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iamgnome

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About iamgnome

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  1. Thanks DX really appreciate it. I'll wait on the SAR now and come back if it's bad news.
  2. Hoping it's the good truth. Can you guys still help with defence, if it goes court without the unlawful fees argument?
  3. All I know is when I went to HSBC in 2017 they said a figure and it was in the region £200 that I owed, hence why I assumed that I didn't take anything out but I honestly can't remember if I did because I had a different job and bank account abroad. After all this, is it likely they'll send a letter of claim out? I mean, in the first prove it letter they still gave me a 50% discount, so I'm having a lot of trouble believing what's true lol.
  4. Okay that makes sense. So for arguments sake, if the SAR does show that I took money out to the sum they're saying, then how screwed am I? I still don't believe the sum they're asking for is true but it sounds like I've got no defence if the SAR statements say otherwise!
  5. Dx, All, just a few more questions whilst I get this SAR ready... About the termination notice, it seems fishy mainly because it doesn't have a precise date for when they would have closed down my account just a threat of going to DCA if I didn't respond in 18 days. Does this make the debt unenforceable? Also they haven't provided T&C's or an overdraft agreement, that must make it totally unenforceable right? Or might an SAR provide this to me, if so doesn't this shoot me in the foot? Thanks again!!!
  6. Sorry lol, I forget how things worked here. Won't hit quote. Statements are from their software, not HSBC's headed paper. I'll work on the SAR. Should I get that done before I go the FO, S? Not sure about the withdrawal, it was long ago. Either way definitely not how much they're saying it is. I like to make Cabot sweat especially after they pulled the phantom payment. Default date is June 2016.
  7. That I have no idea. It shows that I've taken out funds during my time abroad, but that I don't remember doing or if I did it would've been negligible not to the sum of 1.3k.
  8. Okay sounds good, so they're lying as usual. If this does go to Court and they show statements with little in the way of fees then is it right to argue that they're doctored or something similar? Or does the fact that it got closed and sold to the DCA mean it's already irrecoverable? Also when taking it to the FO,S I know you didn't advise this, but generally are they sympathetic to us?
  9. Okay well that's good to know, I had to go ahead with the process nonetheless despite your good advice I'm afraid (I'm also getting help from family and they want me to clear my record or at least try). No other credit with HSBC other than a credit card but that was fine not defaulted. Is the above generally okay though, or have I missed something?
  10. Hey thanks for this! So... Long story short, to help with getting a mortgage, I was told to get rid of the default or find a way to not leaving it hanging in the air. So I've taken some extra actions and thought it would be good to get your thoughts on this... Since I last posted here the debt has gone through 5 or 6 different companies but eventually returned back to Cabot. I sent them a prove it letter and also said this was fees and I'll contest at court etc. They returned with 'evidence' which consisted of a fake looking termination notice, a phantom payment made after the defa
  11. Understood, sir. I will not respond unless this letter arrives.
  12. Hello everyone. I got another letter from Cabot today. They claim I could send them a final settlement offer which 'will see your balance paid off at a reduced amount, and it will be marked as such on your credit file'. Is this worth disussing? I understand they won't win in court but will paying off make a credit report look better? Thanks!
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