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gem77

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About gem77

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  1. Exactly bankfodder, it is quite unsettling to think that they would let so many transactions go so far over my overdraft. One of my credit cards contacted me once because they thought they had spotted some suspicious activity and sure enough someone had indeed stolen my cc details and made a few transactions although I couldn't see why or how the cc company picked it up as they just appeared to be normal transactions to me and didn't take me over my credit limit (thank goodness they did though) yet hsbc just let over 100 transactions go out which surely would look very s
  2. Thank you so much bankfodder. On a better note I have spoke to Amazon and they were really helpful and in the process of refunding all the transactions. I will wait and see how much hsbc charge me and take it from there as that was all I was really asking from them was to waiver the charges as it was their fault they allowed a hundred or so transactions to go out from an unauthorized overdraft . Thank you once again and I shall keep you posted.
  3. Hi bankfodder, No they didn't. It was for an online purchase and just said declined please use another method of payment. Nothing ever showed on my bank statements.
  4. Hi dx, App was Roblox, his device and his account. His internet privileges have now been revoked. I accept I am partially to blame and know that money is now lost its just the fact that hsbc allowed my account to go nearly £500 over its overdraft. Allowing purchase after purchase. ( each transaction was for £6.03) and they will now charge me unauthorized overdraft fees for continuing to make purchases when in an unauthorized overdraft.
  5. Hi, Hoping someone might know where I stand on this but I have a feeling I won't have a leg to stand on. Here goes my situation, Discovered today my account was over its overdraft by £471. In a complete panic I rushed to the bank to get a statement only to discover over 100 transactions from Amazon in the last 2 days. Turned out my 13 year old son had used my card and proceeded to use it for in app purchases. I have phoned hsbc to see how I stand on this they state that unless I get the police involved there is nothing they can do (which obviously I don'
  6. Defence submitted 23rd September so yes should be stayed. Definitely didn't sign up online it was a salesman in store. I would imagine they would discount it for a lump sum payment. So I just sit on this and see what there next move is then?
  7. Looking at the transaction history it was May 2010 that we hit financial problems. My minimum payment drops to £4 which was what i offered to pay each month when I would have alerted them of financial problems as I did all my creditors. after this time they continued to add interest and late payment fees which by November took me over my limit so they started also adding on overlimit fees as well (I stopped using the card December 09 obviously knowing things werent looking great so not to increase the debt) right up until April 2013, which is when I guess they sol
  8. Did you want me to upload the transaction history sheets? I have just finished scanning them.
  9. thought I'd scrubbed out all the personal details. what did i miss? If I remember rightly I filled this out in the store where they collared me as i walked in. Well I say I filled ou the salesman did and I just signed it.
  10. here is the letter and CCA or more like an application form do youwant me to put the transaction history aswell? Restons responsecca013.pdf
  11. Hi all. Hope you all had a good Christmas. I have received a letter from Restons along with a copy of a signed credit agreement and a transaction list from May 2005 - April 2013. The letter states to either withdraw defence and fill out a N9A form ( which isn't going to happen) or fill in their I &E form and offer a payment arrangement and they won't proceed with litigation. Where do I stand on this as I certainly do not agree still with the amount. Looking at the transaction sheets they have added over limit / late payment fees and interest right the way up
  12. I have received a couple of letters from Arrow and Restons. The one from Arrow stating they do not accept that they are the creditor, however they are willing to assist in obtaining the requested documents ( response to CCA request) . Goes on to state all collection activity will be suspended pending provision of the documents. Got 2 from Restons . First one stating that because the claim was issued via the county court business centre it allows the claimant to insert brief details of the claim and does not allow for the attachment of any enclosures , it refers to parag
  13. oh oops didnt realise that. Will submit it now then. I thought it best to find a thread as close to my own as possible otherwise it gets more confusing to me than it already is and I get totally lost. Thank you so much DX.
  14. right i've scrolled through a fair few threads and this seems to be the defence everyone is using for holding/no paperwork defence. Found one with practically identical POC to mine who also used this defence. Can you just confirm it is the right one for me please. 1.The claimant claims payment of the overdue balance due from the defendant under contract between the defendant and Santander dated on or about May 24 2005 and assigned to the claimant on May 10 2013 Particulars a/c no. ********* Date 16/02/2016 Default balance 1930.83 ' 1. The Defendan
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