Hi babybear! Quick question as i've not had a peep out of them for a week? should i just pay a pound off the account now it's in dispute, even though they've not acknowledged it as yet? Or carry on and not pay anything as a couple of people have said? Much appreciated for your help...

Thanks for that babybear, been very quiet as of late no more calls, guess it's going to be the solicitors letter next? Trying to lull me into false sense of security no doubt!!!!

Hi brooce! just checked my phone and have nine missed calls from hsbc yesterday from 1 o'clock onwards have it set up on my mobile that all the collection numbers that have rung me go straight to answer phone!!!! Not one message, so how come they desperately want to talk to me but won't leave one message? and do i talk to them or just insist on letters only? thanks in advance.

Hi babybear! just checked my phone and have nine missed calls from hsbc today from 1 o'clock onwards have it set up on my mobile that all the collection numbers that have rung me go straight to answer phone!!!! Not one message, so how come they desperately want to talk to me but won't leave one message? and do i talk to them or just insist on letters only? thanks in advance...

Still not heard anything by post or phone babybear, wonder if this is the calm before the storm? Or the fact i've removed my phone numbers from their system?

Hmmm! must be in suspicious frame of mind now, just had a call to my home number came up unavailable so answered it anyway said hello and phone was put down... Probably nothing, but you do sort of wonder lol....

3 occasions!!!! Shows it's all automated bull!!!! usual stuff about it possible being registered with cra etc and in bold "it's not too late to stop this from happening..." (errrr durrrrr it is on your side...) yours etc paul campbell bless him just hope they give me a dodgy final demand now cos i think their dn is wrong will have to put that up for you to take a look.... Cheers for the support broooce!!!

Western fronts just started lol... in the post today mbna blah blah account seriously in arrears even though i've supposedly been put on the hardship etc with them (failure to rectify this matter may involve putting a dn at the cra!!!) thought they'd already done that muppets.... call us on etc like yeah i'm pretty low so i'll phone a premium line to get hassle off you no thanks.....

Cheers buddy! Good to have someone in my corner!!! As i've said, mbna have been okay with me only because i've been ill etc (so i'm vulnerable it seems.) hsbc don't give a flying.....i've settled down more now because of you and this site it amazes me how much the laws on our side here cos all they can really do is threaten you and thats all it is empty threats.....

just the thought of how much i owe buddy, and to just bite the bullet and pay it all up, take ten years tho. if and big if they stop interest and charges...

All quiet on the western front here broooce!!! How's your end getting on? Since i removed my phone number from online banking phones been very quiet, still not heard anything about that acceptance of their final payment etc!!!! was a bit low yesterday (understatement...)

Ok will send off the cca tomorrow!! Probably be in a better frame of mind tomorrow.....

so still send of my cca request? which they should have as i did it in the branch lol.. but five years ago fingers crossed...

Still don't know if it's worth me sending off the cca request though? people seem to think i can win on the back of the invalid dn and the final demand they've said only liable for the interest etc? am up and down like a yo yo today sorry!!!

So she has to write to experian? And the other two are? And just say she wishes to disassociate her CRF from me? Thanks for your help btw.

Good to know how do we do that?

thought so, may try the dmp route but with just my name on it (deservedly..) they can trash my credit rating which they have done, but my wifes i want to keep safe which it should be? as it's all in my name?

i did with cccs but they said it had to be joint names on the proposal, but i don't want her name on it as that will imply she's at fault for the debts and she isn't, i may phone up payplan and find out what they say? or i don't know if an iva would suit me?

Lol was definitely led that way, but then how would i prove that puppy... Just at the point now where i really don't know what to do part of me says fight and wipe the smile off their face but the other says just bite it, pay up over the 10 yrs....

Have no idea? when i did the forms at the bank the lady just said oh you'll need this in case etc etc, and dopey here just said yes... my own fault really cos i was paying an absolute fortune back every month...

I had ppi on the cc but after i missed one payment and offered a reduced payment ( which they refused...) they cancelled the ppi over the phone....

No i haven't as yet babybear, will be tomorrow when i send that off can i put both accounts on the letter or do i do one separately? The cc is about 5 yrs old same as the loan so they'll probably have both on file knowing my luck!!! Just at the point now where i don't know which way to go? Have sent the account in dispute to helen packwood letter as brooooce suggested on the back of the invalid dn and final payment letter! Part of me just thinks pay up, with the dmp but it will take 10 yrs at that rate though!!!

Well yes am only behind with hsbc cc and the mbna card (mbna have me on a hardship plan etc...) stopped interest etc, but worlds bank being rather unco-operative everything else is up to date..

Hi babybear! All the debts are in my name apart from the mortgage, have just got rid of the overdraft and am in the process of closing the account (joint.) have 4 credit cards and a loan that finishes in 5 months do you want the card details and amounts? she is putting her money into her account elsewhere and mines going into an account i've set up hsbc cc 9k mbna cc 11k paypal cc 1.5k barclaycard cc 4k hsbc loan 1k hope that helps as i've said she has none of these in her name just mine...

Ahh! okay was thinking what's British Rail got to do with it.. I did think of that route but then the house will be nabbed by the banks etc there's no way i'd be able to declare myself BR and they will want to know why my wife isn't, does that make sense? Have even thought of the IVA route, but that looks like it wouldn't work so may have to try the Debt Management plan, but then again it doesn't mean they'll stop interest and charges till they go to court which they'll try not to do?