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  1. Name of the Claimant - H Cohen Solicitors, Hoist 2 Ltd. Original creditor MKDP LLp (Ex HSBC). Date of issue: 12th September Acknowledgement submitted. What is the claim for – the reason they have issued the claim? This claim is for the sum of £1089 in respect of monies owed pertinent to an overdraft facility under bank account number x. The debt was legally assigned by MKDP (Ex HSBC) to the claimant and notice has been served. The defendant has failed to repay overdraft sums owing under the terms and conditions of the bank account. The Claimant claim: 1. The sum of £
  2. 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 for
  3. Background - about 4 years ago we wrote a cheque but there were insufficient funds in our account. Rather than bouncing it, HSBC paid it and this put us into overdraft for £350. Long story short, they have been chasing this through various debt collectors and the debt was sold to Hoist, who have issued a claim against us. We filed a defence, which was that we don't have enough info to confirm or deny the debt and that we had sent a Subject Access Request to the creditor. They responded with a notice of assignment and copy of the terms and conditions. We decided ag
  4. Hi, An internet payment fell on a time when I had no money in my account to cover it because of work situation. Santander felt the necessity to charge me for an "instant overdraft request fee" and because I did phone and get it cancelled earlier this year (it happened before) they are "unable" to do it. they want to steal £25 off me this time because... NOTHING actually happened: the money never came out of my account, the internet company didnt get paid (because they sent me another invoice), my account has no overdraft capability, and santander feels I owe them £
  5. name of the claimant ? pra group (uk) limited date of issue – 05 sept 2016 AOS done 7th sept .filing the defence? by 4pm Friday 7th October what is the claim for – the reason they have issued the claim? 1. the claimant claims the sum of £1900 for debt and interest. 2.on 0i/12/89 the defendant entered into an agreement with lloyds for an overdraft under reference (here is bank sortcode and account number). 3.on 03/11/09 the defendant defaulted on the agreement with an outstanding balance of £1500. 4.on 24/06/13 the debt of £1500 assigned to aktiv kapit
  6. Hi just hoping for some advice please. My OH has had a default recorded on his credit file by santander. He closed his account in March with a £500 overdraft remaining. He started a new business and been in contact with them since updating them as he was waiting on first invoices being paid. He has been getting letters saying he needed to pay £520 as the account was still open but frozen so no interest or fees etc would be added but nothing else and each time he's called they've said it's fine and will put notes on the system - no-one has told him he would be getting a default
  7. I've received a letter saying around £100 plus another £80 of compensatory interest is to be refunded to my account reflecting a mistake in charging overdraft interest to my student account which I opened in 1998. I called the remediation operations as directed by the letter to sort out at least the charges, but the representative I spoke to wasn't able to help much, but she said that this should represent all interest charged to the account. It doesn't match up with even my last 6 years of statements, which total ten times this much, plus several charges. I've previously claimed my
  8. Hi, can anyone offer me some advice. I've recently discovered a default on my Credit file from 2014, i don't know why I've not seen this before, either blinkers on or I've just not checked thoroughly. Its for £154 from Lloyds, i moved bank accounts a few years ago and in doing so once the overdraft facility had been removed etc there was a negative balance on my account for £154, it was there for a few months and then paid once i had realised, so is settled but the default has been registered. I don't recall receiving a default notice for this at the ti
  9. Hello all, Have received claim form for my old student account overdraft- think i have a game plan and would like your advice. Name of the Claimant: Hoist Portfolio Holding 2 LTD Date of issue: 04 JUL 2016 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £2300 in respect of monies owing pursuant to an overdraft facility under bank account number The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing und
  10. Simple terms: Lloyds overdraft, defaulted mid 2011 balance around £600. Had a claim open for bank charges on same account which I was hoping might of cleared the od was of course declined with court ruling. Had been paying Lloyds £1 a month till 12 months ago when I moved from HSBC to Santander, have not paid since. Lloyds have now passed debt to Cabot who are telling me they will accept an offer. I am absolutely in no position to repay at more than £1 a month, self employed, private renter, skint... but could maybe pull a bit together in order to get them off my back. Now conside
  11. Back in December 2015 I received a letter from a credit agency (Wescot) stating that they were chasing a TSB debt of £4762. This came as a big surprise to me as I stopped using my TSB account about 6 years ago. I moved all my payments in/direct debits/ etc to a joint bank account (I did not close the account), so have not knowingly used the bank account since. I then moved house, but rather stupidly did not close the account. My only thoughts are that maybe I missed a direct debit, or used an online account that that was linked to that bank account!! I ask
  12. Good morning, I had a bank account with natwest bank. I have recently noticed on my credit file that the account defaulted on the 31/10/2011 for £831. I have now spoken with natwest and they informed that i was £1.41 in credit and a payment of £20 tried to leave my account. Because there was not enough funds i have accumulated this £831 in unarranged overdraft fees. They have offered me an offer of £332 to settle the balance. Now i am at a crossroad as this is affecting me getting a mortgage but i do not want to pay this amount.
  13. I have a Bank O/D which I just stopped using in 2011, transferred benefit payment to a basic bank a/c , they list on my Credit report at an old address as " sustained arrears over three months but you have agreed new repayments with the lender " which I haven't , I havn't been in touch with them for 5 years, BUT , they have taken to sending a new debit card to old address for the last two years, which I guess is a ploy to keep the clock ticking, but with overdrafts, I didn't think there was a clock ! I could advise them of change of address, but they can see that on Credit Refe
  14. can a bank charge unplanned overdraft fees, if account went overdrawn or exceeded overdraft limit because monthly charges were applied?.
  15. Hi there I'm looking for HELP on defending a claim I received before Christmas SO NEED HELP ASAP PLEASE CLAIM DETAILS issued on 14th December 2015 the account was started on 07/2001 Claimant - Hoist Portfoilio2? Cohen solicitors At Northampton CC Particulars: the claim in respect of £2,XXX.XX in respect of monies owing pursuant to an overdraft facility under bank account number XXXXXXXXXXXX The debt was legally assigned by MKDP LLP (Ex LLOYDS BANKING GROUP) to the claimant and notice has been served. the defendant has failed to repay ove
  16. Hi I am looking for a little advice on how I should deal with a very old Santander (Abbey National) overdraft. Many moons ago (2007 – 2009) I had an Abbey account with a £3k overdraft, which despite me having my salary paid into this account, they decided to withdraw the facility giving only one months’ notice. (I believe this was the annual account review and my credit file had some adverse records on it). I was forced to move my salary and setup DD’s in another bank quite quickly and wasn’t in a position at the time to clear the overdraft. During the t
  17. Received a claim dated 12/8/15 last month for an overdraft of £2675 (post 2007 agreement). After they first started threatening legal action back in April I sent a OFT debt collection guidance 'prove it' letter which I found on another thread. They finally replied to this in July by sending the following: chequebook request and specimen signature car registration document copy of driving licence application form (completed but not signed)/terms and conditions copy of an MBNA credit card statement which was provided as ID on opening the account They state in t
  18. Banking Error Gave Young Lady 4.6 Million Overdraft-What Would You Do? Could you be tempted to spend some. Lose your battle between the Devil telling you to get stuck in and go for it. Or the angel of reason telling you to go into the bank and say i think you have made a slight mistake. As you read this story and perhaps watch the video what is your brain telling you. Would you be planning to lash out,travel the world,take a chance. Where would you go or do,could you be tempted. Or plan to catch the bus or walk to town if no funds to tell them Oh dear what is this on my state
  19. Hi all, first time poster but long time lurker and admirer! I am a former Bank worker (not Halifax) so know a little about complaints procedures but now need your help. For background - My partner was formerly in an abusive marriage. Her ex was emotionally, financially and physically controlling. All of this is documented in court papers and he is not allowed to see my partner's child and has no parental rights. During the course of the relationship, the two of them opened a joint bank account with Halifax (before he became completely abusive). My partner's debit
  20. http://www.smh.com.au/nsw/the-simple-westpac-banking-error-that-gave-christine-jia-xin-lee-46-million-20160520-gozv5q.html Unbelievable true story linked above, where an Aussie Bank provided a young Lady with an overdraft of over £2 million pounds. It only picked up the error, when she made 14 transactions on Paypal on one day. I suspect that if convicted in a court, she will end up in Prison, but this Bank will struggle to recover much of the loss. Nb. Sorry to those people who clicked on this thread thinking that a free £2 million overdraft was available:madgrin:
  21. Banks should cap unarranged overdraft fees and warn customers before they go overdrawn, the competition watchdog has said. The Competition and Markets Authority says this and other measures could save bank customers £1bn over five years. The provisional conclusions of the 18-month study into personal and business banking suggest competition is weak in the industry. http://www.bbc.co.uk/news/business-36309396
  22. Name of the Claimant ? Lowells Date of issue – . 06.05.16 Date to submit defence = 4pm Tuesday 7th june What is the claim for – 1) The Defendant entered into a consumer credit Act 1974 regulated agreement with Lloyds under account reference XXXXXXXXXXXXXX ('the Agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to the Claimant on 26/08/2014 and notice given to the Defendant. Despite repeated requests for payment, the sum of £1,600.00 remains du
  23. Not to be confused with another case I have ongoing at the moment. Been trawling my Credit Reports regularly for some time now (only because they are 'free') and the only outstanding issue showing on them is an older Natwest account that Defaulted in late 2010. The default came about as I bailed out of the account with an O/D of about £2200 and the monthly charges were something like £28 + Interest. This was taking a significant chunk of my monthly earnings at the time and the Unfair Charges thing was ongoing. Now, the account is still shown as being with Natwest and I was expecting
  24. Hello All Firstly thank for help in my other posts. Just to make things worst came back home and found claim form from bryan carter regarding lowell related to Lloyds. quick info: name of the claimant: lowell portfolio i ltd date of issue: 9th october 2015 particulars of claim: "the claimants claim is for the sum of xxx, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Lloyds under account reference xxxxxxxxxxxxxx and assigned to the claimant on xxxxxxxxxxx notice of which has be
  25. In 2008, I stopped using Barclays as my current account provider and it turns out I was overdrawn by £18. I stopped checking online backing, etc as I didn't realise that I still owed them money (my fault, I know). Long story short, I now overdrawn by £1063, made up almost entirely of overdraft charges. Where do I stand in getting these charges negated? I would be grateful for any advice. Thanks
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