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braindead58

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About braindead58

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  1. Today I went to county court to try and get an order to set aside a ccj that hsbc had placed on me without my knolage. I didnt loose but I will if I dont find somebody to help me understand what I did wrong. I have to send in a detailed Defence and a Part 20 claim??????.within the next 14 days. I think that I was lucky the the judge gave me 14 days to sort this out. I felt totally out of my depth. Any help greatly received.
  2. did not go well have 14 days to produce a detailed defence and a part 20 claim what ever that is HELP or he will find in there favor. felt very much out of my depth.
  3. I spoke to the court yesterday (monday) and they have confirmed that they have not recieved anything from fd -hsbc.regarding county court case later today. feeling a bit nervous but hopefully all will go well.let you know later this afternoon how it turns out .This is just the first step in what I expect will be a long battle. wish me luck ""
  4. I would like to know if anybody has taken fd bank to court about there worthyness to hold a consumer credit license. There worthyness as far as I see it is doubtfull. The Debt collection guidlines issued by the OFT states that it is an unfair practice not ceasing collection activity whist investigating a reasonably queried or disputed debt, in my case and many others im sure these and other OFT guidlines have been disregarded.This is not really a fair question but gives you something to think about when going to court. We as consumers go to Companys Banks Insurance company etc who have
  5. Hi dg. Thanks for that i was already planning to do that tomorrow,As far as I know they have to attend court if they dont the court will find in my favor. I at least have given them the oppertunity to defend themselfs that is more than they gave me.
  6. Hi guys. First diabolical got a ccj and a charging order against me last year without my knolage.The debt that they claim I owe them is made up intirely of bank charges and the account has been in dispute for over 2 years now. Tuesday After a wait of 3 months i am going to court to have the ccj set aside and hopefully the charging order taken off my property on the basis that i knew nothing about the original court case and that the amount they claim i owe them is in dispute and has been so for over two years. Just a quick question, When i sent off all the paperwork and evidance to
  7. im still half owner of the house where my ex wife lives with our children and that the property the placed a charging order on
  8. they didnt have my currant address but they did have the address where i was living with my parents after leaving my wife (they sent letters to me there)and if my parents had recieved anything they would have forwarded on to me
  9. thanks guys will check this all out.I think they sent the court papers to my previous address that i own with my ex wife. but she says she has never got anything i left her 3 years ago and hsbc new we were seperated only I found out about the ccj in in january when i signed up for my credit reports.
  10. First Direct / HSBC. has taken me to court without my knolage hence it was not contested. for a debt totally made up of unfair bank charges. I now have a CCJ and a charge against my property.defaults have been logged with credit referance angencies etc, Basically they have ruined my life. My estranged wife is on anti depressants with all the stress that they have caused.I know that they have acted against the guidlines of the bba and the oft but im not sure how to start fighting them back.any help or advice in this matter would be gratefully Recieved Braindead58
  11. First Direct / HSBC. has taken me to court without my knolage hence it was not contested. for a debt totally made up of unfair bank charges. I now have a CCJ and a charge against my property.defaults have been logged with credit referance angencies etc, Basically they have ruined my life. My estranged wife is on anti depressants with all the stress that they have caused.I know that they have acted against the guidlines of the bba and the oft but im not sure how to start fighting them.any help or advice in this matter would be gratefully Recieved Braindead58
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