hi all, Got behind with n/rock unsecured loan, they defaulted me and court papers arrived. I paid up arreas and a month in advance then entered a DMP through cccs and sent back the admission form with a much lower offer of payment. Did not hear anything for 7 weeks yesterday a letter from the court arrived saying , with neither partys present..n/rock have refused my offer of payment and they have made a decision that i should pay in instalments £300 a month(what i was paying). I knew nothing of this going to court, if the judge looked at my I&E done through cccs he would clearly see i could not afford to make those payments. To make matters worse the date on the letter from the court was the 14th, they said i was to make the first payment by the14th but i recieved the letter on the 15th so ive missed a payment already. Would the judge have seen my I&E,i did not send one,only to n/rock with my admission ,if i had known this was going to court i would have done something about it. If anyone can give advice i would be extremly gratefull

hi, A DMP is debt management programme,through CCCS,they are mentioned in your thread.I only sent the paper work away on friday for remortgage,ive the same problem as you with bad credit but if i do get this mortgage the rate is fixed at 6.34 for 3 years,had to use a specialist broker(specialist rip off merchant more like..£595 fee).God i know about the exhausting part!! its 24/7. yes 6 years, its a long time but after that we can get a better deal elsewhere away from the parasites. Anyway good to hear from you and good look with the future X

Hi Cristal, Been checking to see your progress,i do hope things have not got worse for you. Myself, im trying to remortgage to pay everything off,ive just entered a DMP to hold them(wallers and c/cards) back for a while and give me extra cash to live a little.Hopefully if this remortgage goes through within the next couple of weeks i can payup before any more defaults arrive.I could stay in the DMP for the next 13 years and just pay 100 a month but i was advised that near the end of that term and as if house prices carry on rising the parasites can still insist on there interest over that period...So remortgage is only way forward.Im paying out on debt to the tune of 820 a month mortgage on top =1500, remortgage,pay off all debt and monthly payments drop to 822,nearly half what im paying out now,the only down side is at the mo i have 13 years left on current mortgage,im having to take this new one out over 20 years so im hoping to pile as much extra in as i can to clear it up earlier. its been nearly 5 weeks since i sent back court forms and have heard nothing yet, any ideas how long it will take ? Under the dmp ive offered them 62 a month instead of the 300 they were getting. Hoping things have got better for you eggy12

hi there and sorry to hear your story. I myself have recieved the same letter from wallers and have today paid up my arrears before there 7 day deadline.They said they are still commencing with the charge to house. How would this have been for you if you were able to pay the arrears before the deadline ?

Hi do you do internet banking.. if so you dont need the Data Request form as you can get all the info from your online statements. The place i emailed to with the info was also found on hsbc online banking..just one tick....... [email protected] you will get a letter saying blah blah blah and they are looking into it..if i am anything to go buy you should recieve a 2nd letter about 10 days later saying blah blah blah please sign on dotted line and 4-7 days later refund in bank. I seem to be a lucky one as others take longer, maybe because ive banked with them for 13 years. Anyway word of advice, do all 6 years and leave it at that dont do it again like i did 5 times and got a letter telling me politly to bugger off Good luck

I use a different template than the one here, i itemised the first one i sent of with specific dates but the next 3 i sent just the month total and they did not question it just refunded the money. 1st for £275 2nd 3rd and 4th for smaller amounts and they just paid up. I may not get it that easy this time as its for £1000 and they are booting me out there bank. I would say to you follow what they tell you here and disregard what im doing, date each one to be on the safe side

claimed for charges 4 times this year now hsbc is telling me to go elsewhere. Got another account so thats no prob. What is though is i have a 2k overdraft they want sorted and not sure but a hsbc c/card with 4k on it.. will they close both down and demand 6k back..? they say if i cannot pay write with my proposals, but the trouble is im out of work now and have no cash coming in. I have more priority bills to pay when i find work e.g. mortgage and so forth.. will i be hounded by debt collectors, not sure what they will do does anyone know, help would be much appreciated and thanks in advance

well a bit more organised than that ! treat the total charges and other charges as the same

I just went through the whole lot and when ever i came across the word charge i added to the list, mostly the charges were on the 17th of each month but the further back i went the closer i had to study as they used to charge the same day the reversal was done. when i finished i just added each year then the month underneath followed by the amount to the template like this Dear Sirs Penalty & unfair charges – request for refund for . SORT. . ACC. Total £1000 Year 2001.. Year 2003 Year 2005 January £83 January £30 February £13 March £27.50 March £30 March £60 October £27.50 April £20 November £12 May £20 Year 2004 June £20 Year 2002 June £36 July £40 January £27.50 August £54 September £16 April £30 September £72 October £40 May £120 November £100 June £93.50 August £12 October £90 November £67.50 0n 5 April 2006 the Office of Fair Trading (OFT) announced that default charges which blah blah then emailed it to them !