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Remus & HFC default notice


remus
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I have received a default notice with nature of breach: you have failed to pay the minimum monthly repayments totalling £200+. The amount is what I owe in total.

 

This has come out of the blue, it is a credit card, and along with other debts I have been paying a token amount and no interest has been applied, helped by CAB.

 

Any advice on how I should respond to this?:confused:

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Unfortunately, if you are not paying the minimum payment they ahve set, whether you are making token payments or not, then they can default you.

 

Have you considered:

 

A) Sending a SAR to see if the debt consists of any unlawful charges or mis-sold PPI applied?

 

B) A CCA request to see whether they have a legal right to collect the debt?

 

If they started playing silly buggers with me, that is what I would do.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks for responding to my post tiglet.

 

I had thought as they agreed to the repayments they wouldn'd default me.

 

Feels like they are all getting default happy:eek:

 

Will be sorting out the sar and cca;)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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  • 2 months later...

Interesting move by HFC, I cca'd them, and they have sent me a copy of an application form (it says so at the top;)).

Now my credit history has been updated to an 8, credit agreement ended.

Dealing with other HSBC matters at the moment, but will be looking into this one:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Share on other sites

Yep, they obviously didn't like it when I cca'd them;)

They have agreed to my payments staying the same, even though they only have an application form.

Once things quiet down I will be sending and sar:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Share on other sites

Actually, once the 12+ days have passed and they haven't supplied an enforceable CCA, you can legally with-hold payment.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I have received a default notice with nature of breach: you have failed to pay the minimum monthly repayments totalling £200+. The amount is what I owe in total.

 

This has come out of the blue, it is a credit card, and along with other debts I have been paying a token amount and no interest has been applied, helped by CAB.

 

Any advice on how I should respond to this?:confused:

 

Hi remus

 

It may be worth scanning and posting the default notice here (after concealing your personal details, but leave the dates intact) as there have been several cases of HFC default notices served on CAG members (myself included) being non-compliant due to incorrect dates etc.

 

Rob

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