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HSBC unfair default notices - removal necessary :o(


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Im feeling good to be back here and confident you can help me :) Last time I was here the good people on the forum helped me reclaim £5000 in unfair bank charges from... HSBC :( So maybe its true, what goes around comes around :( They shut the accounts when they paid out leaving 2 overdrafts of £1000 and £250, to cut a long story short, times were hard and we missed payments.

 

The unfair bit is this, they sent letters demanding immediate payment within so many days, it included a repayment form which we filled in with our proposal to pay and sent off. About a week later we got the exact same letter and forms. I assumed it was a mistake and our papers passed in the post so ignored it. Next thing I know they are demanding immediate payment.

 

I rang them up and apparently the first form I sent back Id filled in incorrectly which is why they sent a second lot out, how was I to know this I ask?? Anyway, the account had already been sent to collections and she couldnt get it back, so there for 2 default notices were put on our credit file :(

 

Were really stuck here, we have a really crap mortgage and really need these removed to improve our rating and get a better mortgage deal.

 

Does it sound 'do able'?? :confused:

 

We are a young family with 3 young boys and we are struggling here :sad:

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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Think this maybe in the wrong place :confused:These defaults are not related to the unfair charges...

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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Anyone?? :confused:

[CENTER][SIGPIC][/SIGPIC][/CENTER] [CENTER]My claim against HSBC for £4,957!! :rolleyes: [/CENTER] [CENTER]6th November - letter sent requesting refund[/CENTER] [CENTER]20th November - MCOL filed[/CENTER] [CENTER]23rd November - MCOL acknowledged[/CENTER] [CENTER]24th November - Breakdown faxed to Debs at DG![/CENTER] [CENTER]20th November - defence entered[/CENTER] [CENTER][SIZE=5][COLOR=red][B][I]FULL OFFER RECEIVED TODAY!! 21/12/06[/I][/B][/COLOR][/SIZE] :D[/CENTER]

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