Hi Flyboy, To my knowledge nothing was ever requested by the court, when we had the same problem with Largo the court wrote to us to say they were requesting evidence .HSBC have either written the debt off or they haven't. When I spoke to HSBC two years ago they had no knowledge of ever selling the debt and so are still maintaining ownership!!! I really just want to pay them off and start to live again now. I did request that the court accepts my objections to an attachment of Earnings to allow me to sort stuff out. I have also lodged cmplaints with the credit services authority and the office of fair trading. Am considering taking out the N244 (i think) order to force them to prove their ownership. Its just got really stressful now!! Anyone else out there with problems with MARLIN and LARGO should start complaining the more the better.

Hi, so what do you do if the court has already 'adjudged' that a debt is owing, despite saying at the hearing that you have never recieved a true signed copy of the cca? i am trying to offer the company 9.5K which is 50% of the total debt owed to them, or HSBC as they don't have any cca at all. They are ignoring it and always go for the jugular ie court and not letters requesting income etc or trying to negotiate. I recently recieved a letter from their solicitors following an oficial complaint while they are trying to do an attachment of earnings, stating that they have never had a cca but it didn't matter because there was nothing I could do! The company MARLIN bought three debts from HSBC in 2007, two I have put in dispute. I wrote asking for copies of cca using the original letters of Section 71-74 of the act (i think) and have recieved no reply, do I need to send new letters now? We have had some success with LARGO (PHEONIX SARL) in that the court have writen to them demanding all of the evidence. as this was a month ago i am hoping that the court will find that they are in breach. We used the defence part of the summons and just qouted the act and that we were still waiting six months down the line so the court put the order in at no expense to us - worth a try.

Hi am new here, really annoyed hence the name. Major big debt with HSBC - had business loan and mortgage and personal loans all with them - eggs in one basket :o Business liquidated in 2005, HSBC refused to deal with CAB saying they didn't recognise my signature!!!! they had changed it back to my maiden name so no meetings, non compliance, treated my account differently to ny husbands they keep increasing his overdraft , mine they caused ,then scrapped so 3500K of charges, then they lump all our personal and secured debt into one place, someone instructs solicitors, they lump a further 30K onto the business loan - saw solicitor today who said only banking ombudsman can help - they are only dealing with the reclamation of bank charges, not banks being unlwaful in their dealings and breaching their banking code! ARGH!!!!!! had enough, had 80 phone calls a day from calcutta so OFTEL advised harrassment and changed number - no contact - promised mortgage break - didn't happen. Out of work 18 months but still paid mortgage somehow. finally they passed it all over to some guy in you guessed it calcutta, no chance of a face to face meeting then. forgot to say all personal is already being dealt with their collections agency. Any one out there got advice??? don't fancy shoving four kids in a cardboard box this year but may just happen.