Please help, I SAR'd HSBC and all they sent to me were statements and a letter about the current state of the bank charges case.... I have now received a warrant of execution to advise that if I don't pay the court the full amount by 23 Feb they will be sending a bailiff out to seize goods to the value...... I am in the process of sorting out my debts slowly but surely and am about to contact payplan for assistance. I cannot afford the full outstanding amount but will do anything to prevent baliffs calling round. Does this mean they won't accept payments now??? Please help I am at my wits end!!

Subbing as same thing has happened this week, to me from Egg!!

Any suggestions?

Ok, so let me know if I have missed anything.... I send a N244 form to the courts asking for an ajournment, I SAR HSBC (done), I send a CPR 31.14. (Do I send this to the court or the solicitor?) or both? Could you let me know if I have missed anything? Also, if you are very kind any wording needed for each document. I need to wait until tomorrow in work where I have access to a printer.

Hi debbs, No the loan was not paid off. Sorry for sounding thick but what is a CPR 31.14? Do I send the court this with the letter asking them to adjourn? I doubt very much they will have an application for the bank account as it was about 25 years old.. will they send this as part of the SAR??? I am looking for a relevant letter to send to the court but cannot find one. Oh I am all a fluster now,

Don't know if it makes a difference but the reason the charges accumulated on the bank account is becuase they were automatically taking the loan payments from it and when i asked them to cancel the direct debit so that I could pay with another account (I wanted to close my HSBC account, they refused, I closed my account and they kept taking the direct debit out when my wages had stopped being transferred into it...

Yes the CO is at my local court, the specific amounts on the original CCJ stated (I think as I don't have it with me) as amount claimed is for overdraft (no specified amount) AND the claimant claims 1. (amount of loan) 2. interest at a rate of 8% per annum at a daily rate of 3.04 and 325.00 costs... No other documents were enclosed.

Thanks Supasnooper I am not good at writing letters but I am sure there will be a good one on here somewhere that I can pinch a few snippets from...

Thanks debs, Do I contact the court by letter or telephone? Or is there a form I need to fill in? Gosh I am starting to panic again deep breaths....

Thanks for that, I will start new threads for the other credit cards. I have sent a SAR to HSBC today for all infor regarding overdraft and loan which have been lumped together (I think). What should I do now or do I just wait and attend the CO hearing on 18th December?

Well done, I like to see a won on a thread. Gives me confidence.

Do you think I should write to the courts and the banks solicitors to advise that I have never been asked to enter a payment plan?

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Thank you everyone, I will SAR everyone on monday. One further question, Do I just send the one SAR to the HSBC for the two that are lumped together? Sorry to sound thick.

Hello I am new here and been reading the forums for a while but my head is buzzing with all the advice on different threads so I thought I would start my own. Basically, we have a mortgage and a remortgage with HSBC and we used to have a bank account and a loan with them also. We got into a bit of trouble financially and could not keep up on the repayments (which were coming out of the current account) they kept taking the payments, even though we asked them not to, which resulted in massive bank charges on the account. Anyway we opened a new account with NW and asked HSBC to close the bank acc. They said they couldn't because it was overdrawn (due to charges) We had a few family problems and I am ashamed to say let things slide a little, in the process there was a charging order put on our property for around 1500 from a credit card my husband took out. Also, HSBC lumped the bank account and loan together and took us to court for the full amount of both. As I say we were having problems and did not defend in time so a judgement was made against us for the full amount (even though the Bank acc was made up of charges). I have had nothing from the court or the banks solicitors regarding paying back the amount ( which we would not mind doing ) but now they have sent us a court date to put another charging order on our property. I have read around on this site and have seen that charging orders are satisfied when you sell your house (which we don't plan to do) so I don't mind as there is a lot of equity. My main concerns are that despite the charging order the Credit card debtors are still chasing for the amount to be paid and threatening further court action if it is not paid? Also, if the charging order goes through for HSBC can they force an order of sale on the property as they are also the main mortgage holders? Any help would be greatly appreciated....