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fryman

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About fryman

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  1. Found some more interesting information: My credit Card Statements: Nov 2009 shows that that I paid the minimum payment and was fine Dec 2009 has a late payment charge on it ( first payment missed) Jan 2010 has payment request for this month and for Dec 2009 payment Feb 2010 request payment for ( dec, Jan and feb) Default date on my credit report is 05/01/10 When I had only missed Dec 2009 payment, Is this correct?
  2. I have just discovered these facts: On my credit file its shows a Default Date of 05/1/10 The default letter I found: Dated 14/01/10 THIS IS A DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974, later on in the letter it says I can remedy the breach by paying the amount by 31 January 2010 Also found a letter Dated: 10 May 2010 FINAL DEMAND Stating I have 14 days from the date of the letter to repay in full or make a proposal. and if fail to comply debt collectors will be instructed and default details passed to CRA's
  3. I spend months and months trying to prove this, even asked the FOS and the police, but believe it, that no one was interested, just kept saying the correct pin was used so I must have known about it. To be honest I got so tired and run down trying to proof all this, that is why I left and thought what more can I do. I just need that default removed if possible on any ground where HSBC have failed.
  4. Hi there, I know this is a very old post wondering if someone can help, On my credit file its shows a Default Date of 05/1/10 The default letter I found: Dated 14/01/10 THIS IS A DEFAULT NOTICE SERVED UNDER SECTION 87(1) OF THE CONSUMER CREDIT ACT 1974, later on in the letter it says I can remedy the breach by paying the amount by 31 January 2010 Also found a letter Dated: 10 May 2010 FINAL DEMAND Stating I have 14 days from the date of the letter to repay in full or make a proposal. and if fail to comply debt collectors will be instructed and de
  5. I was out the country and He just took my cards and used them, claims it wasn't him but I know it was. I explained to bank but they said, as the correct pin was used I can't do anything.
  6. Please can someone help, I've read so much on these forums but can't seem to understand my next steps, Am trying to get HSBC to remove a default notice off my credit file, as my mortgage has double. They chased me for over a year and ignored them, I had some letters from Moorcroft and maybe other DCA over a year ago stating stuff like HSBC had sold the debt or they would take me to court etc, but I just ignored them. but its been quite for the last 14 months, as I ignored everything. Debt was rung up by my husband and then he ran off while I was away and I told HSBC it was
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