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  1. I am looking for advice on gaining the removal of a default notice recently applied by HSBC. I'm new to this site and therefore have not previously followed any advice provided by this site. I'm requesting the default be removed from my credit reports as I believe I have been unfairly treated and this default has not been applied correctly. I believe HSBC has treated me unfairly as they refused to offer and agree a payment plan that their Final Demand letter offered, their communications, and application of process have contained many inaccuracies that have meant resolving
  2. my friend cancelled his JSA claim today and has appointment booked with his ingeus advisor tomorrow, he has asked me if he can still get sanctioned for not attending as he is switching from JSA to ESA? sorry to keep going on but he keeps asking me.
  3. Hello everyone I’m looking to get some help if possible please my partner recently applied to open a new HSBC bank account for the cash incentive via the online system. The account she applied for some reason was declined but then instantly offered a standard basic account instead which she accepted and the card and pin arrived a few days later. The following week another letter arrived in a large envelope again from hsbc this time stating they had now closed the account without warning or notice due to not meeting the banks criteria. Strange but ok fair enough she’s not wanted as a custo
  4. Hello I am just about to commence a PPI re-claim on an old Alliance & Leicester personal loan. There appears to be a number of addresses to where the SAR letter should be sent. Can anyone please confirm which is the best (correct) one to use. The options I have are:- Customer Services, Santander Consumer, Santander House, 86 Station Road, Redhill RH1 1SR. Alliance & Leicester Personal Finance Limited Building 3 Floor 2 Carlton Park Narborough Leicester LE19 0AL Santander (Abbey, Alliance & Leicester) Abbey National House 2 Triton
  5. Hi When I was at university as a single mum, I claimed income support, which you're entitled to do. This was back in 2001-2004! The DWP have contacted me a couple of times over the years saying I fraudulently claimed and didn't declare I was a student. I absolutely did and in any case I would've still been allowed to get income support. They have now written to me to say they have asked my employer to commence deductions from my earnings. The debt is over £11,000! My understanding is that a debt becomes statute barred after 6 years so are they allowed to take this form of
  6. Hi, I applied for a provisional driving license in October 2016. To this day (Aug 2017) I am still waiting for it. Today DVLA told me it's still in a queue for a doctor to review but would not tell me how many months or years it would take for that review to happen. DVLA refused to tell me the average or approximate time it takes for a medical review to happen. No info whatsoever...just keep waiting... Is this normal? How long does this normally take? Is there a way I could get a provisional license and my lessons as well as the actual driving license abroad and then use that h
  7. I have been rather stupid and rather than dealing with my CCJ, I ignored it. I received a letter from the Bailiffs office, was dated 26th July, but didn't actually open it until Thursday 29th. I tried to call the bailiffs number with out any success. After looking for some advice on line, I made an application using N245 on Friday 30th June and was advised at the Country Court that the bailiff would see the application on Monday morning, which is the 3rd Of July - date they said they would be visiting. I was told that this application should s
  8. Dear all I would be very grateful for any help with my situation. I had a SPO following mortgage arrears (£3600) in 2008. Since then I have been making my contractual payments but had missed payments on three occasions from unexpected expenses resulting from direct debits being returned unpaid. I was in a particularly bad financial condition in the last 6 months following an elderly family member falling unwell while abroad. The mortgage arrears accrued to £3400 again and the mortgage company ( a subprime lender) has now applied to the court for a warrant for possession.
  9. Hi Everyone Just like to say that this is a great forum. I have been following posts on here specifically for advice to VT my agreement with Advantage finance. I have used one of the templates and sent off the VT this evening. Fingers crossed that it goes well. Many Thanks
  10. I qualified to become a driving intructor in 2012 and in Oct 2015 I gave my ADI badge back to the Driving Standards Agency (DSA) as I was no longer teaching due to being in a full time job. The DSA sent me a letter to confirm they received my ADI badge in Oct 2015 also confirmed they removed my name off the Driving Instructors Register. The DSA said in a letter I had ..."12 months from the date your name was removed from the ADI register on 30th Oct2015 to re-register without taking the driving instructor qualifying exams..." So in late Oct 2016 a few days before the 12 months was co
  11. Hi, My husband suffered a serious brain injury some years back and after a few years it became clear that he was no longer able to manage any kind of finances. His solicitors suggested the Court of Protection which they set up and managed on his behalf, but it was very, very expensive and once all his savings where gone and they where only managing his benefits the cost was almost as much as they where. We recently switched to myself managing the CoP which means that I have a special bank account and his benefits go into that, his bills are paid and then an allowance is transfer
  12. Hi I have just received a letter with cheque attached from Santander stating that 'while reviewing my closed business account they have noticed they applied the wrong interest to the unauthorised overdraft on a business account between 2009 to 2014.' Now this account was closed after being paid in full in 2014, but what they have refunded is the difference between the wrong interest and the correct interest and then have applied interest to that as accrued to current date. While this is OK, my question is would I be entitled to compensation on this error as well as any charges
  13. Hi, I am not sure which section to ask this but here goes. I applied to Part ex my caravan . I needed to borrow £34120. I hadn't heard if it had gone through I had received a letter from my existing finance company thanking me for request of settlement figure. So far so good however I called the Finance company and they put me through to the new business team, They informed me I had been accepted for the loan and the amount that had been requested was £56720 and they needed a bigger deposit. I informed them I did not need that much and that I only needed £34
  14. Hello All, some advice requested - please and thank you. long story short - Following SAR, I discovered that the bank had applied an incorrect rate of interest to a loan i took out way back in 2002 (i had thought the "extra" was due to PPI). After an amount of to-ing and fro-ing bank rejected PPI had been included. Bank argued re the "extra" monthly repayment amounts but paid £100 for distress and inconvenience directly into my account and advised me to contact FOS if not happy. Matter therefore promptly referred to FOS. The bank now agrees that the 16 monthly repayment amounts were inco
  15. I have applied to several UK banks for current accounts over a period of approximately two months and, for various reasons (such as mistakenly being classified as not being on the electoral roll), been rejected by all of them. The application searches are on my Experian credit file. I appreciate that having too many applications in a short period of time is not something the banks take too kindly to. Should I wait a period of time before applying to further banks? I appreciate it's a question one can generally only guestimate, but how many banks would be "too many" to a
  16. How long after non payment on a credit card can a default be applied on credit files?
  17. Garage has sent a letter to register my vehicle for unpaid bill. This company agreed to do work for cash in hand, some monies paid have not been credited and he has now upped the bill and now included VAT. As far as I am concerned they are in breach of contract. Are they able to take over my vehicle? It is parked in a private yard, not on their premises. They stated at the beginning that if I let them do work when needed in between jobs then they would do it cheaper. This has NOT been the case and now expecting me to pay an inflated bill. I have receipts for one large payment but nothi
  18. Hi everyone. I have received a letter today to say that someone has applied for a V5 for my car, the letter asks me to confirm if I have in fact sold the car or if it is still in my possession (which it is). I called their main customer service number as the number given on the letter is not open on Saturdays and they told me that it could just be someone has applied for a V5 for a similar registration plate and its been mistaken for mine or it could be that someone has cloned my car and sold on the clone. I did buy my car without a V5 as it had just been sold to the place I bought it
  19. I lost an appeal in November last year and costs were applied £750 - I appealed and this hearing was heard within another hearing Civil Case on Jan 4th 2014 - The Judge awarded the claimant £7,123 - off which £5,000 of this was costs. He mentioned something about only allowing certain sum of costs. I could not pay - single parent on benefits and offered £5 a month - this was refused so I applied for a redetermination hearing which was heard in March 2014. I informed Judge I had a caravan old tower 1997 that I could sell worth about 2k. Advertised on 8 sit
  20. Hi CAG I took out a cashplus card last year and applied the creditbuilder option to my account with them. However over the past few months as it is not a card I ever really use I didn't have the 4.95 they request each month as part of the credit builder. Which left my account in arrears of a mere £39.00 I topped up my account on Sept 30th with £39 to cover the arrears and then sent them an email confirming that I had done so following the directions they had given me when chasing the £39. On oct 7th I checked my credit file and noticed that they had put a default o
  21. I am dealing with 3 PPI claims, Egg, Barclaycard and Capital One. The whole process is totally draining for me and involves months and years of phone calls, lies and misdirection. Whilst Barclaycard and Capital One are still ongoing it is the Egg that I want to talk about now. This was my first PPI claim and I just wanted to get a positive response. I did get this and banked the cheque. This is coming back to haunt me and I will tell you why. The SAR response listed all of the phone conversations that I had with Egg representatives. When they claimed I had accepted PPI there wa
  22. I have just signed into Equifax having decided to apply for a mortgage having last been a member a year ago. I have found that a default has been added to my account January 1st 2012, Mail Order from MacKenzie Hall. I'm not sure who they are but guessing that they are debt collectors but have no idea why this has been added now. When I was out of work, I did have a number of accounts that defaulted but I have had no failed payments since returning to work 7 years ago. I have an idea that it may be Studio Catalogue, however, I know that this was also more than six years
  23. I have a Santander Bank account 123. I have no overdraft on this account (they refused me) but that's ok as its a little account I have and not my main one. I have text alerts to say my statement is ready however I went into m account tonight on line (paperless statements) to find that I had a charge of £45 taken out. I called them to be told that in Jan 2014 I spent £26 in a shop on my debit card and that took me £22 over into an unauthorised overdraft. They took the charge today and this has caused me to go overdrawn again (I wouldn't have been if they ha
  24. Last year I rented out a room to make some extra cash to a student. Long story short he did a runner owning rent and left the room in a tip. Wrote to him at his parents address asking for outstanding amount to be paid or I would go to small claims court to pursue had no response. He failed to turn up at court in Nov&Feb court found in my favour. I tracked him down via his new employer a few weeks ago and engaged the sheriff officers to deliver the decree to his address which gives him 14 days to respond which he didn't. So last week I applied via the sheriff officers an arrestment o
  25. I have a Nationwide Flex account which I hardly use but it is set up to pay my PayPal payments. Last week I bought 4 items off ebay totalling £2.97 but didn't realise I had a 0 balance at Nationwide. The payments bounced and the wonderful people at Nationwide have informed me I will be charged £60. I've printed form off to close account but I am wondering what will happen about the £60 charges? Been into my local branch and they were has much use has a chocolate teapot. Any advice please ? Thanks in advance.
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