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  1. Hi honeybee thanks for replying , i thought a cash in would be out the question but seen as they were with hsbc we could try ! Ok i have one in front of me cant scan it mines broke ! its from hsbc - ***** Ltd Stakeholder Scheme Group stakeholder pension scheme we are writing with important infoirmation , please keep in a safe place as you may need to refer to later ; A pension summary oct 09 to nov 2010 retirement income projection based on the current value of your pension as at nov 2010. Summary of value brought forward £8,617 , total payment recieved £2400 , total deductions not including annual manage £400 , Invest Gain £1159.41 Total value 3/11/2010 £11'777.32 , Then shows investments , and it says total value of ur plan as at 3/11/2010 - total value protected £0.00 Non protected £11'777. 32 Thanks againx
  2. hi all - really confused where as money gone ? In april 2010 our family company went into liquidation - thanks to hsbc inv finance! anyway for about 3-4yrs My dad who was sole director and myself as company secratary were recieving monthly payments into a group stakeholder scheme pension , we did not contribute personally . neither of us really understood the scheme it was set up by hsbc and just to left to run to be honest ... my dad recieved £400 pm and mine was £200.00 these were hsbc recommedations for payments . The reason i ask is 1 our liquidator has also gone into liquidation and the courts have approved a new one who wrote and asked if there was a pension in existence but the other liquidator did not .. and secondally my dad has a personal guarantee on the overdraft 25k and hsbc are chasing .. could the pensions be cashed in and used for that ? we recieve annual statements but dont understand ... have asked old accountamts and new liquidators but no response ... if anybody can help really appreciate it ... P.s i tried to use pension trace service online who have wrote back and said they cannot find anything ??
  3. hi i will have a look at fos thanks , its very hard gettin info out of him at the moment there is alot of finger pointing between family who's fault this is all is , but will def ask and update as to what /when x
  4. i did wonder if i should have put seperate threads- thanks all for quick responses x She is unable to maintain the current payments each month have not contacted national debt only just discovered whole scenerio and dont have all info to asses what debt she actually is in so i jumped straight on here ! .. i think the 2 new letters requests for more made her think before agreeing anything ... she is worried about cancelling all incase it gets her into more trouble !! I think we should focus on the ones she does not have a clue about first especially as 2 of them are with lowell and they are requesting a new one be set up ! Plan of action . Credit file ... then cca unknown and cancel there payments ..await response from them and dig around for more info on metropolitan , caboot and welcome maybe even sar them to check for charges and ppi ? With regards to seperate threads once response's start to come in if it does become confusing could we then seperate ? Does Plan seem a good start on long road ahead ? and its letter n on template library isnt it ? x
  5. Thankyou for quick reply she is out buying folders envelopes and stamps and hopefully a very large bottle for me too take home tonight !! ... for the dca's where she is paying 2 amounts do we do seperate ones ? and for caboot 2 seperate amounts same ref on both d/d just one ? she moved in jan 2011 and did not bring any docs with her so shall i ask bank for payee contact details on direct debits or find them on web ? x
  6. Hello all Could somebody please give me a starting point ... Since finding this site i have been constantly recommending to all that will listen .. my younger sister has taken advice and made a plea today ... i popped up to see how she was finding site... Here's what i discovered ... i thought she had one debt recovery contacting her ..... it seems she has been in deep trouble for longer than thought , she has met a new partner who does not have debt and does not like agree with it ??... anyways debt collection agencys have been contacting my sister and on trying to deal with situation in the quietest way my sis has set payment plans up left right and center, she has not informed them of moving and does not recieve statements , letters , any correspondence ... She is currently paying the following ... Carboot £10.00 a month by d/d ref ***210 she believes a credit card debt Carboot £5.00 a month by d/.d ref ***210 not sure if same credit card or another Metropolitan £20.00 month d/d - hsbc loan Moorcroft £20.00 a month ref ***** - NOT SURE WHAT FOR Welcome finance £7.50 fortnightly - personal loan does recieve statement from them# Lowell £20.00 a month d/d ***848 NOT SURE WHAT FOR Lowell £5.00 a week they have her debit card details and do it that way NOT SURE WHAT FOR SRJ Debt REcovery - £10.00 monthy by debit card NOT SURE WHAT FOR she has recently recieved a letter from red debt collection on behalf of lowell original creditor Vodaphone - & Buchanan clark and wells regarding Eon debt Quite a mess - i dont no how to find out what some of these are for do we cancel direct debits and see if they shout ? she cant remember how long she been paying some of them for , what the original amount was , we dont know if there is still money owed on them and if so what ? nor do we know if the debt could be proven ... Because she is already in arrangement plans what can /should we do ?? I have read so many threads but i just dont know where to start or how to start with so many and some to same company with same ref no on d/d ??? please help x:noidea:
  7. So Sorry yes he did , misread on my behalf thanks all i will relay news , thanks again x
  8. hi Thanks all for reply , he did not declare the conviction at the start and have since found out it was not just one conviction! , they are negotiating costs with garage !! The insurance company are refunding his premium to date which is approx £1100, but will they then bill them for all work they have done ? The 3rd party was quite badly hurt she was on a scooter, she has been in hospital for several weeks so a compensation claim is coming a very big one , what happens then obviously they do not have the money to pay ? thanks x
  9. hi i write for my sister about 6 wks ago she had a collision with a scooter ... it was her fault .. she has joint insurance with her partner .. im sure he is primary holder and she is named on policy ... the insurance cmpany have retrived car and put into garage for repairs . they came out to visit and go through claim they asked her partner to sign written declaration that he had no convictions within last 3 yrs ... they have recieved a call sayin he lied .. from what we can make out .. her partner took call and is not the best at relayin exactly what was said but he has got a previous which he thought was spent more than 3 yrs ago but it is a couple of months under the 3 yrs ! as a result they are refusing the claim and cancelling insurance and sayin sis and partner will have to pay the garage the 4k for repairs to date and deal with it on there own from there on ,.. they are no longer insured and the insurance provider (privelege) will refund all premium paid too date .. so our issues are ... 1 my sis had accident and she is named on policy she has nothing in past so surely as she was named and premium was paid upto date has she got a case to argue ? ... 2 they dnt have the costs for the repairs , where do they stand with the garage surely the garages contract is wiv the insurance not her so any sum agreed would be irrelevant and could we negotiate new costs and do we have a right to refuse payment ??? and 3 what are the police gonna do will she classed as driving without insurance ? the other party did suffer quite a few injuries and was in hospital could no insurance mean an automatic custodial sentance ... please any advice would be much appreciated , she has to go to garage tomorrow .... x
  10. Hi All , please help - very confused !! Im in a bit of jam , i am going to try for ppi on mbna c card , its a bit tricky though (well for me) the statements used to come through addressed to incorrect business name( was not our Registered title ) and then my dad name underneath - the company is in liquidation they are now writing for payment from dad and not including the incorrect business name they previously detailed - we have no documents as liquidators still have them and need to act asap to claim the ppi - However a couple of years into the agreement i was added as a additional card holder , this was done via the phone but they have used my first name and assumed my surname is same as my fathers which it never has been .... therefore do these name errors mean anything ? or does it just put dad at centre and by sar from him will get all info including the 2nd card holder one's ? and if it does not how do i sar if it is not my correct name ? Hope that makes sense ! any help greatly appreciated keep seein sticky's to get ppi claims in asap !!!
  11. hi After consideration i have decided to try and claim these charges back , i have drafted a letter outlining the circumstances and requesting they refund charges . if somebody would have a quick read through id appreciate it and any suggestions welcomed ..... I would like to request a refund of unfair excessive charges that have been applied to my account. I believe that the following charges as detailed below are excessive as they do not reflect the true cost of going into an unauthorised overdraft to the value of £3.06!!! for a total of 7 days !. Due to financial difficultys commencing in april 2010 this year when i was made redundant i cancelled all direct debits and standing orders for the account and left a small balance in the account and believed that was how it would remain . However there was a request for £6.99 made to my debit card( via a online subscription that i believed had already been cancelled ) on the 28/6/2010 which you processed and allowed when there was insufficient funds , i am at a loss as to why this transaction was allowed as i have never requested any form of overdraft facility and to the best of my knowledge believed that if cleared funds were not in the account the debit card transaction would be refused ??? in allowing the transaction to proceed it caused the account to go into as specified by yourselves a unauthorised overdraft to the amount of £3.06.!!! On the 7/7/2010 i became aware what had happened and proceeded to credit the account with £20.00. As the amount in unauthorised overdraft was only £3.06 and only for 7 days and i have never entered into a un authorised overdrawn position before that the deposit of £20.00 was more than sufficient in putting the account back into a positive balance .I was shocked and disgusted to recently discover that you have applied a £39.00 unplanned overdraft charge on the 02/8/2010, furthermore you then continue to apply another unplanned overdraft charge of £ 45.00 on the 01/09/10 and have applied interest in the sums of £1.06 & £0.40 in total £85.46. To add further insult when i call the collections department to discuss these charges i am advised that there will be a continuation of charges applied to my account until it is brought back into credit !! Therefore i request that all charges and interest be refunded to the account within 14 days , furthermore the account be closed , the debit card cancelled immediately with written confirmation that this request has been actioned and any surplus funds to be offset against my credit card account. If this is not done i will proceed to make a claim against you for this amount plus interest and costs. if anyone can help or advise id appreciate it x Thanks x
  12. Hi Could somebody please advise i want to request unauthorised overdraft fees back but unsure how to approach .... Banked with lloyds several yrs , have a c card with them , in april this year i got made redundant i am now on income support , i currently pay lloyds £1.00 pm on a 6.5k c card , in june they took the minimum payment for c card out of my account without me knowing and nearly wiped me out so i set up a new account elsewhere , i cancelled all d.d etc but i forgot about a subscription to equifax which uses my debit card they applied for £6.99 a month fee this put me - £3 , all the letters they were sending i presumed were for c card so left them unopened , however i eventually opened and saw it was overdrawn and paid £20.00 in , since then they have charged me £39.00 & £45.00 plus intrest which amounts to afew pounds and is continuing , my concern is i recieved my redundancy at beginning of june which was 2K , i didnt have time to stop it going into lloyds account and i immediately transferred it to my mum , i no longer have this as i had to use it towards mortgage arrears. but because they saw the money and i already owe 6.5k will them seeing this money affect my position to claim ? i need to sort this asap before it gets bigger and more out of hand any advice would be greatly recieved . x
  13. update : went to benefit review , the women was new and lovely , there computer was not saying a date to come off income support even though my daughter is already severn she updated with college and said i will eventually get a letter to come off income and then we can discuss whats available , i may have already finishe college by then ! so all ok panic over but thanks for your advice anyway xxx
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