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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

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  1. sazzy34
    Hi all, I am after some advice. I have a CC debt with HSBC I defaulted on in 2010. Since then they passed to MCS and I have been paying £80 a month. Balance is now £7800. obviously I have a default on my file. I am hoping to do a full and final settlement offer with MCS but need advice on how much to offer, what I need to make sure is done and will this improve my file at all? I have noticed on Experian that HSBC are still marking defaulted every month. From my understanding the default will fall off my file in 2016. is this correct? thanks for your help

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