england_wales/review_pack.php?page=for_people_with_available_income_to_make_payments_to_their_creditors

Good luck

miffed79

Well thank you so much everyone!!

I call back the debt collection agency and told them that I was registering official complains and various other bits of advice youa ll gave me and suddenly they ARE able to ask HSBC for the information and have promised to sort it out, despite th efact that 'there was nothing they could do' previously! Amazing hey?

I won't hold my breath as I really don't trust them but they even told me to request the charges back again and advised "banks are looking at things a little differently now".

As they say knowledge is power. Thank you so much x