thankfully mate , there's forums with fine people like yourself that can help ! and with nearly 150K posts you been keeping a lot of people on track over the years !

you wont remember mate , you help hundreds of people , but I have had bit of thing with HSBC and then cabot and I successfully defended a CCJ , with Andy torches help. , it could be them again stranger things have happened

Well now that would be ironic , after all these years the CCJ was stayed and then to re-appear and try again. I will find out , no global yet just the friendly letter from search squad, there is a global reference number tiny writing in the top left hand corner .

Cheers I have nothing on my credit files need to find what debt it is first

No I haven’t I moved in 2019. No payments have been made in the 7 years prior to 2019 taking it too 2012 so can’t ccj a statue barred debt after how does this back door ccj work ?

evening everyone Just a bit of advice please what do Search squad / Global debt recovery specialise in ? I received a fishing letter asking them to help trace a person you know the rest blah blah I had a parking charge in 2019 , which was due to over stay , and I ignored. So do Search squad do parking charges OR is it more an old debt these critters prey on. If its old debt , mine was statued barred in around 2008 and have successfully defended a CCJ against cabot , so am in not in slightest bit worried . Either way am not replying , but if its the parking charge am going to be watching my credit file like a hawk.

Thanks Mate , at least the soft search did impact my credit rating , I will give them a wide birth for another 17 years LOL

Both mate HSBC’s I had 2 - one successfully defended in 2013 against a ccj - the other I pay £15 a month but I don’t miss that first direct was also at the same time and never to this day have I had Any collection or enforcement action I stopped paying in December 2013 due to the payments being returned

This sounds very similar to my experience , hope it gets sorted

Hi there I had a First direct account I Defaulted on 2002. around 3k. I kept payments up on account till October 2013 when the declined the payments from my current account. To this very day I never had. single letter from any DCA or been chased for payment , unlike the others I want to go back to first direct its been 17 years , However Do FD hold a black list of ex customers ? My credit score is excellent , high income and low debt ratio and low utilisation of credit. I have checked on their overdraft checker and it said extremely unlikely to offer an overdraft I checked on their overdraft checker for HSBC and I said extremely Likely to over and overdraft I currently bank with M&S bank part of the HSBC group Any ideas whats going on

Hi All If FD merge my overdraft , credit card and loan I into 1 debt . Does this make the debt unenforceable ? Many thanks

Thats good news Bazooka , did you pay anything during that time?

I did a data subject access on a debt from cabot last year , HSBC credit card was sold on and the loan CCJ is still being paid 14 years on. I guess does M&S bank access group HSBC records? it would be interesting to see what the decline letter looks like LOL

Hi All In 2002 i defaulted a lot of debt , HSBC etc and most of which i never repaid. Now 16 yrs on , I am back on my feet have a good credit rating during this time , I avoided HSBC due to the "debt" My question do bank holds personal black lists of customers from year dot that havent repaid . Or once you have defaulted sold the debt on etc thats it I know barclaycard accepted me , and that was 16 years on , I applied for a M&S current account and realised after it was subsidiary of HSBC . What does the esteemed group think ?

i will make a donation as form of thanks. I will start up a new thread about the 8k Loan with HSBC which is I have being paid as a CCJ for 15 years, at 15 a month. There is a 3k PPI attached.

well you be pleased to know I received a letter discontinuing the claim this morning , the nightmare has ended , funny thing if they didnt change bank accounts I would have still be paying to this day !!

Hello everyone! i have had a letter from Mortimer Clarke Solicitors two letters enclosed , one states without prejudice to save costs and asking for 50% of the payment. Is this this standard practice ?

That is a very good question, it hasnt come off the balance!

Hi All I have just received my data subject access form from HSBC. It showed that in Feb 2013 , HSBC decided to manually reverse the payments that I was making. I am at the time are unaware of this and are making payments as normal, no payments are returned into my account The data subject access from shows the account was "abandoned " in October 2013. I presumably mean this has gone to cabot. The payments were returned by HSBC into my account , in December 2013. ( can see this on my bank statement ) I am so so angry really. Just on a side issue , I had another Standing ordered returned at exactly the same time for First Direct , that was with the same collections department within HSBC So this is bound to surface anytime soon I am sure . The data subject access form also shows am still paying the CCJ which now stands at just over 8k from 11k , But it also shows it had PPI at 2k added to the loan, I only ever paid 8 payments before i defaulted as they loaned me 100% of my annual salary I will start another thread , as I dont want to confuse anyone with 2 things at once , but it goes to show how these banks operate

Well thanks Andy, sounds like another success story. Thanks to all that have contributed

**Update** Court has confirmed its now stayed. HSBC have about another week to produce the information under the data subject access form agreement. Will cabot ever come back with this , or can i now breathe a sigh of relief and saw its now over

I have just rang, although it is stayed They have a 3 day backlog of post so will only consider it stayed till Monday, once its passed its automatically place on

**Update** The process is now officially stayed. The deadline was Tuesday it came and went with no news. Will Cabot ever get back in touch or now is it case of looking over my shoulder every now and then!!

Where do I stand with CABOT processing my information and also , the numerous and i mean numerous credit searches all be it soft searches

thank you very much , so this sounds like a result? I guess they wont bother after a while and it will just leave it here