I have a savings account with another HSBC subsidiary that they in theory could have offset against. I'm surprised they never did, It didn't really strike me as a possibility in the past. I have my ISA with HSBC, a Car Loan that i'm currently paying monthly, my credit card, I've just had a mortgage approved by them. It's almost like they never linked the two accounts together? Could they buy the debt back and offset against my savings, which is the deposit which i'm getting a mortgage based on.

Dx100uk suggested that I wait till the debt is statute barred before I start rattling sabers. The debt is now 6 days and 1 month away from statute barring.

Just had a letter with a final warning. If I don't respond by November 1st. They will carry out their decision which is either legal action or pass it to a specialist debt collector who may come see me in person to discuss repayment. Their offer also include a 50% full and final payment of 4k.

Another week down, 10 days and 1 month now till the 6th birthday of acknowledging this debt. Every day now I'm expecting that Bryan Carter letter. Crossing fingers! Not heard from Hamptons since that letter 2 weeks ago in October. Quite surprised I haven't had a second chase letter. Hope everyone is well! -Loke

Second letter from Hamptons today. They are now assessing my account to decide their options. It depends on the amount owed etc etc. Then goes on with the usual threat o gram re CCJs. We're now 1 month and 2 weeks away from a statute barring.

Ecollections have just notified me they are returning the debt to British Gas due to the dispute with the Original Creditor. I contacted British Gas again to make them aware that they are using a DCA to chase a disputed debt. They say the onus of proof is on me, and if anyone has used my name for utilities that's a dispute I need to raise with that person, not BG. Clearly it must be the creditor who must prove they are owed moneys?

The doorstop visit was one of the possible results of the CCJ

Just had the compulsory Hampton Legal letter through with we May pursue this in court, this is what may happen threat. So I'm assuming another threat-o-gram. Awaiting next one, we're now 2 months and counting to statute barring.

They have provided copies of statements, which are attached in this thread, and a scanned copy of the signed CCA without any terms and conditions.

I don't think I did. I certainly can't remember seeing one. I did move around a lot back then, but I kept HSBC up to date with my address. I don't know how well they share information between each branch of the bank though.

I didnt know about the PPI really as it was tackled on without me realising, and being stupid enough not to read through the documents properly. when I got a letter from them saying our internal routines shows that you might not have had the PPI terms and conditions through we're offering you to cancel it. when I asked the local branch to do just that, they point blank refused no matter how much i waved the letter. I disputed it and refused to pay the debt going forward. This was roughly in December 2008. I had a default letter through years ago, but no real attempts to contact me no phone calls, no letters. I had a letter from a DCA asking for £25k a few years ago which they had calculated based on 30+% interest or something, I just ignored that one. I've also held a savings account with more money than the debt with HSBC which owns the OC (HFC) as I didn't know they could offset. My current account, ISA, Credit cards and regular saving account is all with HSBC (First Direct) so It's not like I've tried to hide. I believe in paying back what I owe, but I think I have a genuine dispute here.

The debt is for ~£8000, there is a PPI attached to the debt, and I had a letter from Original Creditor stating they would remove the PPI as they had not given me the terms and conditions when the loan was taken out. But when I contacted Original Creditor about this they point blank refused and I put the debt in formal dispute. Last payment on account was December 1st 2008.

Is there anything I can do to slow this down, I really don't want to deal with this in court.

I know that it's the next bloke down the line, but I've not seen that line before: Our recommendation to Hampton Legal is to apply for a CCJ. Just wanted to know if anyone else have seen that, and if they actually went through with it as I now have 2.5 months away from a statute barring of this disputed debt (Dispute with original creditor re PPI).

Just had another letter from Red stating they are now escalating it to Hampton legal with a recommendation to apply for a CCJ. Then it goes on about the ramifications of a CCJ. Threatogram?

I once lived at an address with a flatmate. Unbeknownst to me this flat mate registered utilities in my name after I left the house, and didn't pay the bills. I moved in with my girlfriend at her rented accommodation. British Gas is refusing to remove the defaults till I provide a contract for the new accommodation I lived in. However as I moved in with my girlfriend, my now wife, the contract at that location was in her name as was all the utilities. I've formally disputed the debt with British Gas, but of course these 2 defaults are hurting my credit rating. I also get annoying emails from Ecollection. I wrote to British Gas and stated that I didnt live in the venue at the time, and it has nothing to do with me. I offered as a gesture of good faith to settle the debt on behalf of the actual party owing it, if they would remove the defaults. But they are refusing. What would you guys advice to do? the 2 Defaults was for gas and electrics and been on my credit file since 2011. The amounts are roughly £100 and £200. Lokur

I've put together most of the data I need for the PPI claim already, should I wait till over Christmas to submit that then to make sure the debt is fully statute barred?

Anything I should do to string them along? Ask any questions, or just ignore them? They could in theory take me to court before then right?

Last payment. The debt defaulted over 6 years ago when I unfortunately lost my job as many did in those days after the credit crunch started hitting. I got new employment and started payments up again, and the last payment on account was December 01 2008 and I disputed the account with HFC. I recieved a letter from HFC which told me that they might have added PPI to my loan without giving me the terms and conditions, and offered to have it removed. But when I called up to take them up on this offer I was told no, and this is the reason I disputed the debt and stopped paying. Forgot to mention: I forgot cancel the direct debit, so there was a bounced payment in January and February in 2009, which shows up on the accounts as payment/reversal of payment. The reason they bounced was that I was the victim of identity fraud and my account was emptied out over christmas that year. HSBC who I was banking with refunded me all the bounced DD charges and the stolen moneys 6 months later.

The Debt is statute barred as of 2nd December in 3 months.

The default was on my credit file, but expired in January/February this year.

Another letter, from Red this time. It states they have my credit file and if I don't pay they will pass it over to hampton legal with their recommendation. It offers a 70% discount on the debt. It ends the letter, respond within 03.09.2014 or they will instruct Hampton legal. I believe Hampton Legal is their in house team yes?

I think you should ignore the poster giving different advice on this one, as I have a feeling he's working on a different agenda than me....I have a vague feeling he might be a debt collector or similar wanting to stir up trouble. Andyorch or someone much more experienced in these matters than me could help you better though. -Loke

It's not absurd at all, there are many reasons someone might be unable to file a defense on time. However nothing in that excerpt states that the judgement is irregular or regular?

Irregular Default Judgments The law distinguishes between two types of default judgments: “regular” and “irregular” judgments. A default judgment will be irregular if it has been entered when: The defendant has filed an acknowledgement of service or a defence; The time for filing the acknowledgement or defence has not yet expired; The defendant has made an application to strike out the claim or for summary judgment; The defendant paid off the whole claim, including any costs and interest, before judgment was entered; The defendant has filed an admission to the debt and asked for time to pay. A default judgment entered in any of these circumstances is not valid in law and the court must set it aside. I bolded the relevant entry, hence why I think the judgement will be irregular as he acknowledged and chose to defend all, the key word there is OR. I might be wrong, but maybe somene more knowledgeable than me like Andyorch can confirm?