Having recently (well, just before Christmas) scored just under 7K from Monument for payment break protection payments, i have recently remembered an account i had with The Midland Bank which was some kind of revolving credit arrangement. This was many many moons ago and i cannot remember the exact details, however i do remember that the loan itself was in the form of two credit cards, one Visa and one Mastercard. Another thing i distinctly remember is the branch manager at the time telling me i would 'need to protect my payments'. I don't know if this does fall into the category of a loan or a credit card, but are you of the opinion that this is something that should be looked into? I'd appreciate any input. Many Thanks Nick

Hello All, I would request someone's help on how to proceed my case in the court. I have made overseas funds transfer from my HSBC account to one of my Indian friend account on Sep 1st 2016. I have received the confirmation from HSBC about my debits to my address but the transfer did not happen from their end. I understand there are some processes they have to follow it, but I feel which is not properly streamlined and it’s really putting the customer into frustration. It was an emergency situation that I need to support financially through this fund, but because of the issue and delay made by HSBC bank, I was pushed into very worst situation. I had come across lots of confusions and lost my reputation around my family and friends in my native place. The beneficiary did not receive my payment for more than a week, wherein I have received the confirmation papers from HSBC about my debits. I thought it’s a problem with beneficiary account and was in confusion. I waited for few more days but the situation was same, beneficiary lost the trust on me which I promised them to help on his emergency. They thought I did not do any transfer and I am just saying. I thought they have received the payment and they are kidding me. Later the situation went worst with multiple arguments between us. And I was really ****ed off and called HSBC on 8th September and I got to know my payment was kept on hold for some review. And I was completely upset and disappointed because of the bank issue it had created lots of problem in my personnel life. I explained them the situation, also I have questioned them why it was not informed to the customer when they keep their transaction on hold and there was no proper response from them for my queries. The customer executive promised me someone will call from payments team within 24 hours as this is an emergency transfer. But nobody had called me within 24 hours from the time I called them. I hope they tried to reach me after the timelines that they have promised to me but I couldn’t pick that call. Later no call back from them and emails from them. By this time I have lost my peace and my reputation was already spoiled with my people, as I couldn’t help the emergency situation; I couldn’t keep up my words and promise, Moreover my relationship bond with the beneficiary was broke because of this. I was completely upset, mentally stressed and hurt. Even after a week later there was no update from bank, I called them again on 13th Sep the situation was still the same, and they collected some information to proceed with the transfer. I have given all the information they wanted from me. That time my only intension is to prove the beneficiary that I really tried helping them. After providing all the information to the bank I requested them to release the funds as quick as possible. But no luck with that calls as well. I have called the bank again on 16th Sep (not sure on this date) to check the status and it was told by them the information’s that they collected from me was not good enough to release the funds, which made me mad. I questioned them then why did they collect those and when they feel it’s not good enough why can’t they collect the required information, but again no response. Later I told them to cancel the fund and put the money back into HSBC Advance account which got credited on 20th September. In between I launched a complaint also in HSBC around 13th Sep and I got a response for that complaint on 6th October 2016 almost a month later… Meanwhile I have arranged the funds in India through different source by paying the extra excess interest. And for almost a month I was mentally stressed because of the problems I had with the beneficiary as they are very close relation with me. I was fully upset and couldn’t concentrate on work or anything, which could have led me to life damaging event. And to solve these issues I have travelled to India on November by taking leaves.. And I have filed complaint with Ombudsman in November regarding this. After collecting all these information and multiple reviews they have come up with saying 250 GBP can be paid as compensation. But before even filing with Ombudsman, HSBC staff called me and tried to convince me with the compensation of 30GBP, for the situation that I have been put through because of their mistake. I detailed him because of the bank mistake what all issues I have faced and moreover I have arranged the fund in my native to help the beneficiary by paying extra interest money along with the principal fund. Then he tried to convince me by increasing the compensation by equalising with the extra interest I paid in my native, which is 120 GBP. I did not accept. But Ombudsman Took almost 9 months to drive and finalised 250 GBP, which is not fair. Here no body has considered because of bank mistake how much it impacted one personnel and professional life which has put them on mental stress, loss of relationship, loss of reputation, more I have spent extra amount on arranging funds in India, I have travelled to India on my own cost, I have used my vacation leaves for this purpose, I feel all the above factors to be considered for compensation. I have spent almost 350 pounds for my air tickets, 242 pounds as extra interest in India, ten days of salary 1000 GBP, so total of 1592 Pounds I have spent for fixing the issue, But the pain I went through for that duration, which damaged my life with loss of reputation, loss in relation, mental stress, all these are to be considered. Please advice on this

Hi all HSBC Mortgage Repayment Protector I recently submitted a PPI claim via Resolver to HSBC. I received a letter within the 8 week time frame to say that their 'completed searches found NO EVIDENCE to confirm Payment Protection Insurance was attached to any products held with HSBC'. I was surprised at this as I had given them as much detail as possible without being able to give them a policy number. Not satisfied, I called HSBC direct and started a new process giving them the same detail as I had listed in the Resolver claim. Within 3 weeks I received a letter saying I had taken out Mortgage Payment Protector and they supplied the policy number and the start date (30th May 2003). I now have the information I need to pursue a claim based on the fact at the time I took out the Mortgage Payment Protector I was self employed. I do not have a copy of the policy but understand certain policies were not suitable for the self employed - please can anyone confirm this and should I claim anyway? As a side note, the two letters I received from HSBC both have the same HSBC reference number. I wonder how many people they just fob off with a letter in this way.... Thanks in advance for any advice given. D

Hi there, I have received a few letters from Restons now regarding a credit card debt from 2012/13, passed to Arrow and now to them. I wont go into the particulars, but as I was unable to meet the balooning minimum payments and issues with work left me stressed worried and stupidly with my head in the sand. Now, finally back on my feet in the position to start saving for a house, Restons solicitors get in touch mentioning impending court action. Please help me avoid a CCJ! I have a CCA request with the £1 postal order ready to go to Arrow, just wondering what to do with restons - wait for the court papers? Many thanks in advance Name of the Claimant - Claim not yet received Date of issue - Not yet received What is the claim for – Not yet received (HSBC credit card) What is the value of the claim? Balance was 2,500+ Is the claim for - a credit card When did you enter into the original agreement before or after 2007? - after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? - I cannot recall Did you receive a Default Notice from the original creditor? - I believe so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No Why did you cease payments? – 2012ish What was the date of your last payment? 2012ish Was there a dispute with the original creditor that remains unresolved? Not that I can recall Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Just to point out, I don't want to get out of what I owe, I do not have any documents around the credit card, the default not the transfer to Arrow - just what Restons have stated. Having researched this company and how they and arrow go about their business, I have an instant distrust for what they say, a disliking for how they go about their business and want to make sure I going about this in the best way I can. Thanks Again

I wonder if anyone can help me regarding a claim form my daughter in law has received from Shoosmiths, regarding an overdraft from HSBC bank. She has sketchy information and is suffering with cancer so difficult to find out too much regarding past details. I know she had a £5000 overdraft on her cleaning business about 7 years ago. The debt was passed to Arrow Global in 2012 (this information is from Experian) and the sum owing says £5500. On the claim form it says the debt was assigned to Arrow Global in 2016 and the debt is for £6000 plus £600 for court costs. I didn't think they could add anymore charges once an account was defaulted? She did send a letter to HSBC we think in 2011 to ask for a consumer credit agreement but HSBC said they didn't have one, unfortunately she doesn't have a copy of that letter. Also she thinks the account hasn't been paid or any communication for over six years which I understand would make it statue barred? She received the claim form on the 12th June but the date on the form is 7th June so I am assuming she has until the 21st June if she is defending it and 21 days if admitting it. She wants to send Shoosmiths a letter telling them it is statue barred but I wonder if that is the best way? Any advice would be greatly appreciated.

Hi everyone. I hope your all ok �� So last Saturday I rung up HSBC to order some copy statements for Closed Current Account 2004-2015 and Cash ISA 2010-2017... She told me there will be a charge (Didn't tell me what the charge was) and it will take up to 40 days for the statements to arrive but will more likely be 5-7 days and can only order from 2007 I accepted the charge and gave her the account details of an account I wanted charged... On Monday rung again as not been charged yet, another lady said it's free as you don't have HSBC current account and you will get staments in 5 days. On Wednesday I Recived 2 A4 envelopes with a bundle of paper and cover letter. They were online printouts of transactions of all my accounts Curent account 2005-2015 Cash ISA 2011-2017' like they print for you in branch' the envelopes were badly damaged/sealed... So rang the bank/went to branch today Told them what happened and Ordered duplicate statements July 2011-2015 and all of Cash ISA will ring tomz to order rest as can only order 50 statements a day' hopefully they will be like the ones u get in the post and will take up to 5 days So why did I get online printouts like you get in branch instead of duplicate statements which I asked for? Or will I get 2 sets of Dupliacte Statements? Why did the lady say 40 days for statements to be delivered?

Long story short, CCJ for just under £9000 which dropped off the file in December 2016. HSBC have put more effort into chasing the debt after the 6 years than they did before! Latest letter received threatens a debt collection agency if they dont make a payment (reduced settlement). Im pretty sure that they have had their chance and would need to go back to court and explain why they didnt try to enforce the CCJ before, am I right?

Dear All, I received an email today from Stockslegal stating I have not responded to previous nor arranged repayment of my outstanding liability. In the circumstances our instructions are to commence legal proceedings against you.. It goes on to say in terms of prospective legal proceedings they ask me to please note that our clients position, HSBC, is fully reserved in terms of the choice between a) Debt revery proceedings or b) Bankruptcy.. There is some more info giving me another 7 days to make proposals to pay the debt. Then the last paragraph says please note proceedings will be served at your last known place of residence. If we are successful in obtaining a judgement against you we will seek to enforce the same against you to recover our clients debt. Can enlightened readers kindly share their thoughts and advice as this has of course got me very worried. I am not in a position to pay the full debt back unless over many years and I cant become bankrupt or I may lose the house which my family needs to live in, and this would put me much further into debt. Many thanks. They have also emailed my wife directly, surely this isnt right. How on earth they got her private email address when we were not together at the time or indeed is this anything to do with her.

Apologies if this is in the wrong forum, I have spent many hours going back through statements and other related paperwork. I have kept every scrap of paperwork so have proof of everything I refer to below. I would appreciate your help in what to do next. I have tried to summarise events as best I can. The things that stand out to me are the Mortgage Protection & Income Protection did I really need both and that Norwich Union would pay the bank commission for arranging the policy. There just seems too many Critical Illness/Life policies at this time the total we owed around this period was about £45,000. Looking at it now it just seems over the top. I am no expert and will stand corrected obviously. I would really appreciate it if someone would take the time to have a look through and advise what I should do next if anything. If there are any questions then I will do my best to answer them as soon as I can.Thanks in advance. Regards Will INCOME PROTECTION, ENDOWMENT POLICIES, CRITICAL ILLNESS, LIFE POLICIES 1984- 07.10.08 CIS Cooperative Insurance Policy Number xxx6695 This was the Insurance policy against Endowment Mortgage account Number 40-xx-xx xxxx2998 (xxxx8196) Interest Only Mortgage Guaranteed Death Benefit/Target Amount on maturity £19,000 CIS Premium: £39.06 15.08.94 Midland Repayment Protector IPT will increase your MRP premium from 1.10.94. your monthly premium £10.47. 20.09.95 Midland Life Mortgage Endowment with Critical Illness Benefit Plan xx4339R To be issued by Midland Life Limited on the lives of Myself and Wife. 1995 - 2006 Cover £10,000 Term 11 years Monthly Premium £60.30 03.10.95 Midland Level Term assurance policy with Critical Illness for Me sum assured of £52,054. On a Single Life basis for a term of 18 years. Policy xx9914L-01 1995 - 2013 £34.06 per month. 03.10.95 Midland Income Protection for Me after 26 weeks Premium £11.52 per month. 03.10.95 Norwich Union Healthcare will pay Midland Bank commission for arranging policy. 01.12.95 Norwich Union Healthcare Safeguard Income Protection Policy Number Insured me xx8593Scheme 26 wk DP/IND Link Monthly Benefit £518 Premium £11.52 10.04.96 Midland Mortgage Repayment Protector (MMRP) Insured Person Me Policy Number. MBRP xx9966 Monthly premiums £8.70. 04.09.1997 Midland Life Policy (Joint Policy)Mortgage Protection Plan with Critical Illness and Permanent and Total Disability Benefit Policy Number xx9542B Insured Persons Myself and wife Amount of Life Cover £10,500 decreasing over the term of the policy. Commencement Date 02.09.1997 Expiry Date 02.09.2007 Premium £13.68 20.10.2000 Norwich Union Healthcare Safeguard Income Protection Ref xx8593 (HSBC-was Midland 31.10.95) Commencement Date 01.12.95 Monthly Benefit £575 Premium £ 21.53 April 2005 HSBC Letter Mortgage Repayment Protector Policy MBRPxxx849 To say that the policy is administered on behalf of the Insurers by FirstAssist Insurance Services Limited, future DD will be collected by FAIS Limited instead of Royal & SunAlliance, w/c 22.05.05 12.04.06 HSBC Mortgage Payment Repayment Protector Policy Number MBRPxxx849 Monthly Benefit Increased from £550 to £1,300 Monthly Premium £77.22 (27.04.06) 20.10.09 Aviva Income Protection(see 03.10.95) Midland Bank/Norwich Union Agent Name HSBC Bank Plc Policy Number xx8593 Premium Monthly £32.67 Payment Due Date 01.12.09 Monthly Benefit £733

Hi Going through some old files and have come across a file of my husbands. He disputed his GM credit card bank in 2008. After a number of letters they failed to provide him with a signed copy of the agreement. There are a number of letters between him and HFC and I have noticed a County Court Summons was issued on 6 Feb 2009 by HSBC bank for the total bank of £11,000. My husband has filed a defence, acknowledgement received from the court dated 21st April 2009 and an allocation questionnaire was returned to the court on the 7th May 2009. He has heard nothing from the court since In March 2011, a couple of letters were received from Wescot Credit services on behalf of HSBC demanding payment or Wescot would take further action. This was not responded to and no further communication has been received. A couple of questions: 1. should we do anything about the County Court summons - I have tried to access the claim on MCOL but it says incorrect claim number of password, which is incorrect as we have triple checked before we entered the details? 2. Can we claim the PPI back from this card? Thanks in advance

Hi I'm new to this forum and was referred here by another member. I really need some help with a court claim I received through Northampton Court. After speaking to Northampton Court who advised me to make the Acknowledgment of Service and whether to defend or not. I made the Acknowledgment of Service on 19th April. The claim was issued on 10th April and I think I have until this Friday to respond. This is for a credit card debt that I have not used for over 7 years. Many thanks in advance.

I had a balance from a business loan with this bank, the business since ceased trading and naturally the bank wanted it repaid, but I dispute the figures the bank are asking and they have been pursuing me for a few years now, the only assets I have are my home. The situation is becoming unbearable as it has been going on for so long as the case is being handled by their team in India and it can take weeks/months for them to reply and it is clear there is a ''comprehension'' issue with information issued to them. Over the years I have paid for professional services and it seems nothing is being achieved, I feel I am being held to ransom as they have a 2nd charge on my home so I cannot move and feel any improvements or maintenance/repairs I carry out on the home are pointless and will only increase equity. The situation is unacceptable, how can I get them to see reason when they cannot even understand my situation, can they be allowed to do this? are there any guidelines they should be following?

Received Court papers yesterday from Northampton bulk for an OD from an HSBC account the missus left in 2008 (moved to Natwest Nov 2008) They're claiming £732, plus interest for 6 years 15/03/11 to 15/03/17 plus fees total 1233 Now, I don't have exact times when HSBC would have stopped the OD and recalled it, but obviously it would have been stat barred by now. But in 2010-2011 the missus, against my advice wanted to 'do the right thing' and and paid one of the previous DCAs (Wescot) some money per month. last payment was around September 2011. Here's hoping their paper trail is seriously faulty.... any advice please. I've a little idea on what to do. I would like to see if I could contest this and make them prove it isn't statute barred (make them come up with the paperwork) I need to do acknowledgement of service, then do I send a letter to the DCA and HSBC for info? thanks for any help I should mention it's Hoist Portfolio that are the claimants, Cohens are just the document address

Hi, I normally offer advice on the tenancy forum, and so am a bit out of my depth here.. A bit of background.. In 2010 my wife and I opened a Joint Business account with HSBC, worked well for a couple of years until the business started to drop off, and so there was no money going in for the last 18 months other than WTC and Housing benefit... final overdraft (official was £600) was £702. I was in correspondence with HSBC and told them that the whole overdraft was due to charges and interest, and that I was suffering. Their response was to tell me that the charges were applied within their guidelines. Next thing in 2015 was a letter from Arrow global which I promptly replied to, telling them that I was in dispute with HSBC and that their implied right of access was denied so don't bother sending a rent a thug round. Nothing heard from them until a Restons fishing letter or 7 at the end of last year. These went promptly into file 13. Then on Jan 29th this year I received a court summons from Northampton in the post. I promptly sent off a CPR31.14 request to Restons (signed for by them on 7th Feb) asking for agreement/contract default notice (I have never received one of these nor the annual ones) assignment formal demand (not received one of these from HSBC either) I didn't sign the letter but printed my name, it had the court hearing claim number on and my address. Monday as I had not heard from them I sent off a completed N244 form, draft order for directions and a witness statement to the court, as these had to be in as I have not yet filed a defense as awaiting the above documents.. this was received by the court yesterday 24th Feb. Today I had a letter from Restons with my CPR 31.14 letter enclosed. the letter was dated 21st Feb, and said: Please find enclosed a draft letter which purports to come from you but is unsigned. you will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to receive it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response. So obviously a delaying tactic, but how do I respond from here?. As far as I know they have not got a copy of my signature and I don't intend to provide them with one.. Any help will be appreciated.

Hi Ive just received a letter from Arrow stating that my debt with them (which i did not know i had) is now with Restons, I just called restons to find out what the debt was for and was told it was HSBC but passed to them from Arrow, i disputed the debt and was told that they would take legal action, I offered a settlement of £900 as the total of £1750, but it was declined Any advise please Thank You

https://cdn.ampproject.org/c/www.bbc.co.uk/news/amp/38688757

I'm posting on here as my query is related to PPI. Can anyone let me know if they've managed to obtain copies of old Midland Bank/HSBC credit card statements from the mid 1990's? I have the account number but no paperwork. I've read about one other poster on here who took HSBC to a small claims court in 2007, for non compliance over a DSAR and bank charges complaint. Has anyone else had a similar experience and had to take matters this far to get their data. I asked the ICO for an opinion and they accepted the bank's advice that they only hold statements from six years ago

I wonder if anyone can advise me of a contact number or help regarding a loan taken out pre regulation via Central Trust CT capital with Endeavour personal finance who are now HSBC HSBC blame Central trust as the broker - Central trust say they were not regulated pre 2005 so told me to look at the underwriter who were Hamilton Insurance. I believe they are now Aviva Insurance. I have telephoned many Aviva numbers today - they all tell me that they have never heard of a PPI claim with them as the underwriters?? Am I going mad? I really have no idea who to contact at Aviva

Ive been trying to find the telex code of HSBC Hong kong , for private reasons as of yet was able to find some in web, but was not able to verify the code officially, neither no officer or customer support was able to help in this issue is there a specific department, or any official way where i can clear this query

HSBC credit card. Opened 22/10/2012. Defaulted 14/04/2015. Sold to Westcott then to Arrow then to Moorcroft then finally to Capquest!! CCA request sent 28 October with no reply yet. Yes, my partner is in a bit of a pickle with his finances!!

Hello, I am in the process of trying to sort out my partners finances. He has several debts but I will post them in different threads. The first is 1st Credit and HSBC. I thought it was a credit card so sent off a CCA request to which he got a fairly standard reply that they were sorry he has a dispute and they would contact the original company for more information. Fast forward about three weeks and he received a package of papers containing a covering letter saying that debt relates to an overdraft and is therefore exempt from Part V of the Consumer Credit Act 1974; a facility letter; default terms and conditions (dated 2014) and a load of statements. I know I did the wrong thing by using a CCA request. Anything I can do to rectify the situation now?

Last year out of nowhere I received a warrant for execution for a CCJ that I had no knowledge of. It transpired that it related to an old overdraft with HSBC that I knew nothing about. The claim was filed by Lowell who had never contacted me regarding the debt at any time. I arranged to have the Judgment set aside and then proceeded to defend the claim. Judgment has now been found against me and I want to know if anyone can advise me as to what to do next. I have no knowledge of an account with HSBC and never used one. Lowell have not provided any application form showing that I opened it or used it. The only evidence they have provided is some copy bank statements from their own database. The account is in a variation of my name - not the name I used. I in fact had a different bank account at the time - have had it and used it for over 10 years. First question therefore - if they do not have an application form or any other form of official evidence - is that enough basis for a claim? I cannot believe that some print-outs from the claimant's own computer is sufficient evidence of anything but is there a legal authority on this point? Second point, the overdraft was "called in" in 2007 but the claim was issued in 2014. I disputed this as being statute barred. In response Lowell suddenly came up with a spreadsheet from their own computer database with payments supposedly made my me and therefore claimed that it was capable of being the subject of a claim. They have not provided any evidence linking me to these payments - they are just dates, amounts and say they were made by "standing order" (but no details of the bank they were made from). I have spoken to my bank and they confirm no standing order payments or payments of any kind were made on the dates they allege. Do they not have to show where the payments came from? I am now in the position where I need to decide whether to apply to have the Judgment set aside again and dispute it further but having already failed once I am a bit concerned about this. I cannot understand how they can have a valid claim when they have no evidence other than that mentioned above. How did the Judge find in their favour? I can't afford to make the application to the Court unless I have some solid evidence behind me to fight my corner.... . which is why I am posting on here. Can anyone point me in the right direction or give me some pointers on how to fight this? I have reported the account to Action Fraud but I don't feel that Lowell will investigate this properly as it is in their interest not too! If they find evidence of identity theft or fraud - then they don't get their money! I have also reported Lowell to the Financial Ombudsman as I think they are wrong to pursue a statute barred claim. Any help here would really be appreciated as I am at a real loss.

Hi all, have seen the contacts here: http://www.consumeractiongroup.co.uk/forum/showthread.php?74985-****HSBC-Contact-Information-**** Does anyone know where I can send a full final offer to? Thinking that I email a copy of the letter as it may be quicker? Thanks

Long story short. Returned from holiday in Florence in early July booked thru Booking .com to find an unauthorized debit (around £170) on our HSBC statement in favour of Best Western Hotel. Transaction date was prior to our departure from the UK, and we stayed at a B&B, not a hotel. CrCards cancelled & replaced to forestall further unauthorized debits. Immediately queried debit with bank, who magnanimously credited the charge, and will send us a form to complete. Never arrived. Two further enquiries at our local branch, and we were told we'd get it eventually. Nope, never did. Complained to both BWH and Booking.com - twice. No response from BWH, and Booking.com were next to useless. All they did was query the charge with our B&B (Locanda di Mosconi), who had absolutely nothing to do with the unauthorized debit. Now received a letter from HSBC saying that their investigations turned up zip, and the debit will now be re-imposed, along with charges, interest, etc. 'Phoned to complain, and advised to ignore letter, as it was sent prior to completion of their enquiries! Also assured that form will be sent this time. Hmm....... Sorry, but I just don't believe them. Sod's law stipulates that our a/c will be debited in around 2 weeks regardless of what we have been told, then a right royal battle to get it back again. Now seriously considering closing the a/c to forestall re-imposition of the fraudulent charge, which I thought was their baby. If we do that, can they still legitimately pursue us for the fraud? Any advice appreciated, & apologies for the length of the short version.

Name of the Claimant ? Hoist Portfolio Holding 2 LTD Date of issue 02/11/2016 Date to acknowledge =20/11/2016 Date to submit defence = 4pm Friday 02/12/2016 POC 1.This claim is for the sum of £4900 in respect of monies owing under an Agreement with the account number xxxxx pursuant to The Consumer Credit Act 1974 (CCA) The debt was legally assigned by MKDP LLP (Ex HSBC) to the Claimant and notice has been served 2.The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the defendant pursuant to s.87(1) CCA. 3.The Claimant claims 1.The sum of £4900 2.Interests pursuant to s69 of the County Court Act 1984 at a rate of 8.00percent from the 2/11/10 to the date hereof 2188 days is the sum of £2300 3.Future interest of accruing at the daily rate of £1 4.costs What is the value of the claim?£7800 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Pre 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? could no longer afford to maintain What was the date of your last payment? 2012 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes In 2012 I requested my CCA, they returned to me only generic docs, with no signed application or agreement form. I will send off tomorrow for CCA and CPA? Thanks