Hi Guys, I am new to website. But i have really big problem with hsbc. let me explain. I have small property investment business. Due to this when we pay some of builders they take out money without my authority each time i have to cancel my card and bank sent new one this things happen 7 to 8 times we told number of time banks about this and finally came to point when we thought its best to close a/c and all matters. At that time i have one credit card, bank a/c and personal loan on my name. Bank has closed current a/c and credit card straight way but loan they told me if i can not afford to pay they will keep open as it is and i have to keep paying them monthly arrangement. i have setup arrangement with them by direct debit and till date everything upto date i did not miss any payment. During december time my father passed away and i have to go out side country, during this period hsbc suddenly decided to close my loan a/c they sent out letter which i was not aware. After few days later another letter came for default notice and final demand. I came back last week and i have seen these letters. I been told by HSBC staff not to worry and they will sort out everything . I been given collection number which i called number of time but they have given one answer as my loan account is active and its up to date. Letter i received from hsbc clearly confirmed they will pass my details to credit reference agency and it will affect my credit rating. I have made full payment to HSBC but they refused to do anything. I have explained them as i was out side country and i did not received any phone call but they did not listen. As well they have notes on system march 2017 confirming person previously dealing in back office (customer relations manager) place note confirming account keep open and customer will maintain monthly payment as agreed when opened loan account. HSBC in march 2017 told me they will keep my loan a/c opened as far as i will keep paying my instalment but in december they have decided to close my a/c. Branch even give me wrong information as they told me nothing to worry my a/c is up to date and no action required. I really need serious help as my business on credit and if something goes against my credit file it will be end of my business. I need serious help as bank not helping me out at all neither branch already made complain to bank but i am not hoping any good response.

Hi, Hoping someone might know where I stand on this but I have a feeling I won't have a leg to stand on. Here goes my situation, Discovered today my account was over its overdraft by £471. In a complete panic I rushed to the bank to get a statement only to discover over 100 transactions from Amazon in the last 2 days. Turned out my 13 year old son had used my card and proceeded to use it for in app purchases. I have phoned hsbc to see how I stand on this they state that unless I get the police involved there is nothing they can do (which obviously I don't want to do as he has never done anything like this before and I really don't think he realised how much he had spent) that is fair enough I asked how they allowed my account to go so far over my overdraft, which is £1000, and continue to allow more and more transactions to go out. The reply I got you have to involve the police if you want it sorted. What annoys me most is that a few months ago I tried to make a transaction which would have taken me over my overdraft by about £15 (unwittingly) but was declined how or why on earth did they allow it to reach that limit and sting me with charges which they refuse to withdraw. I have a pretty poor credit rating so it would be considered irresponsible lending surely. Any ideas where to turn next ? TIA Gem77 P.s. Yes my son has had a very stern talking to and being punished accordingly.

Dear All, I received an email today from Stockslegal stating I have not responded to previous nor arranged repayment of my outstanding liability. In the circumstances our instructions are to commence legal proceedings against you.. It goes on to say in terms of prospective legal proceedings they ask me to please note that our clients position, HSBC, is fully reserved in terms of the choice between a) Debt revery proceedings or b) Bankruptcy.. There is some more info giving me another 7 days to make proposals to pay the debt. Then the last paragraph says please note proceedings will be served at your last known place of residence. If we are successful in obtaining a judgement against you we will seek to enforce the same against you to recover our clients debt. Can enlightened readers kindly share their thoughts and advice as this has of course got me very worried. I am not in a position to pay the full debt back unless over many years and I cant become bankrupt or I may lose the house which my family needs to live in, and this would put me much further into debt. Many thanks. They have also emailed my wife directly, surely this isnt right. How on earth they got her private email address when we were not together at the time or indeed is this anything to do with her.

Afternoon All, I wonder if anyone could offer any advice with my partners issues he is having. He had a credit card with Hsbc that defaulted over 6 1/2 years. He continued to make a number of payments until he got into severe financial difficulty. The default dropped off the CRA reports in February this year He was then notified in June that Hsbc had sold the debt to Cabot Cabot are demanding monies, which we don't have, saying if we do not pay then as they brought the debt they will take him to court, default him again and inform the CRA. There have been a number of people telling him different things about what to do and who/how it can be enforced, however after googling this forum seems to be the best place for common sense. He is at such a low I really need to nip this in the bud if I can. Thanks Bee

Posting on behalf of my partner who has experienced an issue with unauthorised transactions on her HSBC current account. Between the 10th November and the 13th several transactions were made at a local coop supermarket to buy goods and get cashback as well as one ATM withdrawal of £130. Upon discovering the transactions had been made my partner immediately contacted HSBC and reported the card as stolen and went through their fraud process aswell as reporting the theft to both Action Fraud and our local police. Now, I was under the impression that the FCA guidelines stated that HSBC should refund the transactions my partner has raised yet they refused to do so "pending an investigation" Also as these transactions pushed her into an unauthorised overdraft she is STILL being charged a daily fee which HSBC refuse to freeze. Yesterday my partner received a phone call from the HSBC fraud department stating the case was closed and they were finding her liable as the card was present at the time of these transactions and her correct pin had been used. I fail to see how this can be the case as at the time of these transactions we were hundreds of miles away from where they were carried out and my partner can prove this as she made a payment using apple pay in a store 300 miles away around the same time that there was an ATM withdrawal! I have spoken to the bank on her behalf this morning as she is a vulnerable adult with learning difficulties to be told that all HSBC can do now is lodge an appeal against the fraud teams decision which can take anything between 6 & 8 weeks. What is my best course of action to at least get the overdraft fees waived or frozen as I have now given up the hope the bank would have a soul and realise this is a genuine case of fraud against a woman who is suffering serious mental anguish aswell as financial hardship due to their frankly callous and uncaring attitude. Any help appreciated, thanks in advance!

Hello, I was recommended to post on this site and time is also not on my side! I appreciate any input and advice, thank you a) I went insolvent in September - since the date, I went to the HSBC branch with my wife to remove my name from the joint account and sign over responsibility to my wife as a sole account holder (including overdraft £900 and joint consolidation loan £326p/m on 18k). She did IE sheets and was telephoned across, approved, and we signed. The joint loan was part of my bankruptcy I understood it that my wife would take responsibility of that, hence going to branch and doing this. b) Since then, she was issued a final demand notice out of the blue, claiming default on arrears (there are no arrears, never have been) and 18 days to settle balance in full (£18k). No mention of any BR, just a final demand which is inaccurate in it's detail for the reasoning - and as it transpires, resolving it. c) 3 days of calls, and about 5 hours of speaking and on hold between departments because nobody seemed to know what was going on, we were told by the Financial Guidance Team to do nothing, let it ride out as they needed to charge off the account because of my bankruptcy - they'd even refund the latest payment which was automatically made after this demand letter. But doing this, of course would result in a default marker for my wife. and the recovery department would be in touch to collect the debt. Not knowing who to believe, I was passed to the 'insolvency team' who told us that my wife must get back in touch with the Financial Guidance Team, do a I/E and set up a repayment agreement BEFORE the 18 days. Needing clarity, and being frustrated at being told different things between departments (as well as being emotionally crushed, not to mention the psychological damage of listening to that HSBC hold music), we went to branch to have someone work with us to resolve. She made a call to the department on the final demand letter, who also said - get in touch with the Financial Guidance Team to do an I/E and set up a payment plan, if she does that then the default will not be passed to the CRAs. She put us in a room to make a call to the Financial Guidance Team, but then the whole fiasco started again... d) The Financial Guidance Team are adamant that they will not allow a payment plan. One guy we dealt with even went through a I/E with my wife but then came back after speaking to his manager, sorry, actually, that this isn't possible. I have spoken to the Manager who also insisted that it simply is not possible to set up a plan because of my bankruptcy, the account needs to be charged off. Period. I have argued that this goes against the terms of the loan in that she has not had the opportunity (actually denied!) to resolve this and she is being forced into default unfairly. The original contract has a clause about calling in the loan if bankruptcy happens to any party, but there is a line also that states that such action won't happen without notice and an opportunity to resolve, which is what I believe is being blatantly breached here. The manager raised a complaint for me - I have the reference number and intend to follow this up with my version not knowing what the complaint that he has raised references. Even after I spoke to the manager (who I suspected had either got this very wrong or has is own agenda), I asked to get put through again to the insolvency team again, who again stated the same - 'speak to the Financial Guidance Team' and get it sorted before the 18-days! Stalemate. My final call with the Financial Guidance Team yesterday, I spoke to a very nice woman who looked into everything and took it upon herself to speak between departments, not me, and get back to me. Her news: anyone who has told me that you could set up a payment plan is incorrect and has probably not understood that the final demand was generated because of my insolvency (even though the final demand says nothing of the sort - it even gives a reason it has been sent which is due to previous notice of arrears [not true]).. . the insolvency team I was repeatedly passed to was the 'wrong one' based in India, not in Birmingham... and apologies for the mix up but 100% we cannot set up a payment plan, the account needs to be charged off and your wife will have to speak to the recoveries people after. e) So what now!!? For our efforts, we are totally unable to resolve this through a payment plan, it's 18K or default. I have a complain reference number. They say that expect about 4 weeks for a reply to the complaint but maybe up to 8. I understand that I cannot do anything with the Financial Ombudsman until I have a reply (or 8 weeks). To recap - my issue is that my wife is being forced unfairly into default with every effort and the ability to repay with amounts of the original agreement. a black mark on her credit reference with a default. Plus, we have no idea even if there is no escape from this situation, what demands will be placed by the recovery department (i.e. currently the loan is 60 months at £326 p/m). But then, if my wife has a black mark anyway, what options are there for her to make a reduced offer or anything of that nature? We're in territory that we didn't expect and don't really understand. Perhaps naively, we expected the burden of the joint loan to simply fall on my wife, not being called in with a £18k demand. I'm also unsure what to do in the interim - if I'm raising a complaint, do we get any period of grace here - do we commit to whatever collections dept gets in touch after, or hold them off? Any help is very very very appreciated - our 18 days is up on 3rd Nov, and we've wasted a week speaking to them on the phone and getting absolutely nowhere! Thank you

absolute newbie! Please help! have received a letter from Arrow Global headed "NOTICE OF ACCOUNT TRANSFER TO NEW AGENCY" dated the early August 2017. it states the original agreement HSBC - overdraft/original agreement date year 2000/transfer date to Arrow Global Jan 2016/ outstanding amount owed to Arrow Global 11k+ and advise I need to direct all enquiries to Restons Solicitors. Letter 2 from Restons dated 18th Aug 2017 Re: Arrow Global Ltd v Yourself. Saying hey act for them and they have reffered your account o us for legal action., together with an financial statement form. Letter 3 dated late Aug 2017 from Restons now saying they have been instructed by Arrow Global to seek payment and advising I have been notified of their clients acquisition of rights to this account. Then further that failure to contact them by the 12th Sept 2017 may include the issue of a county court claim. The so called debt information is incorrect. Banking facilities were withdrawn by HSBC 2014. This debt went first to moorcrap and I think another before Arrow. what should I do next please

Many years ago, around 1996, I became a director of a LTD company owned by my ex partner. We had an agreed £20k overdraft on our HSBC (originally Midland) business account which ran until around 2011 when HSBC called us in and said that we could no longer have the overdraft and that we would have to transfer the £20k to a Managed Business Loan. I jointly signed the loan with my ex partner. Some time after this and without my knowledge, my ex partner removed me as a director. Please can anyone advise me: 1. Am I responsible for the loan which I believe is still outstanding, even though I'm no longer a director? 2. Can I make a claim for any PPI that may have been paid on the overdraft and managed loan? Thank you

Any advice on this one Had a CC debt with HSBC tried to claim on PPI but as my ill health was down to existing condition it did not cover me - recieved court summons replied arranged via court to pay £20 per month However mum diagnosed with cancer missed one payment £20 but contacting them to apologise and issuing payment for further 3 months in advance so I would never be in a position to miss a payment again - yet recieved summons re charging order went to court by myself and Charging order was granted Since which time however on reading info about missold PPI's via CAG wondered if I could go back to court and argue on the ground it was mis sold so putting the account back in dispute in an effort to get charging order lifted ? and refund of payments £100 per month to my recollection this way there would be little or no Debt? I did check with Solicitor CCA was enforcable but she never commented about PPI. Or would I be just whistling in the wind ? Any Ideas OSW

I have a number of accounts that I am paying back on an agreed debtmanagement plan, one being a credit card with HSBC. The dilema I am in is that all the other companies have changed the status of my account on experian to Special Instruction Indicator: Arrangement and I have been paying them upto date for over a year now. All this is showing a green symbol. In trying to rebuild my credit rating and finances etc HSBC Credit Card have not changed this, yet they accept my payment of £x.xx per month and have frozen the interest (although it it with MCS) This still shows as a red symbol Is there anyway I can get them to alter this to relfect I am on an agreement and that I have kept up with monthly payment? The arguement they came back with before was that they wanted more than triple what I offered to and am currently paying and therefore did not accept the agreement?? Yet they have settled for a reduced amount and have done so for some time Any thoughts please?

Having recently (well, just before Christmas) scored just under 7K from Monument for payment break protection payments, i have recently remembered an account i had with The Midland Bank which was some kind of revolving credit arrangement. This was many many moons ago and i cannot remember the exact details, however i do remember that the loan itself was in the form of two credit cards, one Visa and one Mastercard. Another thing i distinctly remember is the branch manager at the time telling me i would 'need to protect my payments'. I don't know if this does fall into the category of a loan or a credit card, but are you of the opinion that this is something that should be looked into? I'd appreciate any input. Many Thanks Nick

Hello All, I would request someone's help on how to proceed my case in the court. I have made overseas funds transfer from my HSBC account to one of my Indian friend account on Sep 1st 2016. I have received the confirmation from HSBC about my debits to my address but the transfer did not happen from their end. I understand there are some processes they have to follow it, but I feel which is not properly streamlined and it’s really putting the customer into frustration. It was an emergency situation that I need to support financially through this fund, but because of the issue and delay made by HSBC bank, I was pushed into very worst situation. I had come across lots of confusions and lost my reputation around my family and friends in my native place. The beneficiary did not receive my payment for more than a week, wherein I have received the confirmation papers from HSBC about my debits. I thought it’s a problem with beneficiary account and was in confusion. I waited for few more days but the situation was same, beneficiary lost the trust on me which I promised them to help on his emergency. They thought I did not do any transfer and I am just saying. I thought they have received the payment and they are kidding me. Later the situation went worst with multiple arguments between us. And I was really ****ed off and called HSBC on 8th September and I got to know my payment was kept on hold for some review. And I was completely upset and disappointed because of the bank issue it had created lots of problem in my personnel life. I explained them the situation, also I have questioned them why it was not informed to the customer when they keep their transaction on hold and there was no proper response from them for my queries. The customer executive promised me someone will call from payments team within 24 hours as this is an emergency transfer. But nobody had called me within 24 hours from the time I called them. I hope they tried to reach me after the timelines that they have promised to me but I couldn’t pick that call. Later no call back from them and emails from them. By this time I have lost my peace and my reputation was already spoiled with my people, as I couldn’t help the emergency situation; I couldn’t keep up my words and promise, Moreover my relationship bond with the beneficiary was broke because of this. I was completely upset, mentally stressed and hurt. Even after a week later there was no update from bank, I called them again on 13th Sep the situation was still the same, and they collected some information to proceed with the transfer. I have given all the information they wanted from me. That time my only intension is to prove the beneficiary that I really tried helping them. After providing all the information to the bank I requested them to release the funds as quick as possible. But no luck with that calls as well. I have called the bank again on 16th Sep (not sure on this date) to check the status and it was told by them the information’s that they collected from me was not good enough to release the funds, which made me mad. I questioned them then why did they collect those and when they feel it’s not good enough why can’t they collect the required information, but again no response. Later I told them to cancel the fund and put the money back into HSBC Advance account which got credited on 20th September. In between I launched a complaint also in HSBC around 13th Sep and I got a response for that complaint on 6th October 2016 almost a month later… Meanwhile I have arranged the funds in India through different source by paying the extra excess interest. And for almost a month I was mentally stressed because of the problems I had with the beneficiary as they are very close relation with me. I was fully upset and couldn’t concentrate on work or anything, which could have led me to life damaging event. And to solve these issues I have travelled to India on November by taking leaves.. And I have filed complaint with Ombudsman in November regarding this. After collecting all these information and multiple reviews they have come up with saying 250 GBP can be paid as compensation. But before even filing with Ombudsman, HSBC staff called me and tried to convince me with the compensation of 30GBP, for the situation that I have been put through because of their mistake. I detailed him because of the bank mistake what all issues I have faced and moreover I have arranged the fund in my native to help the beneficiary by paying extra interest money along with the principal fund. Then he tried to convince me by increasing the compensation by equalising with the extra interest I paid in my native, which is 120 GBP. I did not accept. But Ombudsman Took almost 9 months to drive and finalised 250 GBP, which is not fair. Here no body has considered because of bank mistake how much it impacted one personnel and professional life which has put them on mental stress, loss of relationship, loss of reputation, more I have spent extra amount on arranging funds in India, I have travelled to India on my own cost, I have used my vacation leaves for this purpose, I feel all the above factors to be considered for compensation. I have spent almost 350 pounds for my air tickets, 242 pounds as extra interest in India, ten days of salary 1000 GBP, so total of 1592 Pounds I have spent for fixing the issue, But the pain I went through for that duration, which damaged my life with loss of reputation, loss in relation, mental stress, all these are to be considered. Please advice on this

Hi all HSBC Mortgage Repayment Protector I recently submitted a PPI claim via Resolver to HSBC. I received a letter within the 8 week time frame to say that their 'completed searches found NO EVIDENCE to confirm Payment Protection Insurance was attached to any products held with HSBC'. I was surprised at this as I had given them as much detail as possible without being able to give them a policy number. Not satisfied, I called HSBC direct and started a new process giving them the same detail as I had listed in the Resolver claim. Within 3 weeks I received a letter saying I had taken out Mortgage Payment Protector and they supplied the policy number and the start date (30th May 2003). I now have the information I need to pursue a claim based on the fact at the time I took out the Mortgage Payment Protector I was self employed. I do not have a copy of the policy but understand certain policies were not suitable for the self employed - please can anyone confirm this and should I claim anyway? As a side note, the two letters I received from HSBC both have the same HSBC reference number. I wonder how many people they just fob off with a letter in this way.... Thanks in advance for any advice given. D

Hi, I normally offer advice on the tenancy forum, and so am a bit out of my depth here.. A bit of background.. In 2010 my wife and I opened a Joint Business account with HSBC, worked well for a couple of years until the business started to drop off, and so there was no money going in for the last 18 months other than WTC and Housing benefit... final overdraft (official was £600) was £702. I was in correspondence with HSBC and told them that the whole overdraft was due to charges and interest, and that I was suffering. Their response was to tell me that the charges were applied within their guidelines. Next thing in 2015 was a letter from Arrow global which I promptly replied to, telling them that I was in dispute with HSBC and that their implied right of access was denied so don't bother sending a rent a thug round. Nothing heard from them until a Restons fishing letter or 7 at the end of last year. These went promptly into file 13. Then on Jan 29th this year I received a court summons from Northampton in the post. I promptly sent off a CPR31.14 request to Restons (signed for by them on 7th Feb) asking for agreement/contract default notice (I have never received one of these nor the annual ones) assignment formal demand (not received one of these from HSBC either) I didn't sign the letter but printed my name, it had the court hearing claim number on and my address. Monday as I had not heard from them I sent off a completed N244 form, draft order for directions and a witness statement to the court, as these had to be in as I have not yet filed a defense as awaiting the above documents.. this was received by the court yesterday 24th Feb. Today I had a letter from Restons with my CPR 31.14 letter enclosed. the letter was dated 21st Feb, and said: Please find enclosed a draft letter which purports to come from you but is unsigned. you will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to receive it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response. So obviously a delaying tactic, but how do I respond from here?. As far as I know they have not got a copy of my signature and I don't intend to provide them with one.. Any help will be appreciated.

Hi there, I have received a few letters from Restons now regarding a credit card debt from 2012/13, passed to Arrow and now to them. I wont go into the particulars, but as I was unable to meet the balooning minimum payments and issues with work left me stressed worried and stupidly with my head in the sand. Now, finally back on my feet in the position to start saving for a house, Restons solicitors get in touch mentioning impending court action. Please help me avoid a CCJ! I have a CCA request with the £1 postal order ready to go to Arrow, just wondering what to do with restons - wait for the court papers? Many thanks in advance Name of the Claimant - Claim not yet received Date of issue - Not yet received What is the claim for – Not yet received (HSBC credit card) What is the value of the claim? Balance was 2,500+ Is the claim for - a credit card When did you enter into the original agreement before or after 2007? - after 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. Were you aware the account had been assigned – did you receive a Notice of Assignment? - I cannot recall Did you receive a Default Notice from the original creditor? - I believe so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No Why did you cease payments? – 2012ish What was the date of your last payment? 2012ish Was there a dispute with the original creditor that remains unresolved? Not that I can recall Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Just to point out, I don't want to get out of what I owe, I do not have any documents around the credit card, the default not the transfer to Arrow - just what Restons have stated. Having researched this company and how they and arrow go about their business, I have an instant distrust for what they say, a disliking for how they go about their business and want to make sure I going about this in the best way I can. Thanks Again

Hi everyone. I hope your all ok �� So last Saturday I rung up HSBC to order some copy statements for Closed Current Account 2004-2015 and Cash ISA 2010-2017... She told me there will be a charge (Didn't tell me what the charge was) and it will take up to 40 days for the statements to arrive but will more likely be 5-7 days and can only order from 2007 I accepted the charge and gave her the account details of an account I wanted charged... On Monday rung again as not been charged yet, another lady said it's free as you don't have HSBC current account and you will get staments in 5 days. On Wednesday I Recived 2 A4 envelopes with a bundle of paper and cover letter. They were online printouts of transactions of all my accounts Curent account 2005-2015 Cash ISA 2011-2017' like they print for you in branch' the envelopes were badly damaged/sealed... So rang the bank/went to branch today Told them what happened and Ordered duplicate statements July 2011-2015 and all of Cash ISA will ring tomz to order rest as can only order 50 statements a day' hopefully they will be like the ones u get in the post and will take up to 5 days So why did I get online printouts like you get in branch instead of duplicate statements which I asked for? Or will I get 2 sets of Dupliacte Statements? Why did the lady say 40 days for statements to be delivered?

Hiya all Sorry I am new to this site so hope I am doin this right. I want to firstly say having browsed around previously before joining i have found the information here extremely helpful. I bank with HSBC and over many years have been charged bank charges which i feel are excessive, only last month I was charged £225 in one month and when they took this from my account, it then took me over my overdraft and they began ringing me to ask why i had gone over my limit.. ..i said i wouldn't have done if you hadn't have charged so much. All I have had from HSBC over the last couple of years is hassle! Just wondered what the procedure is to claim these back and can you still do it as I believe they were holding these until a case was heard? Can anyone advise please? Many Thanks

I am in the process of getting all my ducks in order. I have an old hsbc current account opened in 2001. I had an agreed overdraft of £1250. In June 2010 I stopped earning and no money has gone into the account for 6 years. I cancelled all debits, but charges meant that I owe crica £1500. There is a default dated August 2011 and has now been sold on. I am confused about overdrafts as I have read a lot of conflicting data. Is is statute barred now or will I have to wait until next August? I am sure that there are a lot of fees and charges on the account, I have also been told that I may be able to reclaim package account fees, this may be cicra £500. Would this be opening up a hornets nest?

Hello My ex wife has received a County Court Claim from Arrow Global. They seek over £14,000 for an HSBC Credit Card Debt that was defaulted in 2012 and purchased by Arrow Global in 2014. The pack has no supporting documents such as a copy of the original contract, statements etc. Their Stated Particulars of Claim (suitably Redacted) are as follows: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and HSBC dated on or about DATE IN THE NINETIES and assigned to the claimant on DATE IN 2014 The account was defaulted in 2012 and is not Statutory barred and was last acknowledged in 2012 so the stat bar does not come into effect until 2018. The account was opened in the mid nineties so I think I am correct to say it comes under the older Consumer Credit Act so would expect a part of the defence to be that they must produce a copy of the contract and we can examine to see if it is valid. I am about to acknowledge service and get the additional 14 days so I will need to put a defence in on or around 4th September. I would be most grateful for any advice as to how to proceed with this defence. I imagine we are at the first instance looking for production of documents and supporting evidence. How do I ask or that as part of the defence. Many thanks.

Long story short, CCJ for just under £9000 which dropped off the file in December 2016. HSBC have put more effort into chasing the debt after the 6 years than they did before! Latest letter received threatens a debt collection agency if they dont make a payment (reduced settlement). Im pretty sure that they have had their chance and would need to go back to court and explain why they didnt try to enforce the CCJ before, am I right?

Apologies if this is in the wrong forum, I have spent many hours going back through statements and other related paperwork. I have kept every scrap of paperwork so have proof of everything I refer to below. I would appreciate your help in what to do next. I have tried to summarise events as best I can. The things that stand out to me are the Mortgage Protection & Income Protection did I really need both and that Norwich Union would pay the bank commission for arranging the policy. There just seems too many Critical Illness/Life policies at this time the total we owed around this period was about £45,000. Looking at it now it just seems over the top. I am no expert and will stand corrected obviously. I would really appreciate it if someone would take the time to have a look through and advise what I should do next if anything. If there are any questions then I will do my best to answer them as soon as I can.Thanks in advance. Regards Will INCOME PROTECTION, ENDOWMENT POLICIES, CRITICAL ILLNESS, LIFE POLICIES 1984- 07.10.08 CIS Cooperative Insurance Policy Number xxx6695 This was the Insurance policy against Endowment Mortgage account Number 40-xx-xx xxxx2998 (xxxx8196) Interest Only Mortgage Guaranteed Death Benefit/Target Amount on maturity £19,000 CIS Premium: £39.06 15.08.94 Midland Repayment Protector IPT will increase your MRP premium from 1.10.94. your monthly premium £10.47. 20.09.95 Midland Life Mortgage Endowment with Critical Illness Benefit Plan xx4339R To be issued by Midland Life Limited on the lives of Myself and Wife. 1995 - 2006 Cover £10,000 Term 11 years Monthly Premium £60.30 03.10.95 Midland Level Term assurance policy with Critical Illness for Me sum assured of £52,054. On a Single Life basis for a term of 18 years. Policy xx9914L-01 1995 - 2013 £34.06 per month. 03.10.95 Midland Income Protection for Me after 26 weeks Premium £11.52 per month. 03.10.95 Norwich Union Healthcare will pay Midland Bank commission for arranging policy. 01.12.95 Norwich Union Healthcare Safeguard Income Protection Policy Number Insured me xx8593Scheme 26 wk DP/IND Link Monthly Benefit £518 Premium £11.52 10.04.96 Midland Mortgage Repayment Protector (MMRP) Insured Person Me Policy Number. MBRP xx9966 Monthly premiums £8.70. 04.09.1997 Midland Life Policy (Joint Policy)Mortgage Protection Plan with Critical Illness and Permanent and Total Disability Benefit Policy Number xx9542B Insured Persons Myself and wife Amount of Life Cover £10,500 decreasing over the term of the policy. Commencement Date 02.09.1997 Expiry Date 02.09.2007 Premium £13.68 20.10.2000 Norwich Union Healthcare Safeguard Income Protection Ref xx8593 (HSBC-was Midland 31.10.95) Commencement Date 01.12.95 Monthly Benefit £575 Premium £ 21.53 April 2005 HSBC Letter Mortgage Repayment Protector Policy MBRPxxx849 To say that the policy is administered on behalf of the Insurers by FirstAssist Insurance Services Limited, future DD will be collected by FAIS Limited instead of Royal & SunAlliance, w/c 22.05.05 12.04.06 HSBC Mortgage Payment Repayment Protector Policy Number MBRPxxx849 Monthly Benefit Increased from £550 to £1,300 Monthly Premium £77.22 (27.04.06) 20.10.09 Aviva Income Protection(see 03.10.95) Midland Bank/Norwich Union Agent Name HSBC Bank Plc Policy Number xx8593 Premium Monthly £32.67 Payment Due Date 01.12.09 Monthly Benefit £733

Hi Going through some old files and have come across a file of my husbands. He disputed his GM credit card bank in 2008. After a number of letters they failed to provide him with a signed copy of the agreement. There are a number of letters between him and HFC and I have noticed a County Court Summons was issued on 6 Feb 2009 by HSBC bank for the total bank of £11,000. My husband has filed a defence, acknowledgement received from the court dated 21st April 2009 and an allocation questionnaire was returned to the court on the 7th May 2009. He has heard nothing from the court since In March 2011, a couple of letters were received from Wescot Credit services on behalf of HSBC demanding payment or Wescot would take further action. This was not responded to and no further communication has been received. A couple of questions: 1. should we do anything about the County Court summons - I have tried to access the claim on MCOL but it says incorrect claim number of password, which is incorrect as we have triple checked before we entered the details? 2. Can we claim the PPI back from this card? Thanks in advance

Hi I'm new to this forum and was referred here by another member. I really need some help with a court claim I received through Northampton Court. After speaking to Northampton Court who advised me to make the Acknowledgment of Service and whether to defend or not. I made the Acknowledgment of Service on 19th April. The claim was issued on 10th April and I think I have until this Friday to respond. This is for a credit card debt that I have not used for over 7 years. Many thanks in advance.

Hello, Not surprised (yet rather ashamed) to have received another claim form for my husband's old business debts. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 14 Oct 2016 1st Nov 2016 to submit acknowledgement defence by 4pm 15th nov What is the claim for – 1.This claim is for the sum of £8687.88 in respect of monies owing pursuant to an overdraft facility under bank account no. XXXX The debt was legally assigned by MKDP LLP (Ex HSBC) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. 3.The Claimant claims 1. The sum of £8687.88 2. Interest pursuant to s69 of the county court Act 1984 at a rate of 8.00 percent from the 23/11/11 to the date hereof 1783 days is the sum of £3395.19 3. Future interest accruing at the daily rate of £1.90 4. Costs What is the value of the claim? . Total £12726.81 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Current account When did you enter into the original agreement before or after 2007? After 2007 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? We would have but can't guarantee we have kept it. Did you receive a Default Notice from the original creditor? As above, we would have. Kept some of the early letters. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Probably, no reason to doubt we haven't. Ashamed to say we haven't actually been reading them but am sure we would have. Why did you cease payments? Business failed very suddenly due to recession, stopped payments to all creditors as my husband couldn't manage the debt. My husband intended at that point to go bankrupt but as moved into low paid employment, he needed to save bankruptcy fee. We then had to prioritise moving house due to being harassed by a neighbour and then always something else came along that needed money. Classic burying heads in the sand then followed as we seemed to be getting life back together. What was the date of your last payment? He last paid around April 2011 but Noddle says defaulted in Sept 2011. 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 management plan? No I have been through this twice before, once with Hoist and Lowell (both were not pursued once we filed our defence), but notably these were both credit accounts. I clearly have some reading to do to determine in what way an overdraft agreement (and any relevant defence) may be different, but my initial understanding is that I need, in the first instance, to be sending off a CPR31.14 (current account version) and that a CAA request is not appropriate. I will send off the CPR31.14 request tomorrow via recorded delivery. I intend to also acknowledge the claim asap (by 1st Nov) and tick our intention to defend all. I assume that it remains that the onus is on Hoist to show they have the relevant paperwork to prove the debt? I would be very grateful if, in due course, someone would look over our defence. Thank you, r710

I had a balance from a business loan with this bank, the business since ceased trading and naturally the bank wanted it repaid, but I dispute the figures the bank are asking and they have been pursuing me for a few years now, the only assets I have are my home. The situation is becoming unbearable as it has been going on for so long as the case is being handled by their team in India and it can take weeks/months for them to reply and it is clear there is a ''comprehension'' issue with information issued to them. Over the years I have paid for professional services and it seems nothing is being achieved, I feel I am being held to ransom as they have a 2nd charge on my home so I cannot move and feel any improvements or maintenance/repairs I carry out on the home are pointless and will only increase equity. The situation is unacceptable, how can I get them to see reason when they cannot even understand my situation, can they be allowed to do this? are there any guidelines they should be following?