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blissfulbabe

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About blissfulbabe

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  1. I'm having exactly the same issue with Eversheds/ Fairfax, relating to an overpayment over 10 years ago. I've already told them verbally that the debt is effectively statute barred - this stopped the phone calls and the letters for a few months but they started again last month. They have tried to contact me numerous times by phone - how sad that my answering machine doesn't work and I've been at work every time they've called - fortunately I'm off for a few weeks so I might have the pleasure of talking to them. When they do manage to get hold of me I won't be answering any of their
  2. Having been on a DMP with the CCCS for the last four years I understand entirely the position you find yourself in. The truth is that, if you are not meeting your minimum repayments, you are probably going to get multiple defaults so your credit record isn't going to look too pretty for a while (mine is enough to give anyone a heart attack!). Defaults only stay on your credit record for six years so Egg will be doing you a favour - the earlier they issue a default the earlier it will drop off your credit record. Most of my creditors defaulted me over a six month period and the last o
  3. Thanks for this - I have cobbled something together but if it is not successful I will definitely adapt this. Thanks for your help.
  4. Hi guys Is there a letter template to send to an original debtor who has sold the debt but insists on still updating your CR? I had two accounts with HSBC who sold them to CL Finance. Both companies are updating my CR, which shows me to have four defaults instead of two and to owe approx £18K more than I do. I have had a quick search (and will do a more thorough one later) but if anyone has a link to an appropriate template I would appreciate it. Thanks in advance
  5. Poppynurse - I found myself in a very similar position about five years ago. Before starting my course I made a subject access request (costs £10) to the data controller for the police force for the area that I lived in when I was 16. I specifically asked for all information covering the time period when I lived at that address. Because the offence should have removed after 10 years my record was corrected to show no cautions so I have a clean CRB - this link might help: Youth Information Criminal records
  6. I received a default from HSBC in 2005 for quite a large debt. Two years down the line they sold the debt to CL Finance. Looking on my Experian report yesterday I have two defaults for the debt - one from HSBC and one, dated five days later, from CL Finance. At no point did I receive any correspondance from CL Finance about the default and they didn't even own the debt on the date of they have used on my CR. I wrote to them asking them to remove the default within 21 days and they have written back to me to say I have to send a copy of my report to them before they can start to investiga
  7. Thanks to everyone on this site I have, in my grubby little hands, a cheque for all my charges, plus interest and court costs! A donation will be winging its way as soon as the cheque has cleared.
  8. Thank you for that very useful information.
  9. I've been having a bit of a mull over this (I KNEW this would be stuck in my head!). I've decided that unless payment is made by one of the methods I have stated in my letters I'm not going to let this go. My reasoning is this: 1. The money was taken from my account unlawfully in the first place and HSBC don't have the right to help themselves to this money again. 2. Yes, it probably says in the orginal contract they have the right to offset from one account to another but: a. this money isn't in an account owned by me - HSBC have it (unlawfully) b. we already believ
  10. I've been having a bit of a mull over this (I KNEW this would be stuck in my head!). I've decided that unless payment is made by one of the methods I have stated in my letters I'm not going to let this go. My reasoning is this: 1. The money was taken from my account unlawfully in the first place and HSBC don't have the right to help themselves to this money again. 2. Yes, it probably says in the orginal contract they have the right to offset from one account to another but:
  11. Oh dear! I hope this isn't the case. When I sent off my prelim letter in I asked for payment by cheque and NOT into any HSBC accounts because I have 3 accounts I have defaulted on and I don't want the money disappearing into them. I have a DMP with the CCCS and HSBC is just one of my creditors - I don't see why they should be treated as a preferred debtor. HSBC only have this money because they took it unlawfully from my account so surely they cannot decide how the money is returned, especially as I have been so explicit in saying how I want this money repaid, in all my letters.
  12. Gosh, that was a darn quick reply!. I didn't sent a list of charges with my claim so I will email the list to Debby and follow it up with snail mail. Thanks for the advice.
  13. Hi folks and thanks for hosting such a great site! I have followed the guidelines on claiming back bank charges and have got to the point where I have issued a MCOL claim and have had the acknowledgement service stating the bank are going to defend (Iwas expecting this but it still gave me a bit of wobbly moment!). I have received a letter from our Debby at DG solicitors asking for a breakdown of charges I am claiming for. Is this normal and should I do this? I am claiming approx 2.5K plus interest and this money would come in very handy as I am going to have to move soon and am str
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