we sent subject access request as fiance has no clue what the heck this thing is... every store card hes ever had he still has and uses. they then claim to not have recieved it, although it is signed for and PO has been cashed, so i have faxed another copy over and account is now with admin team. they are putting a default on the file EVERY MONTH!

cheers jester i thought so although lowell deny that is true. we have one at each address lol.

we didnt keep a copy although it was hand delivered to the court by fiance... could that be an issue? by sounds of it theyve admitted they have it on the phone to him today to. thanks again andy

just a quick question, am i making this up or is it true? i mean defaults on credit file btw

yes we did all of the above! acknowledged service online, then submitted defence online at which point it was farmed out to our local court who sent us another form to fill out with bits of info about dates etc we couldnt attend, which we did, we were then told itd likely be august before heard and to wait for a letter. We told them when we would be out of the country in writing and verbally. They still listed the case for that period of time. P x

thats what i intend to do, have downloaded the relevant complaints leaflet from the HMC website. The listing officer must be a total numbnut. i honestly despair at this country.

yes yes i understand but why should i pay for the courts maladministration?

Some of you may remember me mentioning a case in which my fiance was being taken to court by his ex for a sum of money she paid on a holiday for them both whilst together. utter tripe of a case, know full well we will win blah blah blah sent everything back as instructed and were awaiting court date. told it would be roughly august time. Having heard nothing my fiance has rang them today to be told it went to court on july 2nd and she won as we did not attend We stated in the first form sent back to actual court not online daft centre thingy that we would be out of the country 23rd june-8th july and unable to attend we have not recieved notice of court date we have not recieved a notice of judgement either the court is sending out a set aside form for us to get it reopened and a new date but i do not see why we should pay for their mistake?! when we clearly stated we could not attend during the period they set this for!??? We are literally fuming about this and i want to know our legal rights with having to pay the fee for set aside?!

nothing yet!! would appreciate pauls input!

wrighton with respect to your issue. any phone can be traced to its exact whereabouts by a network. why cant they check where it is if its being used? or did they blacklist handset and sim as soon as reported missing and reissue? this sounds ridiculous to me...and why is it call 3...?

i dont deal with ANY companies with indian call centres for this very reason. i always advise never to discuss anything with someone who calls you. always call your network direct or GO INTO A STORE!!! store interaction is soooo important. you have a name, a face and a manager (hopefully, i cant speak for other networks) managing every sale happening and conversation on the shop floor.

i think what is making me most mad is the total uncaring attitude towards the £550 being paid to an account they had closed. i just dont know where that is!

seeing as fiance KNOWS he didnt sign a thing... they sent it to him and he never returned it. they just released the cash. sending a CCA would be quite amusing. can you believe it was a 11,240 loan, over TWELVE yes thats right TWELVE years at 12.1% apr... variable. how can that be legal, its basically [edit]!

equidebt refuse to tell us. this is just getting so stupid, this loan has been paid on time for nearly 4 years and then they just go and do this. i think its gonna be worth escalating to hsbc senior manager... then FOS then if no help CCA equidebt i guess.. its so annoying all he wants to do is pay his loan to HSBC as agreed!

well HSBC claim in the letter that Metro is the DCA but we had a letter regarding it from Equidebt.. are they the same company or what? this is so confusing.

awesome result, well done old chap!

whats an LBA?? is it worth contacting Metro to see if they have the money? are they the same as equidebt? the problem is the bank account i dunno if it had a balance on it still or what really?

bump as could really do with some help here... this is about as serious as any of our accounts are and im terrified that fiance is gonna mess up our chances of EVER buying our own house. i guess the only good thing is that at the moment we are £150 a month better off eh?

I am completely GOBSMACKED at the letter HSBC have sent to us this morning regarding this. i cant scan so i will type it up for you guys to read. okay so now i am seriously mad. she has completely ignored the fact that we have not recieved a default notice or notice of asisgnment, funny seeing as the debt colection agency had the right address eh? and the total lack of concern for the money that has disappeared??! i am so angry right now i cant even speak i feel like writing two distinct words and mailing them right back at her. what do we do now...; WE are NOT paying anything to a DCA. if HSBC want their money i suggest they put right what they have cocked up!

Hi guys i have now recieved what looked like a wage slip type letter from mackenzie hall telling me to call them immediately if i am the person named or if i am not the person named by the 15th May 2008. is this still a fishing trip on their part and shall i just file under "ignore"?

indeed installspark fully agree! seriously go see t-mobile.. the customer service is one the most highly regarded in the industry now and going into store is the best way to do it.. we're all lovely

just a shame most of them are in my hometown...... talk about on the way to a recession

such a shame when networks have to copy other networks tariffs though isnt it... youd think they could come up with something themselves wouldnt you? and as for orange, check the coverage, its only 85% of the uk vodafone/o2/t mobile are all 99.6%8-)

this may be old news but it seems capital one have made lots of people redundant recently. outsourced customer service to delhi which is no surprise but redundancies for numerous big bods and operators in debt recovery depts...

also here is letter we sent to her, hand delivered to her and her father. Re: Letter received 20th September 2007 I am writing to you with regards to the afore mentioned letter delivered to my work address this week. There are a number of things I feel I must advise you of regarding the debt that you state is outstanding. I have paid the money owing to XXXX that she paid to my car finance company, this was paid in instalments and also with the receipt of the PC. The remaining amount, which you state is £1300 (in fact it would work out to be £1200, I can only assume XXXX is not keeping any records) was in fact the amount XXXX used to pay for us to take a holiday to Tunisia last year. This was a gift to me during our relationship and I offered to pay at the time and she refused the money. You have repeatedly mentioned my partner, Paula, she in fact has legal qualifications which I’m sure you were unaware of. The law in fact states that if you pay for an item as a gift during a relationship then you have no legal rights to claim that money back following a relationship breakdown. I am also sure you are unaware of the fact that XXXX has been recorded in writing as making threats on your behalf to myself and Paula. I quote, “my Dads dealing with it, he is owed a favour and doesn’t need to get his hands dirty if you know what I mean”. I feel it is appropriate at this time to make you aware that the Police have been informed of the above threats and have copies of the conversation. Following legal advice I also must inform you that an attachment of earnings order is not enforceable within a small claims court, I have also been made quite aware that a Judge would simply laugh the claim out of Court as a total waste of time. During the time XXXXX lived in my apartment she did not pay any bills, expenses or rent (please see attached invoice) I am sure you will agree that even taking into account the time I spent at your residence if I were to enforce this invoice it would in fact be myself who is owed money by your daughter. I am not (at this time) wanting to enforce this amount, as I understand that during relationships you choose to spend money on the other party AND THAT IS ENTIRELY AN INDIVIDUALS CHOICE TO DO SO. She would also be liable to a class action law suit for Slander and Libellous comments against my partner and myself following her repeated comments made to my Family members and their partners in public places and also her conduct on the internet. Paula has been given copies of the said comments from www.myspace.com under their “cyber bullying” terms of service. Paula’s reaction to these comments in the form of the message to XXXX would not be considered slanderous, as these were private emails and not of the same nature as the public messages posted by XXXX. I am also aware that XXXX was involved with other men during the last 12 months of our relationship AT LEAST. In a Court of law, whilst arguing the case for common law cohabiting this would be considered adultery, and therefore invalidate any claims for monies etc. The most satisfying outcome from this would be for XXXX to move on, it has been more than six months and I feel this is completely unnecessary and simply due to hurt feelings. XXXX is well aware of my financial position, I am still attempting to get back on track after supporting her for more than 12 months. I would like nothing better than to sever contact with both yourself and XXXX once and for all, she may find it easier to move on if she stops contacting my friends and family who are getting very tired of her constant attempts to gain information about myself, Paula and our lives. I do not understand why XXXX feels the need to involve you in our relationship and subsequent issues following the breakdown of said relationship, she is classed legally as an adult and is as yet to behave in an adult manner regarding this. I must inform you that my employer and the Police have stated that as you are NOT a customer of High st bank, and neither is XXXX, that I am within my rights to ask either of you to leave if you visit my work place again, this is in line with harassment laws, and also related to the charge of attempting to obtain money by means of menace. I feel this is entirely fair as XXXX feels it is necessary to stop Paula or myself from going to her place of work. I find it distressing that it has come to this level and sincerely hope everybody involved can draw a line underneath this behaviour and move on. I wish you both the best. Yours Sincerely XXXXXXXXXXXX