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Hi all, I have received the obligatory letter from BC, acting on behalf of Lowell who are acting on behalf of Orange lol. I've got the standard "you have 14 days to pay us or we're taking you to the small claims court" letter. Is it best for me to ignore this as per title? The debt is not statute barred. Many thanks -
Hi all, The last 6 months or so i've been finally cleaning up my credit file and dealing with various debts i built up over several years. In early 2012 got stuck in a pay day loan cycle and my brother died in his 30's and i suffered depression and barely kept going at work and just buried my head in the sand. Whilst this was going on i had bought a couple of items ( as far as i remember) from Littlewoods mail order catalogue. At the time i'd totally given up my credit file and was in no condition to be taking credit to be honest. out of the Blue 18 months later, Bryan Carter on behalf of Lowells sent me a court claim form for Northampton Bulk Centre. I was in no fit state to deal with it properly , had no knowledge and had no energy to defend it/didn't know on what grounds .A little i did read on here was to ask Bryan Carter for a Consent Order so i would avoid a judgement , i offered £15 a month and they accepted the amount. They jumped on my naivety and sent me the claim form and said first thing to do was fill in that you accept liability and write on it you offer £15a month. I assumed this would then go to a judge and he'd sign it off and Consent order done. Well as you can guess the judgement came through not long after. Immediately after it dawned on me the amount was way out, was around £840 the claim and i'm paying back nearly £1100 with court fees. I'd not seen a default notice, notice of assignment, breakdown of figures , any contract or anything. The default balance was £688 and that's with around 4 months of anything Littlewoods may have initially added to it . I believe i bought around £450 of goods and i am content to pay what i truly owe. So i estimate Littlewoods added atleast £100-£150 in fees , and Lowells near enough £150 .I've repaid £250 so far. I know its frowned upon to apply for a set-aside ages after the claim, in this case 18 months. However would it be judged on it's merits if i could convince a judge i was mentally not able to deal with my finances at the time and since the CCJ i've got doubts about the amount and have seen no paperwork at all . I'm confident if i was dealing with this claim today and it had just arrived that i'd have a very strong defence to the amounts and would make sure the paperwork was there and adequate. To get it gone i'm happy to consult a consumer legal professional and if they think i'm worth backing maybe one could represent me on the day so i don't get stuck .I'm in Northampton anyway so local to the court. Would representation show i'm taking it seriously or be seen negatively? I appreciate any help as its my only CCJ on file (got some few year old defaults but clean history/no borrowing last few years other than the CCJ) .Couple of jobs i've gone for have said it might be an issue if i do financial work. Many Thanks James
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Name of the Claimant ? Lowell Portfolio LTD Date of issue – 19/05/15 What is the claim for – The Claimants Claim is for the sum of £400 being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Capital One under account reference XXXXXXXXXXXXXXXX and assigned to the claimant on xx/07/2014 notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. and the claimant claims £400 The Claimant Also claims statutory interest pursuant to S69 of the county act 1984 at a rate of 8% per annum from the date of assingment of the agreement to date, but limited to a maximum of one year and a maximum of 1000 amounting to 25.00 What is the value of the claim? £510 (400 + 25 interest +35 court fee + 50 Solicitors cost) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Not to the best of my recollection Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Husband became unemployed What was the date of your last payment? unknown, quite possibly over 6 years Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? yes, they weren't interested -
Hi all, I received a claim form from the Northampton CCBC a couple of days ago, I have already filed an acknowledgement online with MCOL stating my intention to defend in full. Name of claimant: Lowell Portfolio I Ltd Date of issue: 22nd September 2015 What is the claim for: The claim is for £xxx.xx, the amount due under an agreement between the original creditor and the defendant to provide finance and / or services and / or goods. The debt was assigned to / purchased by Lowell Portfolio I Ltd, on 23/12/2011 and notice served pursuant to the law of property act 1925. Particulars RE- O2 (UK) Ltd A/C No xxxxxxxxxx, And the claimant claims £xxx.xx The claimant also claims statutory interest pursuant to S.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of £1000 amounting to £58.18. Value of the claim: £xxx + court fee £60 + solicitor's costs £70 total: £xxx The claim was for an O2 mobile phone contract. Original account started: Unknown 2010 maybe? It is not the original creditor who has issued proceedings. I was unaware the debt had been assigned and did not receive notice of this, I have moved more than 5 times in the last 6 years. I can not remember receiving a default notice again this may possibly be due to the number of times I have moved. I have never received a statutory notice headed “Notice of Default sums” since the date of the default to my knowledge. I was unable to continue making payments with the original creditor due to financial difficulties I had at the time, mainly due to being made redundant. There was no dispute with the original creditor. I did not communicate my problems with the original creditor or enter any dmp. Since receiving this I have only acknowledged receipt of the claim form via MCOL online. Is the next step to send a CCA Request letter to the Lowell and a CPR request letter to their Bryan Carter?
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Evening Folks, Apologies if this is in the wrong section, if it is could the mods kindly move it. I have arrived home today with my wife to find that my wife has kindly received in the post a CCJ obtained by Lowell(Claimant)/Bryan Carter Solicitors on 16/09/2015. Now this has come as a bit of a shock as we have received no prior correspondence from them regarding this debt or anything to state there would be any date to appear in court to deal with this. The judgment has also been obtained in my wife's maiden name, despite us being married for 3 years. I would greatly appreciate any help to urgently deal with this. Many Thanks G__M
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My first time using a forum ever, wish i had done this sooner .... ill try and explain best i can. had a Lloyds bank account roughly 5 years ago, changed bank accounts since and thought nothing of it. I then received a County Court Claim form on 28th April 2015 then a letter from Bryan Carter Solicitors on 29th april 2015 out of the blue saying i owe £270 The claim form states : Particulars of claim The claimants claim is for the sum of 181.10, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Lloyds. Under account reference XXXXXXXX and assigned to the claimant on 03/07/13, notice of which has been given the the defendant (Ive never received this) the defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with (again not received) And the claimant claims 181.10 the claimant also claims statutory interest pursuant to s.69 of the country act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 14.49 in brief i replied to the court and sent in a defence stating that i had never received the default notice nor any other correspondence before the claim form and that i had requested a copy of the credit agreement including the £1.00 payment but no reply . (i sent them recorded delivery and have the signature as proof they were received) They offered mediation to which i said yes but when i spoke to the mediation team it wasn't suitable as i had still not received a copy of the agreement i had requested for a second time. the last reply i got from bryan carter was on 17th july 2015: "we confirm we are taking further instruction from our client in regards to your request for documentation under the consumer credit act 1974 and we will revert back to you in due course. We confirm the production of these documents at a later date will rectify any earlier breaches." Then on the 11/8/2015 i received notice of allocation to the small claims track (hearing) My hearing is on the 16th October and i need to put in a witness statement 2 weeks before that... ... i dont know where to start with it? and also after reading a few other threads i think i should have asked for CPR 31.14 at the beginning but i didnt:| its really weighing heavy on my mind now and just want to get this statement in and let the court decide its not a very large amount i keep thinking i should just give in and pay (not that i have that to hand) but then i think why should i when i dont have any information about this debt??? any help would be so much appriciated!!! -
Hi all I have just received the following claim form from Lowell (Bryan carter) regarding an old bank account I had with HBOS: Claimant name: Lowell portfolio ltd Issue date: 18th June 2015 P.O.C: The claimants claim is for the sum of £206.99, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant HBOS PLC under account reference 804xxxxxxxx257 and assigned to the claimant on 3/7/2013, notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. And the claimant claims £206.99 The claimant also claims statutory interest pursuant to S.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 16.57 The total amount being claimed is £298.56. First of all I want to say that I intend to defend this claim in full. In July 2008 I received a letter from HBOS stating that I had gone overdrawn on my account. I was told that I would receive bank charges of £35 and a further charge of £28 for an unauthorised overdraft fee. As I did not agree with these charges I wrote to them explaining that my account did not go overdrawn (According to the online banking system) After a week or so I received a reply stating that as a gesture of goodwill they would agree to remove the charges in full. The following month I received my new statement and the charges will still there I did try to explain to them that I had a letter stating that the charges had been dropped, but I didn't get anywhere with them This then spiralled into the above alleged debt which obviously I don't owe. I did receive a default notice, although I can't find it at present. I have the copy of the letter they sent me stating that all bank charges would be removed from my account. As you can see this goes back almost 7 years. I take it this would not be statute barred ? Does that apply to this ? I would appreciate any help on submitting a defence or if there is anything else I should do. If you need any more info then I will do my best to supply it. thanks Lee -
Hi I am new to this forum and would like some help on a Court Claim form that I have received this morning Name of the Claimant ? Lowell Portfollio Date of issue – . 24/04/2015 What is the claim for – Shop Direct This claim is for 2661.55 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods This debt was asigned to/purchased by Lowell Portfolio 1 Ltd, on 14/02/2011 and notice served pursuant to the law of property act 1925 Particuals Re Shop Direct A/C xxxx And the claimant claims 2661.55 The Claimant also claims statutory interest pursuant to S.69 of the county act 1984 at a rate of 8% per annum From the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 212.94 What is the value of the claim? £3059.49 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue Account When did you enter into the original agreement before or after 2007? Unsure Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. No was issued by Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Possibly Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Loss of employment What was the date of your last payment? unsure prob abt 4/5 yrs ago Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No I am not sure that I have done this correctly, I am struggling, sorry -
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Well more interesting news from the Grapevine... Interesting... I wonder if it means that BC will be bought out or if they will go from scratch... -
Hi all First time posting so please bare with me I have recently received a CCJ for a debt from a mobile phone I obtained back in 2007/08 unsure of the exact timing of obtaining this phone but it was around this date. I stopped paying the phone as I got a rather large bill which I disputed, phone was cut off and lost in the end... I stopped paying the phone around 4 months after purchase so must have been in 2008... I forgot all about this debt when I recently moved back in with my parents I had a bailiff from thr county court knocking at my parents house with a form where I had to supply my incomings and outgoings, this was in april 2015. I fillled the form in out fear really had no idea at this point what the debt was for... I have now been ordered to pay bryan carter solicitors £150 per month till the balance of £2006.89 is paid off. I have made one payment of £150 in June 2015 since and am reluctant to pay the rest now I have realised what it is I'm paying for. I believe the debt to be statute barred as there must have been 6 clear years from the last payment I made. I had made no written acknowledgement to the original company O2 for this debt. I'm wandering now I have made a payment etc can I still challenge this ccj and how would I go about ithis? Thanks in advance -
Hi i am new to the forum and would appreciate any help or guidance through the tough battle i have on my hands. i have recently received a letter from Bryan carter solicitors i have attached this. this is the first letter i have received regarding this issue from Bryan carter i have never received any correspondence from the court regarding any court appearance or debt acceptance form. i have not even received any confirmation from the court regarding the award of the ccj to Bryan carter or the amount set as per the repayments. the debt is for private photography images that were never accepted and sent back to the supplier back in 2007. I have never been in receipt of any further correspondence with the digital media supplier and have never acknowledged any of this debt since then. I now want to have this ccj set aside and to formulate a defence against Bryan carter in a view to have the debt cancel due to being statute barred and mainly due to the fact the product was returned and the claim should never have been set against myself any help with this would be much appreciated and i want to get a letter out to both the court and Bryan carter this weekend thanks in advance Rebecca -
Hi. One of my old mobile phone accounts was purchased by lowell and bryan carter has been acting on their behalf. I have no reason to dispute this account and I have been paying them £1 per month for a while now. An oversight on my part meant that I missed last months payment. Its only been a couple of weeks and today I have a county court claim form. I have never had to deal with courts so I am hoping for some advice before I do anything. Many thanks Paul -
Hi i have been a member of this site for while and think you are amazing I have previously had judgments set aside with help from advice on here . Here's a basic back ground I'm self employed i ran in to financial difficulties in 2010 after a motorcycle accident and had to have a long time off work i got behind with all my money matters inc the tax man and the mortgage etc which im just starting to recover from it's not been easy. I still have some credit card companies that didn't seem to understand that i could not pay them at the time and i had to choose to put food on the table or simply put my hands up loose my house and sign on and become a burden to the state i chose the harder option and keep my wife and kids in our family home and not to burden the state. I have received a claim form from northhampton cc i received this on the 16/8/14 after being out of the country so i didn't have long to respond on the 20/8/14 i filed a acknowledgment of service stating i intend to defend all the claim (as i read admitting part is as good as admitting all the claim) i then 20/8/14 stupidly sent 3 letters normal post a cpr31.14 request to bryan carters solicitors a cca request to lowell financial ltd (with a £1 postal order) and a sar request to barclaycard (the original creditor with a £10 postal order) realising my mistake i again sent these letters recorded and proof postage again including the said fees i have had a reply from bryan carters stating that the claim form was issued by the county court business center and the courts protocols were followed Do i have a defence or have a screwed up ? I'm at a very low point now and stumped please help -
I just received court papers from these guys, but the debt is over 8 years old, how do I put in the defence that it is Statute Barred, and can I ask them to provide evidence.. Its from an old joint bank account with Nationwide, my wife passed away just 2 months ago and I receive court papers in just my name. We also had single accounts with Nationwide, and I suspect it was me closing my wifes one which sparked this action. For the record the debt on the joint account is 100% bank charges, which we refused to pay the first one, so each month they hit us with another one and so on... -
Hi, First time poster, long time lurker, so be gentle! My partner had an old mobile phone debt being chased by Lowell for 3 Mobile. I sent them the Prove it letter in 2011 back not acknowledging the debt and requesting the credit agreement. They sent back one page of an overdue mobile phone bill as proof. Nothing else. The debt would have become statute barred at the end of this month. Fast forward a few years, and it now turns out they issued a CCJ for £350 in January to an old address she has not lived at for 6/7 years, whilst sending threat-o-grams to our current address and our previous address to this one. She has had a letter from Bryan Carter Solicitors yesterday informing her that the CCJ is now in arrears of £150. This was the first we'd heard of any CCJ being issued, never mind arrears, and only today has it appeared on her Noddle credit report under her old address. We have heard nothing from the court at all, but thats understandable given they were provided the wrong address. The noddle report says its £350. They now want £350 for an original £70 debt, which was increased to £209 in 2011, and are adding on these CCJ arrears. My partner has no job (not claiming benefits), no property and no real items a bailiff could repossess. We rent and I own all the items in our flat. I know nothing about CCJ's but a quick google indicates we'd have to pay £155 to apply to have it set aside. They are demanding the CCJ arrears for £150 to be paid in full immediately. I don't know if this is Bryan Carter adding this on, or this is court ordered. We are not married but could they repossess my items as we share a home? What should we do now? Hopefully I've given enough details but please do ask if I've neglected to mention something. -
I have been battling with Ambrose Wilson to come to smoe arrangement to pay a reduced amount in settling my bill with them. I have received endless charges placed on both accounts and also constant recorded phonecalls and phonecalls from them even on a Sunday. I just swear down the phone and hang up. I have informed trading standards and OFT of this and await their reply. In the merantime Ambrose Wilson have sent me a letter stating that:- The OFT set out their views on the general principles that credit card providers should apply when calculating the charges that they make when a customer fails to make a payment on time under a credit card agreement. The OFT did say that banks and other finance businesses should consider those principles when setting similar default charges for other types of financial products. However in setting the £12.00 threshold figure for default charges in relation to credit cards, the OFT said that this was an interim measure to move the credit card industry towards compliance. The OFT did not say that the £12.00 threshold was applicable to other types of consumer agreement and have not set a threshold sum or maximum figure for default charges under other types of agreement, such as the one we have with you. etc., In the circumstances we are not prepared to make a refund of charges. We incur costs and expenses as a result off non payments. We are in the view that these charges are jusdtifiable and not a penalty. They are still not accepting my reduced payment and the unfair charges they have slapped on therefore increasing the debt. They now say they will offer a cash account so I can still buy goods from them on cash basis and I have 8 weeks to respond. What position do I stand in right now and what next do I do. regardws, Mashmallow -
I just received a letter this morning from Carter's stating that if I don't pay up they will issue Court Proceedings against me in the next couple of weeks. I need some advice please. The debt is for about £6k and was originally a Sky credit card issued by Barclaycard. The card was taken out in May 2005. In 2008 I got into financial difficulties and made my last payment to them in March 2009 and at the same time wrote asking for a CCA request. I never received a proper CCA but got a copy of their Terms & Conditions. After this I wrote to BC and told them the account was in dispute. Wescot then take the helm, writing to me in June 2009 making all sorts of threats. I informed them that the account was in dispute as BC failed to comply with my CCA request. I heard nothing more from Wescot and on checking my credit file a lot later, I notice that BC had written the debt off in December 2011. 2012 comes along with letters from Lowell. These letters contain a completely different account number. I wrote to them informing me that I have no knowledge of any debt with such an account number and they tell me it was the card Sky credit card. I didn't answer or send any form of acknowledgment back. I ignored all future mailings from them. Over the next couple of months ago I get a few, usual threatening letters from Fredrickson International, I ignored all these. Now this morning, I get the threat of Court Proceedings from Carter. At no time since I put the account in dispute did I ever receive any notification that this debt was being assigned to anyone else. I don't think but couldn't swear on it that I even received a default notice. There is no PPI attached to this account. I would have thought that if this was legally enforceable, BC would have had me in Court back in 2009 to get their money, not write it off?? Advice needed what to do now please.
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Hi I have been chased for a while for a debt for 2 barclaycard debts. A few days ago a chap knocked on my door and handed me a statutory demand. I have sent off a CCA request by recorded delivery and am awaiting a response. Would it be advisable to apply for it to be set aside if the CCA request is not received by the time the demands 18th day has passed? BW Legal has assured me it wont go any further until the CCA request has been processed, I do not have this in writing but have been told it on the phone. I have tried to read up as much as I can but there is so much info on the site im now confused ! Thanks in advance. Derek -
Hi all. Need some advice, please DH had an Egg credit card and we defaulted during a rather dark period of our lives. The account was passed on to Bryan Carter who took him to court in Jan 2011. We didn't contest it or turn up to the court date (which wasn't in our local court, but some 200 miles away) and a Charging Order was placed on our property. We're currently trying to sort our financial affairs out as we want to move next year. The "amount owing under judgement or order given on 18 June 2010 by the court, together with any interest becoming due and £268 the costs of the application" Surely, as the amount is under £5k, interest would not be payable? Is this just standard wording, or have the court given them carte blanche to charge us for that too? We have been paying £30 a month to Bryan Carter since 2011 but have never received any statements of account and we now want rid of this, so that we can start to repair our credit rating and get the charging order removed. Is it possible to attempt to fight this retrospectively? We have never asked for CCA's to prove liability or that the agreement was worded correctly; or for any statements of account on the original debt (and we know how bad these companies are for just plucking figures out of thin air! We're sure that the original debt was not this much) Is this worth doing now, or a bit pointless as it has already been through court? Alternatively, how open do you think they would be to accepting a full and final settlement for less than the amount outstanding? Many thanks for any help you can provide. -
recived this from scm. any addvice most welcome.
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I brought a car from honda in may 2004, it was a a ex show room car, and I was offered £1000 off the price of the car . How ever Honda finance increased their interest rate from 11.9% to 12.9% to get the cash back from the £1000 discount from the car. Also the copy of the consumer credit agreement I was given is unsigned by honda finance , so would i be correct in that its a unenforcable CCA cheekyone
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Hi, Hope I can seek some advice from everyone having received a court claim form for a Halifax O/D. Having trawled the forums and read lots of great advice, I think I'm going to go the route of defending the claim but would appreciate any input given. The Background - May 2010 - Agreed to repay small authorised overdraft @ £50 pcm & Halifax agreed no further charges. All this is in writing. July 2010 - Had made first two deposits by end of June, but Halifax still hitting a/c with charges. £230 worth of charges!!! - Wrote to Halifax reminding of our agreement for "me pay in, you no charge", no response. Oct 2010 - Wrote Halifax again - "I'll start paying in when you stick to your side of the agreement and refund charges".. No response. Dec 2010 - A/c has been passed to Blair, Oliver & Scott. First I knew was a letter from B.O.S. Wrote them about agreement Halifax broke. Jan 2011 - A/c now passed to Fairfax. Wrote them about agreement Halifax broke. June 2011 - A/c now passed to Robinson Way. Wrote them about agreement Halifax broke. At this point, the charges applied to the account were refunded but the a/c has not been returned to the Halifax. Aug 2011 - A/c now passed to Moorcroft. Wrote them about agreement Halifax broke and that the account needs returning to Halifax for me to recommence repayment as there has never been anything from the Halifax stating the a/c would be assigned to a DCA. That was the last I heard until... July 2014 - Letter from Byran Carter. Wrote back with same response I gave Moorcroft. Oct 2014 - Letter from Byran Carter. Wrote back reiterating what I had previously said. I also asked for a breakdown of the alleged debt to see what were charges etc and that I would be charging for my correspondence at the same rate Halifax do!! Feb 2015 - Claim issued by Bryan Carter. Followed up with a letter from them. The claim is dated 5th February, giving 10th + 14 for a response? That said, I've already logged onto MCOL and registered and prepared a CPR31.14 to send to Bryan Carter. Is this correct - send to the solicitor, not the claimant? What now? Return the AoS to the court (should I just do this on line? Is that enough?) and then the defence or enter a defence right now based on one of the many splendid examples on CAG? Many thanks in advance for your support, Essemess -
carter defeult ccj- Cat debt - have 30 days to pay.
clairly posted a topic in Financial Legal Issues
Bryan carter solicitors have got a ccj on me by default for an old shop direct account. I hold my hands up and say I ignored all letters from them and automated calls. The latest letter I have had says ccj was entered against me on 20th April and I've been ordered by the court to pay £50 a month,, or pay it in full within 30 days of the 20th of April to avoid it going on my credit file. I want to pay it in full to avoid the ccj, I have 10 days left. Has anyone does this and how can I guarantee that Bryan carter will close my case and inform the court ive paid? So I avoid the ccj being registered? -
Evening guys, long story short, had cap one card and not paid since January 2009 so as far as i'm concerned it's statute barred. Default on credit file July 2009 so due to come off in a couple of months. Late last year it was purchased by Lowell who i strung along until it was SB and they've since passed it to Fredricksons and now Bryan Carter who've just sent me a letter advising me to pay (not a chance) or they'll issue proceedings in 14 days without further notice to myself. I've seen on here that they try to bend the rules on SB and say it's from the date of default etc. which we know isn't true, even if they took me to court i think the time will have passed for both SB and the default will be gone. Is there anything i need to do in respect of this letter do you think? Their letter is dated 30/4 and has conveniently just arrived today saying i need to pay by 14/5. Thanks
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I received a claim form dated 12 Dec 2014 for in my opinion overdraft charges from HBOS plc I have studied the forum and acknowledged the claim on MCOL stating that I intend to defend, can you help me as I work my way through it Regards
