I know - that's the problem. Got a Business Relationship Manager who you can only contact by phone. He's off until next Wednesday! Can't get help from anyone else. Don't know whether local branch manager can help and anyway I haven't even got the petrol money.

Have just had £1750 paid into my LTSB Business Account. Rang to have a withdrawal of £500 authorised. Told NO your account is in recovery because you missed a loan payment 2 months ago. They have frozen everything. Can't pay any bills, buy any food or put petrol in car to go to work!!! Business Manager has not replied to any of my calls. HELP! What can I do?

Well, I managed to make the payment at another branch. Sorry to disapoint everyone but HFC are still going. However, did learn that the branch I was originally sent to hasn't been open for a couple of months!!! I even made a phonecall today to see if they were open and was told yes by their collections center, only to receive further phonecalls to say don't go there - go to the next nearest one. On arrival at the next branch their computer system was down and the poor girl at the desk was trying to find anyone at branch level who could help. She said that the system should have been updated in January 2007!!! Maybe there is a crisis after all

That was my initial thought. But it gave the number of the next branch on the door. Guess what - no answer. Birmingham - no answer. National - no answer!!!! Where do I stand on Monday if it is the same as today? I'll tell you where - late payment charge and another entry on my credit file. Oh and also a very strong temptation to spend this £380 in my pocket as it is my Birthday on Sunday

Have a look here: http://www.consumeractiongroup.co.uk/forum/hfc-household/124983-hfc-beneficial-crisis-broke.html Have they gone into melt down, or is it wishful thinking??

Not sure where to post this but this seemed like the best place. Told by HFC guy on Christmas Eve, no payment received. Said yes, I am sending cheque. He said, no good can we have the cash. No problem, I will drop it into my local branch on 28th or 29th. Great he said thanks for that. Just been to local branch (well 18 miles away!) - CLOSED DUE TO TECHNICAL DIFFICULTIES. I was not prepared to go to the next branch so returned home and rang to advise of problems. Guess what - no answer from their Birmingham line and their national line says, "We can't take your call at the moment due to difficulties beyond our control." Does anyone know what is happening? Is this anything to do with the sub-prime in USA? Just read on American web-site that HSBC will ditch HFC - any truth?? bd

Accident/sickness claims are only allowed if it is shown that you are not receiving any income from your business. So, if I am off sick and for instance I charge £50 per hour, I could ask you to cover my appointments for £25 per hour. I am still then earning £25 per hour myself. Even if this is for just a couple of hours to honour agreements, I am not covered.

broke dave will remain broke dave (no need to change my mame!); if that's who you are talking to. Still in debt even though working 6 days a week:mad: . Learnt one lesson today - keep an eye on things - you then will not miss drinkies with important people

Alan, 1. I am self employed (and have been for nearly 8 years) 2. Every phone call I have received has referred to me being 'employed' by '______'. To which I have replied that's me! 3. The bank account is named 'broke dave T/A _____'; a sure sign that it is a sole trader account. 4. The box about the nature of my hobbies make me at a higher risk of injury has been ticked (I play golf and walk my dog!) 5. Due to the nature of my job (I'm a fitness consultant), I am at a high risk of injury! Do I need to go on? Have I missed something? bd.

Well that's my punishment for not being on here for so long . Was looking forward to seeing you all this Friday. Of course if you don't log on you don't know what's happening . Still I'm back now on the PPI claims so bound to meet you all sometime. Happy Christmas one and all. bd.

Hi all, I'm back! Been a bit slow on this one, but now taking on HFC for PPI refund. Initial letter resulted in PPI being cancelled and an enquiry started:rolleyes: . No joy so far and they have another 3 weeks to sort something out. They seem to be having difficulty finding the paperwork;) . Having read a number of threads on here it looks as though I am in for quite a fight. No worries, I took on LTSB and won; so quite looking forward to being an active member again. It's great to be back amongst like minded people - let battle commence bd.

Have a look at posts 2 and 3 on this link: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/114453-general-argument-court.html

How about the following Friday?

Suzi, Link works and have posted there. Not much use I'm afraid but at least it is a reply

Suzi, Just picked up on your thread. Not sure about your bank, but mine (LTSB) have sent me a letter about a credit card debt. In it says, "As you will know our terms and conditions allow us to take money out of any other accounts you hold with us to pay off your arrears." Well NO ACTUALLY I DIDN'T KNOW. I haven't ever seen this condition before; but it is now happening quite a lot. Your bank seems to be doing the same. I wish I could help more - perhaps by bumping your thread up someone more knowledgeable than me might help. As always, Bank Holidays get in the way. If you have no money to live on go and see CAB immediately in the morning. Good luck. bd.

May I also add that you can always go to your local Citizens Advice Center. They will help you to prioritise your debts and may even negotiate on your behalf. I have just fallen behind with my mortgage and council tax because of paying the first bills to come through the door. I now realise that I have been stupid by paying the bullies first. Keep the roof over your head first and then worry about the rest. Please post back soon so that we can help you

Slick, Cheers - good to see you around. Rory, SAR already sent and signed - whoops;) . No worries, thet can't use a copy of the signature - it has changed and I can prove it:D . NP, Excellent advice as always. SB letter will be sent on Wednesday; I like to keep people busy. (Might also get different replies!)

Have just found info required and sent letter N from this link: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html Will be following up with letter M. Anyone else having problems with this lot should have a look at this thread: http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/111854-mackenzie-hall-trying.html

Wow, glad I found this thread. I have had exactly the same letter (same date and delivery). My thread is here and I have just sent letter N (SAR). http://www.consumeractiongroup.co.uk/forum/general-debt/112104-broke-dave-barclaycard-possibly.html Will follow up with other letter as suggested here. Good luck everyone.

Thanks for the advice. New thread started here if anyone wants to follow it: http://www.consumeractiongroup.co.uk/forum/general-debt/112104-broke-dave-barclaycard-possibly.html bd

Originally posted on the Barclays forum, but advised it maybe better on here. I have received a letter from a company called mackenzie hall of Kilmarnock. They are chasing a debt of £350 on behalf of Lowell Portfolio 1 Ltd. Having never heard of this company I rang mh to find out what all this was about. They informed me that it was a Barclaycard debt which defaulted in October 1997. A couple of things at this point: 1. I did not have a barclaycard in 1997. 2. I was not banking with Barclays in 1997. 3. I did have a student account with them and a barclaycard way back in 1988. This account was closed in January 1989 when they received my grant cheque. They paid of my debts and took my cards off me. I remember this happening because it left me with just a couple of hundred pounds to live on for the rest of that term. The Bank Manager at the time thought this was highly amusing. 4. The only other time I have had a Barclays account was a couple of years ago when I approached them for a business loan. This account did not come with a barclaycard. Questions: 1. Has anyone heard of either of these 2 companies? 2. Has anyone else been chased for a debt going back 10 to 20 years? 3. If, in fact, this debt does go back to January 1989 why has it taken so long to come to light? Why did it take 8 years and 9 months to go into default? The nice lady at mh has suggested that it might be credit card fraud. If this is the case, why have I not heard anything from Barclays between 1997 and now? In fact I have never heard anything from Barclays. Should I report it to the police or just fight them on my own? Sorry to ramble on. Any ideas anyone??

Well I didn't expect to be back on this forum again; but last week brought one hell of a shock! I have received a letter from a company called mackenzie hall of Kilmarnock. They are chasing a debt of £350 on behalf of Lowell Portfolio 1 Ltd. Having never heard of this company I rang mh to find out what all this was about. They informed me that it was a Barclaycard debt which defaulted in October 1997. A couple of things at this point: 1. I did not have a barclaycard in 1997. 2. I was not banking with Barclays in 1997. 3. I did have a student account with them and a barclaycard way back in 1988. This account was closed in January 1989 when they received my grant cheque. They paid of my debts and took my cards off me. I remember this happening because it left me with just a couple of hundred pounds to live on for the rest of that term. The Bank Manager at the time thought this was highly amusing. 4. The only other time I have had a Barclays account was a couple of years ago when I approached them for a business loan. This account did not come with a barclaycard. Questions: 1. Has anyone heard of either of these 2 companies? 2. Has anyone else been chased for a debt going back 10 to 20 years? 3. If, in fact, this debt does go back to January 1989 why has it taken so long to come to light? Why did it take 8 years and 9 months to go into default? The nice lady at mh has suggested that it might be credit card fraud. If this is the case, why have I not heard anything from Barclays between 1997 and now? In fact I have never heard anything from Barclays. Should I report it to the police or just fight them on my own? Sorry to ramble on. Any ideas anyone??

How about Friday 14th (depending on Xmas market); start mid-afternoon through to the evening? I think logistically, it is easier to meet up for a drink and take it from there.

Good luck. I'm in exactly the same position - another £300 taken whilst my first claim was going ahead. Won initial claim but had no replies to the letters sent this time.

Good luck Bev. Keep on their backs; I'm sure that if enough people request for stays to be lifted then something positive will happen. The courts are hoping that the test case will free up some time for them. If every stay is appealed then the system will soon get clogged up again.