Help Needed Please, Me V Multiple DCAs!!

[PriorityOne]

I'm not a fan of going down the bankruptcy route... but if you have no assets, it may be something to consider. If you do have assets however, then don't even go there.

 

You should send a S.A.R - (Subject Access Request) to HSBC in order to check for unlawful charges. Once these have been identified, the outstanding balance can then be reduced. I would also ask for a copy of the Default Notice that was issued, so that you can check the amount on it as well. If this account was sold with an incorrect balance on it, then the assignment itself may be unlawful due to it being sold with an incorrect balance (unlawful charges). Since you do not have this info. to hand right now though, you need to make token payments on the account in order to protect yourself. I can't remember your situation without trailing through the thread, but if you're on a low income, make the token payments low.... £1 to £5 a month is not unusual for someone on Benefits, for example.

 

The S.A.R - (Subject Access Request) costs £10 and should be sent by rec. delivery. Keep the receipt.

[A6er]

Thanks P1

 

Been away hence the late reply.

 

I will SAR HSBC and check if any charges have been applied,but am still not sure if I can delay the CRAs untill i get answers from HSBC.

Any thoughts on how i can delay them?

 

Thanks