iamgnome
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Everything posted by iamgnome
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Thank you sir! You've lightened a lot of my stress!
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Ah I should've explained. I mean to the vetting agency.
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Okay thank you! I was told the sum was way lower by HSBC so I'll probably need to investigate that. Any thoughts on what I should say RE: showing evidence of repayments?
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Sounds good. Is it worth mentioning that the DCA have jacked up the owed sum and that they haven't asked HSBC to find out the actual sum? My worry is that the vetting team will look for evidence that I'm not avoiding the debt/I'm making means to pay it. Obviously I shouldn't pay it based on your previous advice but I do want to look as good as possible to the vetting team. Any thoughts?
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Okay thanks a lot dx100uk! If I get the job a big donation coming you guys's way. The OD was around 2015. But on my credit check it's still pretty recent thanks to Cabot buying it a few months ago. Does that affect things? Ah looking at it now... The default for the OD was in 2016 but Cabot seems to have listed it only a few months ago. I literally have a string of 0's until it pops up for the last few months
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My bad, thanks for that! I will do for the future. SC is a security check for certain jobs? They check your criminal and credit history amongst other things.
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Hi guys. I made a post before here about my HSBC OD fees being claimed by Cabot. Recently I got a job offer but need to do an SC clearance. I heard my default from here will come up on it. The problem is HSBC originally closed this account and because of Cabot it still registers as default with a highly inflated fee that I supposedly owe. Is there any way to mitigate this? I don't want the people reviewing the SC to think I'm ignoring this debt nor that the number Cabot shows is correct. Thank you so much!
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Got it - thank you!
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OK that sounds even better. Thank you. Would you recommend I send a CCA request?
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Understood! Thank you so much. You've helped me a lot, I'll get a donation in after I find myself employed again.
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OK, understood! And about court claims - what should I do in this situation?
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Thank you sir! I'm new to this world so all your help is greatly appreciated. Am I right in understanding that if the account was closed due to overdraft fees etc then there is no legal basis for them to chase me?
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Hi everyone - I'm in a sticky situation. I went to live abroad for some time in 2015 and I'm back now. I was sure before I left that my UK HSBC account was at 0 but it wasn't due to some overdraft that I gone into without knowing which later led to the account being closed. I just received a letter from Cabot today saying that I owe them a balance of £1347.86. I spoke to HSBC earlier in 2017 and they said to me that the account in question was closed and that I owed something in the region of £200 due to overdraft. I can't remember the exact details but I assume they said the debt was written off, otherwise I would've paid the debt right away then. This also makes what Cabot are saying quite confusing because they're saying I still owe this debt and that the fee is larger than I was told by HSBC. I phoned Cabot right after I got the letter and they told me that it was probably Direct Debit that caused the fee to be so high. I had no Direct Debit and I never admitted liability. I asked whether they have the T&C's of the agreement I had with HSBC, to which they said no. I also asked if I could have evidence of the debt but they said they didn't have anything on their side and they'd need to make a dispute with HSBC. For that I said, I'll contact them myself and get the details so they'll put the account on hold. What do you guys think? Someone told me to get this all in writing sent to them either in email or post. Should I do that? Please let me know what to do since I have no idea! Many thanks in advance.
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