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which credit agency does hsbc use? (remortgage)
wiosna30 posted a topic in Credit Reference Agencies
Can someone help me with my question? I need remortgage and on experian I have almost excellent scoring and HSBC has the best deal for us, so i need to know which credit agency they using. Thank you -
Hi I have several defaults for various amounts totalling approx. £5000. For whatever reason I didn't pay my bills for several months and am now in a position to begin tackling this mess. I can probably pay off all of the debt in around nine months settling several smaller accounts within three months. Lots of the debts have been sold on to various debt collection agencies. They're offering me various discounts to write off part of the debt which I am open to for obvious reasons. However I am also keen to begin the process of rebuilding my credit rating ASAP and am wondering whether it is better to settle in full for this reason? I've also read that if you only settle partially, the remainder of the debt can be sold on which is concerning. If I decide to offer a partial settlement which is then accepted, how do I avoid that scenario? Thanks -
Hi, Another car drama, me and cars just don't get on... Bought a 2005 Land Rover from a small dealer 250 miles away all of 9 days ago on finance, which decided to break down yesterday, dead alternator... I contacted the dealer this morning to say i wasn't happy and that it would need to be repaired, and offered them a quote from my local independent Land Rover specialist of £712.49... They went on to state that the warranty provided with the car would only cover repairs up to £300, well having been through this drama before (pre 2015 and with SoG) i know that the dealer is liable for the repairs to my 9 day old car but have been nice enough to offer to phone some other repair garages to get further quotes, none of which have yet got back to me. I feel i should immediately get the ball rolling with regards to taking action, i have no interest in waiting too long or playing games, i work for the emergency services and having a working vehicle is essential for me... I have drafted letters for both the dealer and finance company (attached) however i wondered where i would stand with regards to getting reimbursement for hiring a car? Thanks in advance Paul
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Not sure which forum to post this in. I signed an estate agent agreement this week and have since had a friend who wants to rent my house with a view to buying it in the future. The agreement I signed is as follows: typr of agreement - sole selling period - 20 weeks then 14 days notice to terminate and I see that I also signed a waiver of my cancellation rights. Do I have to keep it on the market for 20 weeks even though I don't want to sell it now? Many thanks. -
Hello, all, I'm sorry I haven't been on in a while due to illness/back to back forms. I hope you are all well. As it's been five years I'm not sure what to do in re a debt that's been in dispute since May 2011 - sold by RBS/Mint to Cabot, from whom my husband has had a letter last month. In 2011 the then collector Regal Credit closed the account as they could not provide documents as requested by my CCA. Cabot's letter just says they will be in touch, not sure if I should wait to hear from them or CCA them now and/or mention the debt has been in dispute for five years? I have the link to how to do a CCA of which I've sent many - I'm reading the link thoroughly as I know things have changed which is why I'm posting this, to make sure I'm doing the right thing. Many thanks for any advice and I hope you are all well. Best wishes HY -
Some banks have been hacking away at the worth of your savings, making 171 cuts in 6 years.Some people are getting screwed out of £178.50 a year! According to Which?, some banks are considerably worse than others, as they crunched the numbers on 212 instant-access cash ISAs from 21 banks and building societies. Which? said NatWest had the largest amount of cuts per account, with eight across two accounts over six years. The bank's e-ISA used to earn savers 2%, but for those who haven't moved their money will now be getting a paltry 0.25%. Which? also saw that Tesco Bank had made three rate cuts on one account, and at RBS, they'd made two cuts on one account, and Barclays made 13 cuts across seven accounts. The worst banks for cutting ISA rates are, in order: NatWest Tesco Bank RBS Barclays M&S Bank HSBC http://www.bitterwallet.com/banking/which-banks-are-cutting-your-isa-savings-92417
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Hello, My ex hubby and I took out a loan in 2003 with Citi financial, it was never paid off due to running into difficulties. It is now been paid through the courts. After reading the paperwork from Reston solicitors we noticed we had paid ppi on the loan of £2373.53. I want to claim it back if possible but I have to much going on in my life to do it myself so want someone to recommend a company who don't charge the earth to claim it back for me. Thanks in advance, Debbie -
To take the discussion off another thread, there is an idea that councils can now attach to DLA or the new PIP to recoup Liability Orders, this is problematic if said benefit is funding say a Motability car on lease. Can we look at which benefits can lawfully be attached to so we can frame best advice? -
Hi there I would like to ask for advice re unfair parking charges at Lidl / Athena car park in Eltham SE9 Thanks Ross -
First let me say hello and thankyou in advance for any advice or help. A brief account of my problem... Received court letter from hoist holdings re debt from Lloyds. It is a CC and was used from around 2007 - defaulted around 2011 . They are claiming in total with court fees and interest a total of just over 9k. They have and will continue to add interest every single day so this debt will only get bigger. This is what I have done so far - 1. Sent a letter to hoist holdings asking for copy of credit agreement etc 2. Sent letter to their solicitors requesting CPR...agreement/contract and Default notice. ** its not really relevant but it was never my intention to get to this postion. the CC was taken out while I was married and naively I thought that my job would be secure..my marriage would last... In 2011 it all changed and I found myself divorced and on job seekers.. I did in 2011 write to folk with a breakdown of my finances and a letter explaining my situation. Offering a token payment with the promise of larger payments when I found work etc. They did not want to know, and went on to sell the debt on... ** Sooo fast forward to now. And I got the court letter... which I have dealt with as above. I have looked on another website and only seen this website today. I wonder ----> what forum would be best for me and this issue? any advice or comments would be appreciated. Thankyou folk :0) -
The Consumer Rights Act 2015 is the biggest shake up in consumer rights law in a generation and seeks to simplify, strengthen and modernise UK consumer law. The act replaces three big pieces of consumer legislation - the Sale of Goods Act, Unfair Terms in Consumer Contracts Regulations and the Supply of Goods and Services Act. Which? has produced a guide to the main changes in consumer rights which came into effect on 1st October http://www.which.co.uk/consumer-rights/regulation/consumer-rights-act#link-1
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Couldn't think where else to pose the question Any suggestions which body within England and Wales prosecutes s.50 offences and does anyone have access to any reported cases? Relevant section at the following link http://www.legislation.gov.uk/ukpga/1974/39/section/50
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Hi I need some urgent advice. Can a HCEO take my car which is on finance? V5 is under name but I believe that its not proof of ownership? If answer is 'Yes' to my question than what rights a HCEO will have if I sell my car to my spouse or my company of which I am sole director and shareholder, is that any good? Any replies would be highly appreciated. -
I have been putting a lot of creditors off for over a year now but the defaults are really starting to hurt. I want to take on Barclays first as they sent a copy of a T&C booklet as their s78 response (as I know they do quite a lot). I also asked them under pre-litigation discovery and data protection laws to provide me with a full and exact copy of a signed agreement and they haven't bothered. I want to issue against them and had a quick look around the site to see if there are any template POCs I could use as I seen a good one around somewhere but cannot find it now. I need help with the particulars of claim. Thanks. -
Hello there, I have a serious issue regarding my parcel shipment from UK to Nepal. I had sent 2 ounces of gold along with other 21 pages of documents via Dhl to Nepal on 4th June 2014. I was not sure if they ship gold. I went to the DHL service point and asked if they deliver gold. The agent said that the value has to be less than £5000. Since my gold was worth £1850 I was happy to proceed. Gold along with my 21 pages of other documents were packed and shipped for £51.95 in 1kg box. Declaration on the parcel cover was clearly made 1) Documents 21 copies 2) Gold Bar 2 pcs and the total value of the item was mentioned £1850. After few days the receiver of the Parcel in Nepal got a message from the DHL Nepal saying the parcel was with the custom department and some legal formalities to be done by the receiver. When they went to Customs, they were told that we were not allowed to ship gold on a parcel. Further, they said that DHL was not allowed to ship gold in that manner. They should have stopped us in Uk. They said us to speak to DHL instead. But when they went to DHL there, they said to speak to customs department. This went on for few months. Then I called customer services DHL UK. They took a month and half to find out what was happening and finally said that my Parcel was destroyed by the Customs in Nepal. I opened a claim file in DHL UK and after few arguments DHL sent a letter yesterday offering £51.95 for the full and final settlement of my claim. I have no idea at all what I should do next. I would be very thankful for any ideas and ways to come to a conclusion. Its really hard to give up since it is a big amount of money for me. Many Thanks, Devi -
I purchased a Sony LCD 40 inch TV from Preston Sony Centre, the store closed about 2 years ago. The TV failed just before the expiration of the 5 year warranty.Ii contacted the parent company Sony who told me to take it to the nearest repairer to me. The TV according to the repairer can't be repaired economically as the part is no longer available( although Sony say they will have parts available for 7 years) therefore the whole screen would have to be replaced. The repairer cannot get the parts from Sony and Sony keep telling me that they are looking for the warranty. This has now been going on for a couple of months. i didn't receive a third party warranty certificate to cover the 5 year warranty when I took delivery of the TV only the standard Sony warranty paperwork. Preston Sony Centre was a franchise operated by a company by the name of Willo who have now gone into administration. I have tried on two occasions to contact the administrators to try and find out who the third party insurer was , however I have had no response todate. Is this a lost cause or can anybody offer some useful advice. If so it would be much appreciated. thank you -
Which? is urging Government, regulators and businesses to renew their efforts to call time on nuisance calls and texts as complaints continue to rack up in the tens of thousands. After finding that a quarter (24%) of people don’t know where to complain when they receive an unwanted call, Which? are making it easier by launching a new online complaints tool so offenders can be identified and punished. They are urging consumers to report nuisance calls and texts to give regulators the vital evidence they need to take action against companies breaking the rules. This tool is powered by Which?. It helps determine who you should report nuisance calls and texts to and automatically issues a complaint on your behalf, subject to your approval. To stamp out this everyday menace, we need to get more people reporting nuisance calls. Please use and share our free nuisance call reporting tool today. Report a nuisance call -
Hi, I'm trying to find out the service provider of a telephone number. I have had this number for a contact in animal rescue for years and not been in touch for a long while, now I need to get in touch, the number is a problem. The number rings for ages then a female voice tells me "sorry there is a fault, please try again" so I do, and get the same message. I am ringing from my landline as I have no coverage in my home. I tried to report the fault to BT, but when they found it wasn't one of their numbers, their suggestion was to ask the person (the same one I am trying to contact by phone) just who is their service provider. The number used to be a BT number. BT tell me that the account was closed. So, is there any way of finding out who provides this number now, so that I can report the fault and hopefully, finally get through? I have no email address or mobile numbers for this person, so other than a long drive into the city to visit, I am a bit stuck. I am hoping that the number is the same and the person just kept the number when they switched service providers. Thank you for any advice you can give. -
The IFA is long gone as he was associated with an Estate Agent and no longer works with them The policy is on a Norwich Union Life Insurance product I am still paying for with about 10 yrs left - the Payment protection was added onto the policy and I remember feeling quite pressured at the time to include it Who should i put a claim against ? The IFA or the company I pay premiums to Is there a standard letter I can send to activate the claim and start the 8 weeks countdown that the Financial Ombudsman require? Also would I need to request a SAR from Norwich Union (now Aviva) as I think when I moved overseas I may even have requested the PPI be cancelled Thanks, any help would be appreciated I am all at sea with this whole process! -
Hi, I received a penalty notice as my parking ticket was in the foot well when I returned to my car. Here's the notice & ticket: I then challenged the ticket following an example letter used successfully here (http://www.consumeractiongroup.co.uk/forum/showthread.php?389602-Have-a-local-authority-parking-ticket). This was my challenge description: "I would like to appeal the penalty charge served upon me. Enclosed is a copy of the Pay & Display ticket that I purchased and displayed for inspection. It can clearly be seen that I paid the appropriate fee and that the ticket was valid when the officer inspected my vehicle. Unfortunately, at some point during my absence from the vehicle, the ticket somehow became dislodged from where it had been clearly displayed and fell into the foot well. I accept that your officer could not have known this and acted accordingly. However, now that the ticket has been presented for inspection it is clear that I did not avoid payment of the parking fee or that I had parked beyond time paid for. The only purpose a ticket needs to be displayed is to enable an officer to distinguish between those that have paid for parking and those that have not and those who have exceeded the time paid for. The ticket produced clearly shows that had your officer seen my ticket at the time of inspection that there would be no need to serve a penalty charge notice. The only remaining issue is whether the fact that the ticket was not clearly displayed at the time of inspection warrants the council taking a hard line and upholding the penalty charge. I believe that for the council to take such a stance would be contrary to the advice of the DfT and the Secretary of State. As a valid ticket has been presented for inspection it is clear to any reasonable person that it would not be in the public interest to penalise a person who paid the required fee and did nothing to the detriment of the public interest. I cannot think of a more appropriate situation where paragraph 85 applies than this. I therefore politely request that the council act fairly and proportionately in this matter and exercise their discretion sensibly and reasonably by cancelling this penalty charge. It would be best for all if we can resolve this without the need to seek independent adjudication." I have now received the following response from Hackney: Does anyone have any advice on whether this is worth pursuing - I wouldn't be able to take any time off work, so if that was going to be a requirement for challenging this further, it's not really an option for me. That said, I do feel like this is really unfair and am keen to pursue on principle. Appreciate any help! Many thanks Simon -
Hi everyone I have a dilema I could use some advice with. I challenged a Default with QuickQuid for a previous PDL which was Defaulted in 2012. My argument was that they had failed to act responsibly by preventing me from setting up a payment plan until after the account was sold and a Default had been filed. Had they agreed upon a repayment plan the account would have been settled within a couple of months without any Default being registered or the account being sold on. Ultimately my complaint was escalated to the FOS who, in agreement with QuickQuid, have agreed the best course of action would be to set up a repayment plan, remove the Default from my Credit File and update it to "Arrangement To Pay". Although I am more than happy to see the Default gone and clear off the balance my concern is how much negative impact the "AP' status with have on my credit file. If i was able to clear the balance after 6 months and close the account it would still show the "AP" status for a further 6 years, however, the Default will be gone in 3 years. How detrimental an affect will the "AP" status have on my file? Would it be worth while accepting this agreement or better waiting out the Default? Thanks Guys -
Thought it about time I had a dabble with Linux and thought would use it as a dual boot with a Vista desktop. Initially downloaded Ubuntu 12.04 LTS a month or three ago but never had time to give it a whirl. Over the last few days upgraded it to Ubuntu 14.04 LTS, downloaded the ISO file and mounted on a DVD but it falls over each time with different problems. In the end gave up and have tried again with Linux Mint Cinnamon but again it falls over. Vista does freeze a lot so think it may be something to do with this. Now I've bit the bullet and ordered a new harddrive for an unused P4 system as think it may run better as a standalone system. Or is there a better Linux to try? -
Dear all, I had two credit cards with Lloyds which I settled in 2010. The debts were at my previous address (when I was with my partner) and that address is linked to where I am now. I have been away from the previous address since 2007. I settled the debts in 2010 but continually get refused credit because of the link. Although I settled the debts (and have statements to prove this), the Equifax records show settled in 2012. I spoke to Lloyds and they told me that the accounts were still open until 2012 although I remonstrated that I asked them to be closed once settled in 2010. I suggested that they correct Equifax to reflect the true settlement date and they refused. I wrote to the CEO and his office upheld the refusal. The trouble is that Equifax shows the "arrangement to pay" marker on both debts until 2010 and then green boxes until 2012 when they eventually closed the account. Lenders are knocking me back because of the adverse information. Lloyds never did default me for these, otherwise they would have dropped off after the six years. Sorry for the war and peace.... Questions: 1. Have I got to wait until 2018 before these records drop off? 2. Can I get the linked address removed at all and when? Thank you, Jim -
New universal credit rules which could leave 200,000 claimants waiting six months for benefit http://www.rightsnet.org.uk/forums/viewthread/7878/ So much for making work pay, eh..... -
Last year around May June I switched bank accounts from Barclays to Santander. I changed all the direct debits over myself (yes i sat on the phone for over an hour but was so paranoid about something going wrong if i left it up to the banks to do so for peace of mind I did it myself). Turns out I shouldn't have bothered! The only 1 that I had a problem with was United Utilities. I received a letter early September, followed by a phone call the same day saying I was in debt of around £120. My direct debit had apparently been cancelled by the bank. No chance I said, why would the bank cancel a direct debit. I was assured it was the banks fault, set it up again over the phone for my new account and thought no more of it. Just before Christmas I got another phone call saying my direct debit had been cancelled and the last payment I had made was in May 2014. I told them again that I had already had a phone call and set it up over the phone, Then told I was wrong and nothing had been set up at all. I checked my bank statements (I've learnt my lesson the hard way to keep checking more regularly) and its true they haven't even set up the dd. Let alone have the bank cancel it. Again I spoke to someone on the 8th Jan and again gave my details to set it up, its due out 1st Feb so time will tell whether its been done. More recently I tried to get a new credit card and was declined, not sure why as I have never missed a payment on purpose in a long time so just got my credit file today. United Utilities have added a 6 next to missed payments. they have messed up my credit file because they cannot set up a direct debit themselves and would rather blame the bank. I have contacted the bank who have told me they would not be able to cancel a direct debit without my say so. therefore I'm left thinking it is United Utilities who are in the wrong. Sorry this is turning out long How do i go about getting them to remove this on my file. This is the only negative I have on my file and I've worked so hard the past 10 years to get my credit to good standing and out of debt, and now this happens for something thats not even my fault! Any advice appreciated, thanks for reading.
