This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Great - thank you SO much both of you for taking the time to respond. I'm going to have a bit of a swot up on stuff, so i can figure out the details and understand the process better, then I'll get a letter sent off. will keep you posted

thank you both for taking the time to respond to my query. I have only reasonably become aware of this now what with it all being in the newspapers etc, my Dad bless him certainly would never have become aware had we not discussed this recently. I'm just wondering if I can still validly claim on behalf of my mother's estate (since its been 4 years since she passed away) so I think that could be a further sticking point ? lois

Hi there With the (very exceptional) assistance that I got from this site a few years ago, I managed to claim back not only my own bank charges / credit card charges but on an account that was held at HSBC in my mother's name. I managed to claim the charges made against my Mum's account despite the fact that she had recently passed away. I successfully managed to get £750 back from HSBC. My mum also had taken a loan out many years ago with Halifax and they insisted she took PPI out on the loan. What with all the recent press over mis-sold PPI, that loan included PPI when I am now thinking that Halifax should never have sold her that policy because she had been diagnosed with cancer so I do not think that Halifax would ever have paid out on insurance in any event because of that fact. Halifax knew of her illness but they still insisted that she had to take it out and I am sure to be fair Mum would have technically been 'uninsurable' due to her medical history? My question is, and I am probably completely and utterly pushing it now, but could I potentially contact Halifax concerning this PPI on the loan ? As I say, I am probably completely and utterly pushing the boundaries now but its just something that has been niggling at me and I thought I would ask you guys for your view / opinion. My Dad is a pensioner so if there was any smidgen of a hope I could make a claim on his / my mother's estate's behalf, and manage to claw back some money, then that would be terrific, but I know I am probably pushing it ! Thanks very much for taking the time to read this! Have a great day Lois

bugger - oh well, was worth a try! thanks again, lois

Dear all I have been reading all the information with regard to default removals with great interest. I just wanted to check whether it was possible to follow the same procedure (as set out in surlybonds sticky) for the removal of late payment markers from a credit reference agency report. (I think Dayglo modified a letter for removal of late payment markers but I cannot seem to locate any further information?). I just wanted to check whether anybody has requested the removal of late payment markers from any company ? thanks a lot, lois

Hi guys Just a quickie question to see if anybody knows the answer! HSBC have 'suspended' my account - now, my question is, because they have 'suspended' my account, does this also mean that the contract between myself and HSBC (which I signed when I opened the account) would also be 'suspended' and as such, can I ask them to cease processing information to third parties i.e. CRA's etc, anyone know? thank you! lois xx

hiya thanks for this. I am working on a budget list. I have to do this for debt free direct so at the moment I am gathering together all my statements etc, for the latest amounts owed on each account and detailing it all on a spreadsheet. I have approached HSBC, SMILE, MBNA and M&S about the difficulties I am having. M&S were pretty good and offered to stop the interest and charges but for no longer than 6 months. Even thought that is a start, I have got to be realistic and though its helpful, it still isn't going to resolve my debt issues, its only going to prolong the inevitable I think. HSBC, SMILE and MBNA would have none of it - when I explained that I was unable to keep up with the interest charges because they were adding a further £100.00 a month alone in interest, she told me that, and I quote 'well, thats the reality of a credit card isn't it?' unbelievable ... suffice to say I thanked her for her time and rang off. I'm just curious as what sort of paperwork and the step by step process was for an IVA. I guess ultimately, my question is does an IVA make a huge difference, do the telephone calls stop etc, does it do what it says on the tin (as they say!)? dcotcar41 - the details for Nuttalls would be great. Did you have your IVA for 5 years or did you settle it earlier ? thanks guys, I really appreciate your help and support, lois xx

Hi guys Hope you are all well and things are progressing for you all. Is anyone out there on the, now, massive, consumeractiongroup website going through or been through the process of setting up an IVA? I owe just over £36000.00 all on consumer credit (credit cards, loans and one catalogue). All my cards etc are all cut up and I've not added to my debts for over a year. Its just that the interest is crippling after a while. I have had a chat with Payplan and also with Debtfree direct (both of which were recommended to me by the Citizens Advice Bureau). I just wanted to see if anybody else was or has been through this and if so, whether you would be able to give me some guidance of what to expect. Payplan will only offer me a debt management plan. The thing that concerns me with that is that creditors can continue to call and there is no guarantee that interest and charges will be frozen. Under a DPM, I would be looking at just over 6 years to clear the debt and thats just on the current amount owing, not including future interest that my creditors would add. I'm not keen on a DPM as the creditors are calling now, and I'm only two weeks late with a payment for Marks and Spencer and in total, M&S have called me 8 times so far, and yesterday alone, I received 3 chasing calls from them. I just cannot handle that kind of stress and it is stressful and its upsetting and I find it intimidating to be frank. Debtfree direct on the other hand, have offered me an IVA and are sending out the paperwork for me to look at. On my current income and outgoings, I can afford around £400 to £500 a month. I would really appreciate some input from somebody who has been through these types of arrangements. The funny thing is that I have never before discussed my level of debt, so none of my family, friends, boyfriend know. but you know what - its funny, because I do feel slightly better just posting this message and in a weird kind of way, its my way of finally accepting the debt in my own mind and trying to get back some kind of handle on my life. Many thanks guys. lois xx

thanks for this. the thing that I think concerns him the most though, if we do push the bank to take him to Court, how does this affect his credit rating? I am guessing that we should write to the bank saying that the entire amount is in dispute because the loan was never applied for by him and was fraudulently obtained. Am I right in thinking that this then prevents the bank from referring the matter any further i.e. debt collection agency, because the amount is in dispute? I just basically want to bat it straight back to the bank, honestly, they have been SO unhelpful its not even funny ... any thoughts? lois xx