Remus & HFC default notice

**remus** · 3rd March 2008 00:33

I have received a default notice with nature of breach: you have failed to pay the minimum monthly repayments totalling £200+. The amount is what I owe in total.

This has come out of the blue, it is a credit card, and along with other debts I have been paying a token amount and no interest icon

has been applied, helped by CAB.

Any advice on how I should respond to this?

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**tiglet** · 5th March 2008 11:51

Unfortunately, if you are not paying the minimum payment they ahve set, whether you are making token payments or not, then they can default you.

Have you considered:

A) Sending a SAR icon

to see if the debt consists of any unlawful charges or mis-sold PPI icon

applied?

B) A CCA request to see whether they have a legal right to collect the debt?

If they started playing silly buggers with me, that is what I would do.

**remus** · 6th March 2008 00:45

Thanks for responding to my post tiglet.

I had thought as they agreed to the repayments they wouldn'd default me.

Feels like they are all getting default happy

Will be sorting out the SAR icon

and cca

**remus** · 14th May 2008 21:09

Interesting move by HFC, I cca'd them, and they have sent me a copy of an application form (it says so at the top

).
Now my credit history has been updated to an 8, credit agreement ended.
Dealing with other HSBC icon

matters at the moment, but will be looking into this one

**tiglet** · 15th May 2008 08:10

8 usually means they have defaulted you.

**remus** · 15th May 2008 21:04

Yep, they obviously didn't like it when I cca'd them

They have agreed to my payments staying the same, even though they only have an application form.
Once things quiet down I will be sending and SAR icon

**tiglet** · 16th May 2008 08:59

Actually, once the 12+ days have passed and they haven't supplied an enforceable CCA, you can legally with-hold payment.

**robcag** · 16th May 2008 18:34

Originally Posted by remus

I have received a default notice with nature of breach: you have failed to pay the minimum monthly repayments totalling £200+. The amount is what I owe in total.

This has come out of the blue, it is a credit card, and along with other debts I have been paying a token amount and no interest icon

has been applied, helped by CAB.

Any advice on how I should respond to this?

Hi remus

It may be worth scanning and posting the default notice here (after concealing your personal details, but leave the dates intact) as there have been several cases of HFC default notices served on CAG icon

members (myself included) being non-compliant due to incorrect dates etc.

Rob

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