Thread: HBOS Loan - CCA Default

Hi Everyone,

Right, requested my signed agreement under the CCA - their time has now passed, which means they have committed a criminal offence.

I have sent the letter stating payments will cease etc etc.

Now, no doubt they will drag this out and pass it to a DCA etc before going to court.

I want it sorted and out of the way sooner rather than later so that i can move on and start re-building my life.

I have never gotten to this stage and really need as much help as poss with what to do regarding court, what to prepare, what the correct/incorrect things to say are.

Im REALLY REALLY nervous as i've never done something like this before.

Is there a thread or some guidance stuff on the site to help me - or is anyone willing to help me a little?!

I've sifted through the site quite a bit and cant find all that much that helps me after this stage.

Thank you so much in advance to anyone who helps.

Nathe :?

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bump - Sorry for being impatient, just really need some advice, very nervous!!

Thanks for that - the thread is really useful!!

If anyone else can give me some more in depth help or advice that would be great - since a lot of people seem to have had the same experience with HBOS - what is their likely course of action/response etc?!